This textbook is designed for use in training programs for insurance industry personnel throughout the United States and not intended to be used as a complete reference resource on the programs and coverages outlined.The “standard” policies and programs available to treat these exposures may or may not provide the flexibility or optional coverage all insured’s require. Our goal is to discuss the exposures to loss that may exist, some of the coverage options available to treat them, and to provide a framework for discussion with the carriers you represent concerning the programs they have available.Coverages and rules presented in this textbook or in this material may be different from those used by individual insurance companies writing these programs. Contact individual companies for details about interpretations of their eligibility requirements, particular insurance contracts and rules.Review each individual insurer’s coverage forms and endorsements to determine if they are broader, more restrictive, or the same as the forms and endorsements discussed in this textbook.