Thoroughly protecting the lifestyle of the affluent and high net worth client by insurance and risk management is the focus of this course. Learn to evaluate the often specialized coverage needs and gather the necessary information used by insurance companies to insure and risk manage these lifestyle exposures.

Topics Included:

• Marine: Yachts, Seaworthiness, Captain and Crew, and more
• Aviation: Ownership and Usage Arrangements, Policy Warranties, Coverage Enhancements, Drones, and more
• Kidnap & Ransom/Travel: Exposures and Control Methods Specific to Kidnap and Ransom, Kidnap Expense Coverage Provided by a High Net Worth Homeowners Policy, Expenses Covered and Services Provided by a Stand-Alone Kidnap and Ransom Policy, Risk Control Methods Specific to Travel, Coverage and Services Provided by Travel Insurance, and more
• Employment of Domestic Employees: Employment Practices Exposures, Pre-Employment, Employment, and Post-Employment Risk Control Methods, Comparison of High Net Worth Umbrella/Excess Policy EPL Endorsement to a Stand-Alone EPL Policy, EPL Reporting Requirements, Workers Compensation Coverage Provided by a Homeowners Policy, Understand 3.A.and 3.C. in a Workers Compensation Policy, and more
• Farm, Ranch and Equine: Determine when an Activity is Incidental or a Business, Identify and Analyze Farm and Ranch Exposures, Equine Activities Including Riding/Training/Boarding/Breeding, Farm Property Covered Under Farm Personal Property or Additional Farm Structures, Animal Mortality, Risk Control Methods, and more
• Business Exposures: Determine when a Business Exposure Should Insured on a Commercial Policy, Identify and Analyze Uses of Homes and Premises By High Net Worth Clients That Create a Business Exposure, Limitations in the Homeowners Policy for Business Property and Liability Exposure, Coverage Provided by Endorsements to a High Net Worth Homeowners Policy, Risk Control for the Business Exposure, and more