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Earn 1 CEU at AALHA's monthly CE class designed specifically to meet the educational needs of Homeowners and Managers.

Business Insurance: What you need and Why

Class Description:
Gain a clear, practical understanding of business insurance essentials to better protect your organization. This session breaks down complex policy language, coverage types, and common pitfalls so you can confidently manage risk and ensure compliance.

Topics Covered:

• Business Insurance: CGL & Professional Liability (sexual abuse/molestation, ALTCS/AHCCCS minimums, cyber liability)

• Property Insurance: Structure vs. contents, business income, extra expense

• Workers’ Compensation: AZ requirements, independent contractor traps

• Commercial Auto: Owned vs. hired/non-owned coverage

• Decoding Policies: Occurrence vs. claims-made, retro dates, limits, exclusions, tail coverage

• Defense with Reservation of Rights

• APSA, Negligence & Wrongful Death: Key insurance nuances

Meet the Speakers:

Jennifer Wassermann

Jennifer Wassermann is a Partner at the Davis Miles law firm in Tempe and a Realtor® affiliated with West USA Realty, specializing in Senior Housing and Commercial Services. Jenn uses her business and legal experience in the fields of regulated residential housing; general real estate; business; and employment law, to help assisted living owners and operators navigate the lifecycle of their business operations, including regulatory compliance issues. She has been co-owner of two licensed assisted living homes, and holds an assisted living manager certificate in Arizona. Fun facts: Jenn grew up in a highrise for the elderly, and is a certified Parkinson's wellness group fitness instructor. 

Spencer Cohen

Spencer Cohen started in the insurance industry in 2012 as a workers’ compensation claims adjuster. Prior to working at Hub International as a commercial insurance broker, he worked for two third party administrators assisting clients nationwide with their risk management, claims, and loss control programs. As a former CNA, Spencer has a lot of respect for long-term care facilities. His insurance focus at Hub is within the Healthcare and Complex Risk space, and the majority of his clients are assisted living facilities.