Commercial Lines Basics Part Three
In this course we will discuss the Named Perils property wording and the gross earnings form. We will conclude this session with a review of the major steps when developing a risk management plan.
One Hour CE Approved
British Columbia Saskatchewan Manitoba
Fire and EC Form
Learn the Fire and Extended Coverage Form as a named perils policy, including the F SWILLER perils, client burden of proof, key limits, and coverage gaps brokers must explain.
Gross Earnings Form
Learn how the Gross Earnings Business Interruption form works, including its rigid earnings definition, coinsurance requirement, forward-looking limit analysis, restoration period, resumption duties, and ordinary payroll issues.
Risk Management Steps
Review the five steps of a risk management program: identification, analysis, control, financing, and administration, with practical broker examples and client advisory focus.
About the course
This course provides brokers with a practical review of commercial property, business interruption, and risk management. Participants examine Fire and Extended Coverage named perils, including F SWILLER, burden of proof, and key exclusions. The course reviews the Gross Earnings Form, including earnings calculations, projected coinsurance, restoration periods, and ordinary payroll considerations. The course concludes with the five-step risk management process: identifying and analyzing exposures, selecting loss controls, financing residual risk, and maintaining an effective risk management program.
Your Name
For more than four decades, Todd Hochban has worked with Canadian insurance brokers, helping them better understand property and casualty insurance through practical, real-world education. As a seasoned educator, industry speaker, and course developer, he has trained thousands of brokers across Canada, translating complex insurance concepts into clear, actionable learning. Every BrokerBytes course is designed with one goal in mind: to provide practical knowledge that brokers can immediately apply in conversations with clients, underwriting submissions, and claims situations. Rather than focusing on theory alone, these lessons emphasize the issues brokers encounter every day. Whether you're new to the industry or building on years of experience, BrokerBytes delivers concise, focused learning designed for today's busy insurance professional.