EXTENT OF COVERAGE

Chapter 3 Scope of Coverage [A] Pertinent Policy Language [B] Different Scope Approaches [1] Joint and Several [a] Keene and its Progeny [b] Insurer Arguments Against Keene         [2] Pro Rata [a] Pro Rata by Years on the risk [b]Owens Illinois Method [c] Divisible Injury Method [C] Self Insured Periods Other Insurance [A]" pro Rata " Clause [B] Excess Clauses [C] Escape Clause [D] Application of other Insurance Clauses [1] Pro Rata v. Pro Rata [2] Excess v. Excess [3] Escape v. Escape [4] Pro Rata v. Excess [5] Pro Rata v. Escape [6] Excess v. Escape LIMITS OF LIABILITY (INCLUDING NUMBER OF OCCURRENCES [A] Liability Limits [1] Per Occurrence /Per Claim Limits [2] Definition of Occurrence [3] Aggregate limits [4] deductibles [B] Number of Occurrence [1] The Cause Test [a] Proximate Causation Test [b] Unfortunate Events Test [c] The functional Event or Continuous Process Test [d] Application of the cause Test in Specific Context [ i ] Products liability [ii ] Asbestos [iii] Construction [2] The Effects Test [3] Conclusion [C] Stacking Limits and deductibles From Multiple policies [1] Stacking Limits [a] Generally [b] Non -Cumulation Clause [2] Stacking Deductibles Exhaustion     *****Lecture seminar this course is 1.5 hours for Continuing Education (CE) This course includes current cases and the change of how the court view  the duty to pay claims . Course study for Professional Designation student is  require 4 hours study time.     This course is to give the student  a broad  understanding  of scopes of Coverages  and how it applies to  Business liability policies This is a  great course of  proper understanding  of stacking limits  and pro- rata vs. escape concepts and theories .

  

*****Lecture seminar this course is 1 hours for Continuing Education (CE) . Course study for Professional Designation student require 3 hours study time