{"product_id":"9781938130465","title":"Personal Umbrella","description":"\u003cp\u003eAuto and homeowners policies provide adequate liability for many people, but umbrella insurance coverage provides an extra layer of liability coverage. \u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eNot all umbrella policies are the same - they differ in coverage, definitions, scope and features. Although Insurance Services Office (ISO) and American Association of Insurance Services (AAIS) have developed umbrella policies, most insurers file and use their own forms. Therefore, it is important to have a basic knowledge of umbrella features and benefits so that insurance professionals can best advise and protect their clients.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003e\"Drop Down.\" \"Following Form.\" \"Excess.\" If you don't know the meaning of these terms, you need \u003cem\u003eThe Personal Umbrella Coverage Guide\u003c\/em\u003e to help you understand this important tool in the personal lines arsenal. Your clients need umbrella coverage; your competitors will happily sell it to them - and replace your homeowners and auto coverage along the way. \u003cem\u003eThe Personal Umbrella Coverage Guide\u003c\/em\u003e will teach you the basics of how umbrella policies work and interact with underlying homeowners and auto insurance, so that you can advise your clients and build your personal lines book of business.\u003c\/p\u003e\u003cp\u003eContinuing Education Product\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eSee which products are available for CE in your state. \u003c\/li\u003e\n\u003cli\u003eSee monitoring requirements in your state. \u003c\/li\u003e\n\u003cli\u003eCall Customer Service at 800-543-0874 to purchase the CE exam. No CE will be granted if the book has not been purchased. \u003c\/li\u003e\n\u003c\/ul\u003e","brand":"National Underwriter Company","offers":[{"title":"Default Title","offer_id":47161978945776,"sku":"9781938130465","price":96.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0737\/7593\/9824\/files\/9781938130465_p0.jpg?v=1763663689","url":"https:\/\/shop-qa.barnesandnoble.com\/products\/9781938130465","provider":"Barnes \u0026 Noble (DEV)","version":"1.0","type":"link"}