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WestVIrgInIACArryIngoutreAlIddrIVerx19slICenselAWcontinuedFromPage9IIAWVAnnuAlConVentIonoffersBroAdrAngeoftrAInIngopportunItIescontinuedFromPage1NeighboringPennsylvaniameanwhilejoined16otherstatesinMaybyenactingameasureopposingthefederallaw.LegislaturesinanothereightstateshaveadoptedresolutionsobjectingtoRealID.Thesebalkingstatesciteinadequatefederalfundingarguethatsomeofthebenchmarksareunworkableraiseprivacyconcernsandquestionthelawx19srelianceonanetworkofdatabasesmeanttoverifyidentitydocuments.WestVirginiaStateSenatorClarkBarnesR-RandolphechoedseveraloftheseargumentswhenheralliedthestateSenatetopasshisanti-RealIDbillin2008.TheproposedrefusaltocarryoutofthelawdiedintheHouseofDelegates.HetoldDaleheremainsopposedtothefederallawquestioningtheprospectforvoterfraudamongotherconcerns.ByLawrenceMessinapage10APublicationofIndependentInsuranceAgentsofWVHowtoinsureax1cvirtualx1dbusinessCyberrisksassociatedwithadvertisingliabilityForthemoretraditionalmindedagentsandagenciesx1cAdditionalInsuredCoverageorCrapshootx1disadetailedlookatacoverageareathatisthebasisformanydisputesandlitigation.Inadditioncontractsbetweentheinsuredandotherpartiescanfurthercomplicatethecoverageissuesparticularlyiftheinsurancecoveragedoesnotconformtothecontract.Inx1cAdditionalInsuredCoverageorCrapshootx1dattendeeswilllearnhowandwhentheadditionalinsuredendorsementshouldbeused.ThroughcasestudiesFarnhamwillidentifypitfallsandanalyzesolutions.HowthelanguageoftheadditionalinsuredendorsementhasevolvedandwhyTheextentofthescopeofcoverageunderanAIendorsementCoverageaffordedbytheAIendorsementTheimportanceofextrinsiccontractlanguagewhendeterminingcoverageunderanAIendorsementThisinteractiveseminarisdesignedtoprovideattendeesanopportunitytodiscusstheissuesrelativetotheadditionalinsuredendorsementandhowtoprovidecoveragesolutionstotheirinsuredclients.TheinstructorforbothseminarsisMs.EliseM.FarnhamCPCUARMAIMCPIWPresidentofIllumineConsultingaGeorgia-basedconsulting6rmwhichfocusesonprovidingeducationopportunitiesforinsuranceandriskmanagementprofessionalswithapplicabilityforotherprofessionalssuchas6nancialservicesprofessionalsarchitectsandengineersetc.AveteranoftheinsuranceindustryElisewasnamedthe6rstfemaleclaimsbranchmanagerforCrawfordCompanyandhasservedinexecutivepositionswithCrawfordCompanyGABRobinsCSBGroupandTheHarmonieGroup.SheisamemberoftheCPCUSocietyandapastRegionalGovernoraswellasaPastNationalPresidentoftheNationalAssociationofInsuranceWomenInternational.AninternationallyrecognizedspeakerandauthorElisehasbeennamedNationalClaimsProfessionaloftheYearandAtlantaInsuranceWomanoftheYear.x1cCyberRiskThreatsandSolutionsx1dwillbeofferedattheIIWVAnnualConventiononSundayafternoonOctober72012beginningat100pmattheResortatGladeSprings.x1cAdditionalInsuredCoverageorCrapshootx1dwillbeofferedattheIIWVAnnualConventiononSundayafternoonOctober72012beginningat100pmattheResortatGladeSprings.ForadditionalinformationontheIIAWV112thAnnualConventionvisittheIIAWVwebsiteatwww.iiawv.orgorcalltheassociationofxfceat800-274-4298.