PAAS Web Seminars

WC Policy Review (WC-1) – one-hour session

A review of:

• Parts of the workers' compensation policy
• Workers' compensation laws
• Types of workers' compensation laws
• Insurance requirements

WC Classification Terminology (WC-2) – two-hour session

A review of the definitions and proper application of:

• Basic classifications
• Standard exception classifications
• General inclusion operations
• General exclusion operations
• Governing classification
• Principal business rule
• Classification wording and applications

WC Classification Assignments (WC-3) – two-hour session

The basic concepts required to classify a risk, including:

• Object of the classification system
• Classifying separate legal entities
• Business not described by a manual classification
• Classes limited to separate businesses
• Business described by a standard exception classification
• Construction or erection risks
• Subcontractors
• Farm operations
• Repair operations
• Recycling operations
• Miscellaneous employees rule
• Interchange of labor rules
• Changes or corrections in classifications rule

WC Basis of Premium (WC-4) – two-hour session

An in-depth analysis of:

• Payroll inclusions and exclusions
• Bonuses
• Commissions
• Substitutions for money
• Housing
• Rental value of housing or apartment
• Payroll limitation – officers, sole proprietors, and others
• Overtime wages

WC Executive Officers (WC-5) – one-hour session

An examination of the manual rules to determine:

• Who qualifies as an executive officer
• Officers’ remuneration determination for premium calculation
• Proper classification of each officer
• Executive officers of multiple entities

WC Sole Proprietors, Partners, and Others (WC-6) – one-hour session

Issues concerning sole proprietors, partners, and others, including:

• Coverage status
• Payroll determination
• Classification procedures
• Treatment of nonsalaried employees and domestic workers

WC Subcontractors (WC-7) – one-hour session

Issues surrounding the use of subcontractors, including a review of:

• Certificates of insurance
• Basis of premium
• Exposure determination
• Classification procedures for insured and uninsured subcontractors

WC Maritime (WC-8) – one-hour session

Issues surrounding maritime and the effect on business operations performed on or near navigable waterways of the United States, with explanations of:

• Jones Act (Admiralty)
• USL&HW Act
• FELA (Federal Employers Liability Act – Interstate Railroads)

WC Rating Factors (WC-9) – one-hour session

Guidance on application of:

• Loss constants
• Expense constants
• Anniversary rating date calculations
• Extraterritorial operations

GL Policy Review (GL-1) – one-hour session

An overview of:

• The types of liability insurance
• Standard and nonstandard forms
• Contents of the Commercial Package Policy
• Coverages and endorsements in the Commercial General Liability Policy
• The ISO Commercial Lines Manual

GL Basis of Premium (GL-2) – one-hour session

An analysis of the various types of rating bases:

• Admissions
• Area
• Each
• Gross sales
• Payroll
• Total cost
• Units

with information on inclusions and exclusions

GL Classification Procedures (GL-3) – one-hour session

The general concepts of ISO’s CLM Rules 25 and 26:

• Classification assignment
• General inclusions and exclusions

GL Manufacturing/Processing and Mercantile Risks (GL-4) – two-hour session

An examination of the procedures for classifying risks under ISO’s CLM Rules 27 (manufacturing/processing) and 29 (mercantile):

• Definition of named insureds
• Classifying by final product
• Multiple operations
• Special inclusions and exclusions
• Basis of premium
• Wholesale value
• Classification assignment procedures
• Definition of dealer/distributor and rating territory

GL Contracting and Servicing Risks (GL-5) – two-hour session

An analysis of ISO’s CLM Rule 28 (contracting and servicing risks):

• Classification assignment
• Special classification exclusions
• Basis of premium
• Rating territory
• Contractor – subcontracted operation classifications
• Assignment procedures for adequately and inadequately insured subcontractors

GL Building/Premises and Miscellaneous Risks (GL-6) – one-hour session

The rating components outlined in ISO’s CLM Rules 31 (buildings/premises) and 32 (miscellaneous) used to classify a risk rated on a unit or area basis:

• Rules
• Classification procedures
• Basis of premium

Automobile Dealerships/Garage Liability (CA-1) – one-hour session

Guidance with the classifications and rating basis for risks involved in the operation of automobile dealerships and garage liability, including a review of:

• Classifications
• Audit procedures and verification
• Premium development
• Miscellaneous rating issues

Writing the Description of Operations – one-hour session

A review of the essential elements necessary to write a thorough description of operations:

• Techniques for before and after the interview
• Compiling the data
• Observing the obvious
• Policy guidelines by line of business
• What and how much to write
• Audit documentation

Understanding Legal Entities – one-hour session

An analysis of the various kinds of legal entities and their effect on policy premium:

• Sole proprietorships
• Partnerships
• Corporations
• Limited liability companies
• Unincorporated associations

Pitfalls of Cross-Referencing Workers' Compensation to General Liability – one-hour session

An examination of the pitfalls of automatically cross-referencing various types of risks from workers' compensation to general liability classification assignment.

Contractor Executive Supervisor – one-hour session

A discussion of the proper use of code 5606, “Contractor – Project Manager, Construction Executive, Construction Manager, or Superintendent,” and related issues for workers' compensation and general liability

Companion Classifications – one-hour session

A discussion of the companion classifications required in auditing certain workers' compensation risks.

Includes:

• Reasons for companion classifications
• Which risks require companion classifications
• What distinguishes professional and nonprofessional employees

Building the Intelligent House – one-hour session

An examination of the workers' compensation and general liability classifications for manufacturers and installers of devices such as:

• Climate control systems
• Home entertainment systems that control stereos, televisions, computers, telephones, intercom systems, nanny cams, and lights
• Windows that change at night to prevent others from looking in
• Natural and mechanical ventilation — new on the market for green buildings
• Solar panels