Personal Lines Basics Part Four
In this course the growing Ride Share "side hustle" is reviewed. Also included is specialty coverage for high valued home contents and insuring the family pet.
One Hour CE Approved
British Columbia Saskatchewan Manitoba
Ride Share Risks
Review rideshare auto coverage for Uber and Lyft drivers, including app phases, passenger-for-pay exclusions, platform coverage gaps, endorsements, commercial auto options, and key broker questions.
Jewels, Coins and Stamps
Learn how standard home policies limit jewellery, coin, and stamp coverage, and how appraisals, scheduled floaters, blanket limits, and all-risk wording protect valuable property.
Pet Insurance
Learn how pet insurance policies work, including accident and illness coverage, pre-existing conditions, waiting periods, limits, deductibles, co-insurance, reimbursement, and claim filing rules.
About the course
Personal insurance continues to evolve as clients acquire unique assets, adopt new transportation options, and seek protection for every member of the family—including their pets. This course examines Ride Share Insurance, Valuables Insurance, and Pet Insurance to help brokers address specialized personal lines exposures that often fall outside standard policy assumptions. You'll learn how rideshare coverage changes during each phase of a trip, how passenger-for-compensation exclusions and platform insurance can create unexpected coverage gaps, and when endorsements or commercial auto coverage may be required. The course also explores the protection of jewellery, coins, stamps, and other valuable collections through scheduled and blanket coverage, emphasizing the importance of appraisals, documentation, agreed values, and policy sublimits. Finally, you'll examine the fundamentals of pet insurance, including accident and illness coverage, pre-existing condition exclusions, waiting periods, deductibles, co-insurance, reimbursement models, and policy limits. By the end of this course, you'll be better equipped to identify specialized personal insurance exposures, explain important coverage limitations, and recommend tailored insurance solutions that provide clients with protection beyond the standard home and auto policy.
Meet Your Instructor
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.