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Commercial Endorsements & Floaters
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Commercial Endorsements & Floaters

While commercial policies vary greatly, endorsements and floaters really customize the policy for the client’s particular commercial purposes. Learn the types of coverage most commonly needed and how to apply them. Members $95 / Non-Members $145

When: Thursday, December 7th, 2017
9:30 - 11:45 AM
Where: Canada
Presenter: Melanie Needham
Contact: Tara Keohan

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Examine the most commonly used commercial endorsements and floaters, including but not limited to Building Bylaws, Stock Spoilage, the Exhibition Floater, and the Installation Floater. Discussion of related claims examples will also help you gain an excellent understanding of how the various type of coverage can and should be applied.


2.0 CE credits for General and Adjuster licences


  • Overview of the common commercial endorsements and floaters
    • Buildling bylaws
    • Stock spoilage
    • Peak-season endorsement
    • Automatic fire-suppression recharge expense
    • Off-premises service interruption
    • Mortgage rate guarantee
    • Catch-all endorsement
    • Exhibition floater
    • Unscheduled property floater
    • Various contractor floaters
  • Unique underwriting exposures to each endorsement
  • Understanding and improving verbal and non-verbal communication between cultures
  • Conditions requiring such coverage
  • Possible claims with the coverage


Who should attend

All commercial brokers, agents, and adjusters



Member $95
Non-Member $145


Melanie Needham, FCIP, CRM (facilitator)

With over 20 years’ experience in the insurance industry, Melanie has held various positions including management, underwriting, risk management, and business analyst. As a facilitator (licensing courses in Ontario, as well as CIP and CRM courses across Canada), Melanie was awarded the Insurance Institute’s Instructor of the Year award numerous times and the national Emerging Leader award (2011). She is the president of MRD Training and Consulting Inc. and is highly respected in the industry.

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