Welcome to the Insurance Industry – 5.5 CE Credits
An introduction to the main functions of an insurance company including pricing, underwriting, claims, and marketing. A great onboarding tool for those new to the industry or to your company.
Business Owners Policy (BOP) – 7 CE Credits
A full explanation of the popular BOP. Students will learn who can have a BOP, property coverages, liability coverage, perils covered, and who qualifies as an “insured.” This course includes lots of examples and “real life” scenarios for a solid introduction to the small business market.
Commercial General Liability (CGL/GL) – 6 CE Credits
The CGL, also known in the industry simply as a general liability or commercial liability policy, is the insurance policy that no medium to large business can be without. It covers “traditional” liability such as slip and falls and also covers liability related to advertising and related damages and injuries. This course is a must for anyone who is—or wants to be—active in the commercial markets.
Business and Personal Property (BPP/Commercial Property) – 6 CE Credits
For a mid- to large-sized business, the keystone of protection for damage to the business’s property is the BPP. In this course, the student will engage in an in-depth, yet simple to understand, review of the BPP, including several popular endorsements such as peak season and value reporting.
Business Auto Policy (BAP/Commercial Auto) – 4 CE Credits
Any business that operates vehicles, even if they are not owned by the business, is a good candidate for the BAP. But the use of symbols can be intimidating. This course will cover the entire BAP policy, including explanations of the symbols used with lots of examples and exercises to solidify the student’s learning and expertise.
Commercial Umbrella and Excess Liability Policies – 3.5 CE Credits
The Commercial Umbrella and Excess Liability policies are actually two different animals. But they do share similarities and many in the insurance industry call both by the “umbrella” name. In this course, the student will become an expert in the differences, learn the various types, such as “following form” policies, and learn to recognize the opportunities for these policies in the commercial market.
Worker Compensation and Employers Liability
Workers’ Compensation insurance is a world unto itself. Each state has its own rules and regulations. But, even in states in which workers’ compensation insurance is not required (due to the type or number of workers), it is often a good idea to purchase it. In this course, the student will learn why as well as how the coverages apply. Since the most common workers compensation policy also includes Employer Liability Insurance, that is covered as well.
Builders Risk – 4.5 CE Credits
Builders Risk insurance (sometimes called “course of construction” insurance) is a special policy that is needed when an insured undertakes any construction project. It covers the buildings under construction, certain tools, equipment, and materials used. It can be written on a temporary basis or, for construction clients, on a permanent basis.
Installation Coverage Policy
Often called an “installation floater,” the Installation Coverage Policy covers construction materials that are not covered by a commercial property policy because they are not on the covered premises, and not covered under a Builders Risk Policy.
Commercial Crime Insurance
There are seven different insuring agreements for the Commercial Crime Policy. Unlike many other insurance policies they are “a la carte.” The insured only selects and pays for the ones he or she needs.
Contractors Equipment Insurance
For any insured in the construction trades, the Contractors Equipment Insurance Policy is a must. It protects the tools and equipment that is the lifeblood of the contractor’s business when it is on its way or at a job site.
Personal Auto Insurance
The Personal Auto Policy, or PAP, is the core of many property and casualty insurance agents’ books of business. Even multi-line agents often “lead” with the PAP in hopes of converting other lines of business as the client relationship develops. It is also the most popular insurance policy in the US.
ISO Owner/Occupied Homeowners Policies (includes HO 1, HO 2, HO 3, HO 5, and HO 8)
Knowing which Homeowners Insurance Policy is right for which situation is a key to success in personal lines. This course covers the typical owner/occupied homeowners policies including the HO 2, HO 3, HO 5 and HO 8, as well as gives information about the somewhat rare HO 1.
HO 4 (Renters Insurance)
The HO 4 is used in one situation—when an insured is renting a residence from another. And even though it is similar to other HO-type policies, it has big differences, such as NO Coverage A for the dwelling. This course explains it all.
HO 6 (Condo Owners)
For owner/occupied condominiums and cooperatives, the HO 6 is the policy to use. This course is an in-depth review of that policy.
Making the Case for Life Insurance
It’s true that property and casualty insurance is often “bought” but life insurance is “sold.” This course will explain the common needs for life insurance as well as how to determine how much life insurance is needed.
Term Life Insurance
The fastest growing life insurance policies are term insurance. And with innovations such as level premium and return of premium term, a term insurance policy can be customized to almost any situation.
Group Health Insurance
Since the Affordable Care Act was enacted, the group health insurance market has changed. This course will explain the important (and confusing) terminology associated with health insurance as well as how group health plans are underwritten and priced. The student will also learn the basic types of health insurance offered in most group plans.
Group Term Life Insurance
Offering group term life insurance is a basic employee benefit in many companies. This course will explain the product, the tax benefits that make it popular, and the tax issues that accompany group term life insurance. It is a great introduction to the group benefits market.
Group Disability Insurance
Group disability insurance is somewhat different from individual disability income policies. In this course, the student will study the mechanics of group disability from who can be insured to the benefits and taxation of those benefits. Being able to offer this to businesses can expand an employee benefits book of business.
