In this course, we will go through all the different primary heat sources and secondary heat sources including oil tanks! We will also do deep dive into the CSIO Woodstove Questionnaire so you can comfortably work through that document with your insured!

Accreditation:  3 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

CCDC 2 – Stipulated Price Contract is the industry standard prime contract between the Owner and the prime Contractor.  The contract outlines the high-level administrative requirements and procedures needed for construction projects, including the role and authority of the consultant, procedures for changes in the work, work by other contractors, insurance requirements, prerequisites for Ready-for-Takeover, dispute resolution procedures, early occupancy by the Owner, and more. This contract can be super overwhelming to the new broker so join us for a deep dive into this contract!

Accreditation:  4 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than

In this session, Melanie will take you through a high-level overview of ALL of the CCDC forms. This session is meant to be an introduction to understanding the purpose of each form and where and when it is used. We recommend this program before any of our detailed CCDC programs.

Accreditation:  2 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

As farms become larger and more complex, they require a combination of personal, farm and commercial coverages. Protect yourself and your clients by understanding the unique products and specialized coverage required for these enterprises, and receive an overview of farm products, both personal and commercial, including many specialized products.
Accreditation:  3 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

What in the world is a subscription policy? In a nutshell, it is a policy where two or more insurance companies agree to rating and coverage, at a split percentage between the insurers, to total one hundred percent of the required limits. Sounds simple right? Well, it is a little more complicated than that! Join us we explain subscriptions in layman’s terms so the next time you are at an event you don’t feel like a fish out of water 😉

Accreditation:  1 Hour
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

Experts agree that the sharing economy is expected to grow, and as it does, it will continue to challenge industries, including the p&c insurance industry. Join us as we discuss the sharing economy with respect to automobile (ridesharing versus car sharing) and property exposures (AirBnB). We will cover the understanding of how the sharing economy works and do a deep dive into how each province is dealing with the auto exposures and the policies available for property exposures as well. You will feel like a pro on sharing economy policies once you are done this program!

Accreditation:  1 Hour
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

Understanding the types of claims and coverages included in EPLI insurance has now become essential in the operation of any size business. Join us as we learn about the exposures, coverage, claims scenarios and risk management tips as well as a deep dive in a sample policy wording!
Accreditation:  3 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

Pollution exclusions are challenging to even the seasoned insurance professional. It all starts with understanding the Pollution Exclusion under the CGL. The CGL policy provides very little pollution coverage, particularly in the area of cleanup or remediation, which is one of the most important aspects of pollution coverage to most clients. Join us while we review the CGL exclusion and learn about the different pollution endorsements and policies available in the marketplace today.

Accreditation:  2 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

Liquor consumption in social settings can increase the exposures for liability insurers, both in commercial settings and in homes.
Insurance professionals from brokers, to underwriters to adjusters, must balance between confirming coverage and exclusions. Investigating a loss under pressure from the Insured can result in allegations of bad faith. Learn how to avoid bad faith claims and how to deal with them when they arise in practice, including the common challenge of investigating a loss while the claimant has already commenced in bad faith claims.

Accreditation:  1 Hour
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

Join us for a high-level overview of unique coverages and considerations for High Net Worth Clients. We will discuss their unique exposures including Fine Arts, Watercraft, Wine Collections, Kidnap & Ransom Coverage, Identity Theft, and a few more important topics. We will even give you tips on how to prospect for these clients. It's a short course but a good one 🙂
Accreditation:  2 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

This entry-level course is for anyone who wants to learn more about the infamous Equipment Breakdown exposures Whether it be a mechanical breakdown, electrical damage, or certain types of explosions that are excluded from standard commercial property coverage forms. The Equipment Breakdown policy fills these gaps in coverage, but the form is oftentimes a confusing one. Join Melanie as we explore covered causes of loss, covered equipment, direct damage, and indirect coverage options.

Accreditation: 2 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

Did you know that approximately 1 in every 10 invoices goes unpaid? In this uncertain economy trade credit insurance is becoming a vital coverage option for many organizations both small and large. Join us for an engaging seminar to learn the basics of Trade Credit insurance and what the coverage entails. This is a short introduction course that packs a ton of information!
Accreditation: 1 Hour
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

Drones have been a hot topic for a long time in our industry but to many, it is still something foreign like Alf was in the '80s (you may have to google that one). But alas we have amazing products available in the marketplace and we have a handle on all the exposures these gadgets bring. So join Melanie as we discuss the different types of drones, the exposures they bring in both personal and commercial use as well as the coverages available in the industry. And we will have a few laughs along the way 😉

Accreditation:  2 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

Homes today run the gamut from 250 square foot Tiny Homes to 25,000 square foot Mansions. Somehow insurance professionals need to find the right way to insure them all. Partly due to skyrocketing real estate prices, but also due to concerns for the environment, and a yearning for a simpler life, the tiny homes movement has taken off, and with it, concerns about the proper way to insure tiny structures. While insurance products readily exist to cover heritage and high-value homes, concerns about underinsurance and replacement cost value are extremely common.
Accreditation: 2 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

In this interactive session we will cover the basics of Surety to understand how surety works, the parties to a bond, how indemnity applies. We will then dive further into the Surety world to cover Construction Bonds and Commercial Bonds. This is a robust session that will make you feel comfortable with surety on many levels!
Accreditation:  2 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB/MB: General and Adjusters

Among the various topics discussed, you’ll touch on property insurance, general liability insurance (including completed product and operations liability), inherent defect insurance and equipment breakdown insurance. You’ll also learn how to identify particularly complex risks and how to handle them.
Accreditation: 2 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

Did you know different heritage homes have different designations, with many of them only having regulations for the exterior, and others only required to maintain the aesthetic of the architectural style it was built in? That's one of the many things you will learn in this interesting webinar hosted by fan favourite Melanie Needham! Heritage Homes are sometimes a scary concept to new brokers, but they don't need to be! Join us so we can teach you what makes these homes so unique and what questions do we need to ask to ensure we are covering it properly. You will be an expert once you finish this session.
Accreditation:  2 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

This is one jam-packed session where you will learn EVERYTHING you need to know about Non-Profit D&O coverage. W e will break down the responsibilities of the board, and coverage requirements. We will then do a comprehensive review of the application process, by-laws and non-profit financials! Don't forget our in-depth policy wording review which is what we are known for!!
Accreditation:  3 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

When building construction occurs as either ground-up new or renovation of an existing structure, there are many complex exposures and coverage options the underwriter, broker and risk manager must consider. They must also ensure the project is in compliance with the contract of the risk presented. In the event of a claim that arises during or after completion of a project, the adjuster must also be aware of available protections and clauses that may play a role in the settlement of the claim.

RIBO Accreditation: 3 Hours Technical

In this quick 20-minute session, you will learn some tips to protect yourself and your organization as a remote worker. We will quickly review malware such as AZORult, Emotet, and others in this unprecedented time and how COVID-19 has shown an increase in cyber attacks. You only need 20 minutes to possibly make a difference in your security.
Free with membership.

This webinar is for anyone who wants a better understanding of the auto industry as a whole. We cover the basics of the industry from how premiums are derived issues in the auto industry, trends like ride-sharing and automated vehicles and an in-depth review of every province and their auto coverage.
Accreditation:  2 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

This in-depth course gives you all the knowledge you need to understand Cannabis and how the insurance industry is responding to. Broken into four modules, we discuss what Cannabis is from the stages of growth to the cultivation. Then a detailed session on the legislation and how it affects all lines of business. Followed by modules on the hazards and exposures of cannabis as well as the coverages available in the marketplace. Join us for this important webinar today!
RIBO Accreditation: 3 Technical Hours

As a broker, underwriter, or adjuster are you involved in Oilfield Risks?  Do you ever wonder exactly what processes are involved in the oil industry?  Have you ever been confused by oilfield terminology?  Are you confused about figuring out the insurance coverages?  If so, join us for an entry-level exploration of the unique exposure and coverage required by the Oil and Gas Industry including industry trends and challenges, unique insurance coverages, and claims examples. RIBO Accreditation:  2 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

Fundamentals of Financials for the professional is addressed to all positions in the insurance industry. We will cover the basics of reading and understanding financial statements, including, but not limited to, the main four financials - Income Statement, Balance Sheet, Cash Flow Statement, and Statement of Changes in Shareholder Equity – and how they’re used in underwriting the risk.
Accreditation:  2 Hours
ON/BC/MB Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

Do you ask yourself what makes up the CVOR? What is the 'Overall Violation Rate' and how do collisions affect it? If you answered yes to any of these questions, this seminar is for you. The CVOR is one of the most important documents in underwriting a commercial auto risk and can be a bit overwhelming to understand. Join us at this session as we navigate our way through reading and understanding the CVOR, using it as an underwriting tool as well as a sales tool. RIBO Accreditation - 3 Hours Technical

Do you need an overview of the principles and concepts, as well as the technical side of commercial auto? Commercial lines auto insurance can seem complex at first, but it doesn’t have to be. Join us for this jam-packed program covering everything you’ll need to know as a new industry employee, or as someone moving from personal lines to commercial lines. You will walk away from this course being able to Identify the steps in the underwriting process for individually rated commercial auto, garage and fleet as well as understanding the rating process, describe the coverage and risk exposures and provide risk management for your clients.
Accreditation:  3 Hours
ON/BC Accreditation: Technical Hours
SK: All classes other than Life / General
AB/MB: General and Adjusters

Product Liability is a hot topic and continues to intrigue many. We will discuss the challenges of product liability and the coverage that meet those challenges, as well as a, discuss claims, current trends, and jurisdictional issues.

Accreditation:  3 Hours
ON/BC Accreditation: Technical Hours
SK: All classes other than Life / General
AB: General and Adjusters

This is an amazing interactive program to kick start your career into the world of commercial insurance. This robust and useful program explores the most commonly requested coverage in the marketplace by taking a deep dive into each product. You will not only understand the coverage but you will understand how the policies respond and connect together to protect the client.
Accreditation: 15 RIBO Hours - Technical