Commercial Liability, Professional Liability, and Coverage Gaps

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About Course

Strengthen the review of commercial general liability, professional liability, and the gaps that can appear between policy forms. Connect allegations and claim facts with coverage triggers, insured status, contractual risk transfer, defense provisions, limits, and reporting requirements.

Apply occurrence and claims-made concepts to professional, management, employment practices, cyber, media, liquor, umbrella, and excess coverage. Work through retention and attachment calculations and document a supported renewal or endorsement action plan.

The self-paced course combines twelve lessons with required matching, ordering, calculation, and coverage-decision activities. Each activity must be completed correctly before progressing. A 35-question final examination brings the coverage concepts together.

Continuing education credit is available only where this course holds an active approval. Check the applicable approval and credit category before enrolling for license-renewal credit.

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What Will You Learn?

  • Classify liability exposures and distinguish legal responsibility from insurance coverage.
  • Apply occurrence and claims-made triggers, retroactive dates, notice provisions, and extended reporting periods.
  • Analyze Coverage A, personal and advertising injury, medical payments, and specialized exclusions.
  • Evaluate insured status, contractual risk transfer, limits, defense obligations, and policy coordination.
  • Distinguish professional, management, employment practices, cyber, media, and liquor liability coverage.
  • Calculate stated retention and excess-layer examples and identify attachment or exhaustion gaps.
  • Document a coverage-gap analysis and a supported renewal or endorsement recommendation.

Course Content

Liability Foundations and Coverage A

  • Liability exposures and coverage triggers
  • Map the Liability Exposures
  • Coverage A and specialized liability exclusions
  • Separate the Damage Components

Coverage B, Medical Payments, and Insured Status

Claims Handling and Professional Liability

Management Liability and Cyber Gaps

Liquor Liability and Excess Coverage

Coverage-Gap Controls and Integrated Review

Final Examination

Georgia Completion Reporting Information
Required administrative reporting step. This is not a scored examination.

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