About the course

The way people use their homes and personal vehicles has changed dramatically, creating insurance exposures that often fall outside the protection of a standard personal policy. This course examines Ride Share Insurance, Home-Based Business Insurance, and Short-Term Rental Insurance to help brokers identify when a client's changing lifestyle creates a material change in risk. You'll learn how rideshare coverage changes during each phase of a trip, when platform insurance applies, and why endorsements or commercial auto coverage may be required. The course also explores the property, liability, business interruption, cyber, and commercial auto exposures created by operating a business from home, along with the importance of proper disclosure and specialized coverage. Finally, you'll examine the insurance challenges associated with short-term rental properties, including guest liability, business activity exclusions, platform protection limitations, rental income exposures, and risk management practices that reduce the likelihood of loss. By the end of this course, you'll be better equipped to recognize evolving personal insurance exposures, identify gaps in standard homeowners and automobile policies, and recommend tailored insurance solutions that reflect how clients actually live, work, and earn income.