Anyone pursuing the AILP or AILP/PL designation must complete these courses (unless exempt). Each course has a multiple-choice exam at the end of the day, centered on the material presented that day.

COVERAGE COURSES: PL

AILP Coverage: Homeowners
A full day on the mechanics of the homeowners' product:

• Important definitions, review of Section I coverages, additional coverages, and perils
• Certain Section I conditions, such as insurable interest and loss settlement.
• Section II coverages and exclusions.

AILP Coverage: Personal Auto
A full day on the mechanics of the personal auto policy

• Eligibility for personal lines vs. commercial lines
• Importance of personal injury protection, uninsured motorists, property damage liability, optional bodily injury, underinsured motorist, and physical damage coverages
• Important exclusions and problems for each of the coverages

ISSUES COURSES: PL

AILP Issues: Personal Residential Part 1

• Eligibility and business – Airbnb and other business issues, named insured, and occupancy issues
• Definitions creating problems, such as residence premises, insureds or not, and Insured location challenges
• Other Section I Conundrums: Excluded property, D issues, debris removal questions, loss assessment problems, and those pesky peril arguments of accidental discharge or sewer backup, earth movement, ice dam, and/or water seepage

AILP Issues: Personal Residential Issues Part 2

• Loss settlement problems, such as R/C vs. Ordinance or law; Effect of Specified A vs. Additional limits of liability endorsements; Special Loss settlement endorsement
• Waiver of Subrogation or not
• Section II Exposures: Personal injury and social media, Toys, recreational vehicles owned or rented, Host liquor problems and the personal party, Vacations, and watercraft, Aircraft issues – drones and traveling, How much loss assessment is enough

AILP Issues: Miscellaneous Personal

• Condo issues that cause problems: Bylaws and limits; Master policies and deductibles, Special Form and property, loss assessment, and loss of use of rented condos
• Dwelling policy: DP-1 vs. DP-3 – identifying the major differences; Dwelling liability and personal injury; Short-term rental law
• Miscellaneous issues such as cyber, identity theft, and mobile device control over the home

AILP Issues: Personal Auto

• General issues: Eligibility; Customary operator; Named insured or not; TNC and other social media use, like DoorDash, Turo, etc.
• Identification of important issues such as "failure to furnish information, driving non-owned auto, ailment, operator exclusion.
• Auto rental problems of Long-term rental, loss settlement, rental contract requirements, and vehicle types
• General auto issues such as Cancellation - After a total loss and reasons the carrier can cancel "reasonable repairs and expenses" in a loss, Fault or not, Business use, and problems, Trailer or not

AILP Issues: Personal Umbrella

• Overview and Key Features of Personal Umbrella Policies. A deep dive into the ISO Personal Umbrella Liability Policy (DL 98 01 02 15).  Available endorsements
• Things to consider when comparing Personal Umbrella Policies. Common Oversights in Personal Umbrella Policy Handling
• Case studies regarding important issues such as Business Use of a Non-owned Auto, Renting an Auto out of the country, and Personal Injury exposures

AILP Issues: Agent's E&O-Legal Duties, Data Risk & Operational Risk Mgmt

• Data privacy compliance and cyber exposures
• Binding authority and underwriting guidelines
• Certificates of Insurance and documentation standards
• ACT best practices for texting and e-delivery

Anyone pursuing the AILP or AILP/CL designation must complete these courses (unless exempt). Each course has a multiple-choice exam at the end of the day, centered on the material presented that day.

COVERAGE COURSES: CL

AILP Coverage: Commercial Auto

• Eligibility vs. personal lines for individually owned business vehicles
• Declaration Page importance of Item 2 covered the auto section
• Importance of symbols to create a covered auto definition
• Liability insuring agreement, insured definition, and exclusions
• Physical damage insuring agreement and exclusions
• Important BAP endorsements, such as Additional Insured and amendatory endorsements, etc.

AILP Coverage: Commercial General Liability

• Sources of liability
• Occurrence vs. claims made
• Who is the insured, or not?
• Mechanics of aggregate limits
• An insuring agreement, territory, and known occurrences
• Exclusions such as contractual, pollution, auto, property damage, your work, and product
• An insuring agreement, personal and advertising injury definition, and the need for separate cyber and discrimination
• C medical payments insuring agreement and restrictions

AILP Coverage: Workers' Compensation

• Independent contractor vs. employee
• 3A vs. 3C vs. Limited Other States Endorsements
• Part I Benefits and what it doesn't pay
• Part II EL and third-party action over dual capacity, consequential loss, and exclusions
• Important endorsements such as USLHW, Maritime, Voluntary Compensation, and waiver of our right to recover, and when we qualify for them
• Addressing the leasing situation

AILP Coverage: Commercial Property

• General issues of valuing property: ACV vs. R/C vs. Functional
• Coinsurance
• Methods of writing specific, blanket, and value reporting
• Addressing the Building and Contents Form CP 00 10 – What's building and BPP and what's not
• Additionals
• Extensions
• Property conditions of vacancy and loss valuation
• Cause of Loss Special Form CP 10 30
• General exclusions, additional exclusions, and limitations of

ISSUES COURSES: CL

AILP Issues: Commercial Liability Part 1

• "Who is an insured" issues, such as why the request for CG 20 11 Managers or Lessors of premises?
• Contractors, Owners, and Developers' issues, such as CG 20 33, CG 20 10, and CG 20 38, specified vs. automatic; what's the difference? Why the request for older editions vs. newer editions? What is "arising out of"?
• AI vs. NI: Is there a difference?
• Indemnitee vs. AI status
• Primary and non-contributory or not
• Limits – How much is enough? Amending the limits, designated project or premises, aggregate limit amendments, products, and completed operations redefined, and why
• Miscellaneous issues such as the statute of limitations vs. statutes of repose, waiver of subrogation provision vs. endorsement, wrap-ups and your client, certificate of insurance issues, and problems

AILP Issues: Commercial Liability Part 2

• Exclusions that cause problems, such as Damage to property – operations vs. completed operations exclusions; Renting property – real or personal and damage to it; improper use of damage to your work exclusion; Construction defect or not; Pollution, not exclusion; Liquor liability and BYOB; Auto in the GL; Drones and finding
• Exclusionary endorsements to beware of: Excluding specifics, Amendment, and limitation endorsements that are exclusions in disguise
• Exclusions remind us to buy other policies, such as EPLI and Cyber

AILP Issues: Commercial Property

• Knowing how to amend property when you need to – additional covered property endorsement for the excluded property; property not covered endorsement to avoid duplication; specific property endorsements for certain property types such as signs, antennas, and landscaping; New options for tenants and building items; drones
• Endorsements affecting loss settlement, such as manufacturers' selling price, margin clause, value reporting form, ordinance or law, and debris removal, vacancy change options
• Adding other interests – loss payable or adding building owner
• Business income issues – Coinsurance; described premises or not; BII period exclusion; ordinance or law consideration; BII form vs. BII in BOP; amending the period of restoration; dependent property consideration; BII and loss to vehicles; drones and BII

AILP Issues: Employment Practices Liability Insurance (Replaces MLIS EPL)

• The five employer moves that practically guarantee a lawsuit
• Which EPLI setups protect — and which leave clients hanging
• Sneaky coverage gaps hiding in “claims-made” policies
• Third-party claims that come out of nowhere
• Real-world scripts to explain EPLI without the legal jargon

AILP Issues: Cyber Coverage (Replaces MLIS Cyber & Privacy)

• Understanding the Exposure: Learn why cyber threats are constantly changing and why coverage forms are struggling to keep up.
• Real-World Risks: Explore how breaches occur, who causes them, and the financial and legal consequences that follow.
• Policy Comparison & Marketing: Identify what underwriters look for, from data types stored to breach history, and how to make your insureds more marketable.
• Coverage Breakdown: Dive into first-party and third-party cyber coverage components—from business interruption and data restoration to regulatory penalties and extortion demands.
• Key Definitions & Exclusions: Decode policy terms, common exclusions, and carve-backs critical to securing meaningful protection.
• Claims & Conditions: Understand claims-made triggers, hammer clauses, defense costs, application severability, and rescission.
• Emerging Issues & Trends: Review prominent players, carrier variations in coverage offerings, and valuable resources available to both agents and clients.

AILP Issues: Agent's E&O-Legal Duties, Data Risk & Operational Risk Mgmt

• Data privacy compliance and cyber exposures
• Binding authority and underwriting guidelines
• Certificates of Insurance and documentation standards
• ACT best practices for texting and e-delivery