All You Need is P&C Insurance

24-hours of Commercial and Personal Property & Casualty Insurance + Flood, and Ethics

$48.00 + your state filing fee
24 Credit Hours

This course favors P&C insurance agents but is applied as general credit for all agents. It fulfills the ethics and flood requirements.

COURSE DIFFICULTY

INTERMEDIATE
This course covers the following topics:
  • A discussion of commercial business insurance and similar coverages and needs for individuals.
  • Detail key information for flood insurance.
  • An examination of an increasingly popular form of insurance – cybersecurity insurance.
  • Discussion of ethical practices for insurance agents.

Summary

This course is designed to walk students through the most important aspects of Commercial and Personal Property and Casualty Insurance. It begins with a discussion of commercial business insurance, then moves to similar coverages and needs for individuals. It will then detail key information for flood insurance – a coverage need for both businesses and individuals. After that portion of the course, we will examine an increasingly popular form of insurance – cyber security insurance. Lastly, we’ll conclude by discussing ethical practices for insurance agents.

Outline

1. Commercial Property

  • 1.1 Introduction
  • 1.2 How Commercial Property Insurance Works
  • 1.3 Common Policy Forms
  • 1.4 Declaration Form
  • 1.5 Conditions Form
  • 1.6 Summary
  • Affidavit of Personal Responsibility
  • Chapter 1 Quiz

2. Commercial Property: Causes of Loss Forms

  • 2.1 Causes of Loss – Basic Form Overview
  • 2.2 Basic Form Exclusions
  • 2.3 Causes of Loss – Broad Form Overview
  • 2.4 Broad Form Additional Coverage
  • 2.5 Broad Form Exclusions
  • 2.6 Causes of Loss – Special Form Overview
  • 2.7 Special Form Exclusions
  • 2.8 Special Form Coverage Extensions
  • 2.9 Summary
  • Chapter 2 Quiz

3. Commercial Property: Building & Personal Property Coverage Forms

  • 3.1 Commercial Property Coverage Forms Overview
  • 3.2 Building and Personal Property Overview
  • 3.3 Building and Personal Property Policy Specifications
  • 3.4 Building and Personal Property Exclusions
  • 3.5 Building and Personal Property Additional Coverages
  • 3.6 Building and Personal Property Conditions
  • 3.7 Building and Personal Property Optional Coverages
  • 3.8 Building and Personal Property Coverage Extensions
  • 3.9 Summary
  • Chapter 3 Quiz

4. Commercial Crime: Introduction

  • 4.1 Overview
  • 4.10 Summary
  • 4.2 Commercial Crime Coverage
  • 4.3 Common Policy Declarations
  • 4.4 The Common Policy Conditions
  • 4.5 Commercial Crime Declarations
  • 4.6 Limit of Insurance and Deductible
  • 4.7 Commercial General Exclusions
  • 4.8 Commercial Crime Conditions
  • 4.9 Commercial Crime Definitions
  • Chapter 4 Quiz

5. Commercial Crime: Insuring Agreements

  • 5.1 Basic Insuring Agreements
  • 5.2 Additional Insuring Agreements
  • 5.3 Common Commercial Crime Endorsements
  • 5.4 Commercial Crime Rating
  • 5.5 Summary
  • Chapter 5 Quiz

6. Commercial Automotive Insurance: Introduction

  • 6.1 Overview
  • 6.2 Commercial Auto Insurance and Auto Forms
  • 6.3 Eligible Vehicles
  • 6.4 Summary
  • Chapter 6 Quiz

7. Commercial Automotive Insurance: Business Auto Coverage Form

  • 7.1 Declaration Page
  • 7.2 Liability Coverages and Covered Autos
  • 7.3 Covered Autos Liability Coverage
  • 7.4 Who is an Insured?
  • 7.5 Coverage Extensions-Supplementary Payments
  • 7.6 Out-of-State Extensions
  • 7.7 Exclusions
  • 7.8 Limits of Insurance
  • 7.9 Summary
  • Chapter 7 Quiz

8. Commercial Automotive Insurance: Additional Coverages

  • 8.1 Physical Damage Coverage
  • 8.10 Summary
  • 8.2 Comprehensive Coverage
  • 8.3 Collision Coverage
  • 8.4 Specified Causes of Loss
  • 8.5 Towing Coverage
  • 8.6 Transportation Expenses
  • 8.7 Physical Damage Exclusions
  • 8.8 Deductible
  • 8.9 Limits of Insurance
  • Chapter 8 Quiz

9. Commercial Liability: Introduction

  • 9.1. Overview
  • 9.2 Definitions
  • 9.3 Two Types of Law
  • 9.4 Property Owner Responsibility
  • 9.5 Parties Involved
  • 9.6 Liability Exposures
  • 9.7 Summary
  • Chapter 9 Quiz

10. Commercial Liability: The Commercial General Liability Policy - An Introduction

  • 10.1 The Declarations Page
  • 10.2 Policy Conditions
  • 10.3 Coverage Forms
  • 10.4 Summary
  • Chapter 10 Quiz

11. Commercial Liability: The Coverages

  • 11.1 Coverage A – Bodily Injury and Property Damage Liability
  • 11.10 Summary
  • 11.2 Coverage A – Features Applicable to the Claims Made Form Only
  • 11.3 Coverage A – Exclusions
  • 11.4 Coverage B – Personal and Advertising Injury Liability?
  • 11.5 Coverage B – Features Applicable to the Claims Made Form Only
  • 11.6 Coverage B – Exclusions
  • 11.7 Coverage C – Medical
  • 11.8 Coverage C – Exclusions
  • 11.9 Coverage A and B – Supplementary Payments
  • Chapter 11 Quiz

12. Commercial Liability: Insured Designation, Limits and Conditions

  • 12.1 Who Is an Insured?
  • 12.2 Insurance Limits
  • 12.3 Conditions of Commercial General Liability Policies
  • 12.4 Extended Reporting Periods – Claims Made Form Only
  • 12.5 Summary
  • Chapter 12 Quiz

13. Commercial Umbrella Insurance: Introduction

  • 13.1 Overview
  • 13.2 The Role of Commercial Umbrella Insurance
  • 13.3 Umbrella Coverage Terminology
  • 13.4.?How the Coverage Works
  • 13.5 Underlying Limits and Risks
  • 13.6 Maintaining Underlying Insurance
  • 13.7 Summary
  • Chapter 13 Quiz

14. Commercial Umbrella Insurance: The Structure of an Umbrella Policy

  • 14.1 The Declarations
  • 14.2?Common Policy Conditions
  • 14.3?The Schedule of Underlying Insurance
  • 14.4?The Policy Coverage Form
  • 14.5?The Coverages
  • 14.6 Who is an Insured?
  • 14.7?Limits of Insurance
  • 14.8?Conditions
  • 14.9 Summary
  • Chapter 14 Quiz

15. Homeowners Insurance: The Basics

  • 15.1 Introduction
  • 15.2. Why Homeowners Insurance?
  • 15.3 The Homeowners Insurance Policy Forms
  • 15.4 Our Case Study Family
  • 15.5 Summary
  • Chapter 15 Quiz

16. Homeowners Insurance: Harry and Jane’s Special Form Homeowners Policy - Overview

  • 16.1 The Declarations Page
  • 16.2 Property Coverages: Dwelling
  • 16.3 Property Coverages: Other Structures
  • 16.4 Property Coverages: Personal Property
  • 16.5 Special Limits of Liability
  • 16.6 Property Not Covered
  • 16.7 Loss of Use
  • 16.8 Additional Coverage
  • 16.9 Summary
  • Chapter 16 Quiz

17. Homeowners Insurance: Harry and Jane’s Homeowners Policy - Perils Insured Against

  • 17.1 What Are Perils?
  • 17.2 Perils for Coverage A and Coverage B
  • 17.3 Perils for Coverage C
  • 17.4 Summary
  • Chapter 17 Quiz

18. Homeowners Insurance: Harry and Jane’s Homeowners Policy - Liability Coverages

  • 18.1 Coverage E: Personal Liability?
  • 18.2 Coverage F: Medical Payments to Others
  • 18.3. Additional Coverages for Section II
  • 18.4 Summary
  • Chapter 18 Quiz

19. Mobile Home Insurance: The Basics

  • 19.1 Introduction
  • 19.2 Property Coverage
  • 19.3 Property Not Covered
  • 19.4 Coverages Provided
  • 19.5 Property Exclusions
  • 19.6 Summary
  • Chapter 19 Quiz

20. Mobile Home Insurance: Variations on the Mobile Home Policy

  • 20.1 Occupied Mobile Home Insurance
  • 20.2 Named Perils Mobile Home Coverage
  • 20.3 Named Perils Adjacent Structures Coverage
  • 20.4 Named Perils Contents Coverage
  • 20.5 Extension of Contents Coverage
  • 20.6 Collision Coverage
  • 20.7 Additional Coverages
  • 20.8 Exclusions on Named Perils Coverage
  • 20.9 Summary
  • Chapter 20 Quiz

21. Mobile Home Insurance: Optional Coverages

  • 21.1 Endorsements to the Mobile Home Policy
  • 21.2 Summary
  • Chapter 21 Quiz

22. Personal Fire Insurance: Fire Insurance Policies

  • 22.1 Overview
  • 22.2 What is the Dwelling Fire Policy?
  • 22.3 Summary
  • Chapter 22 Quiz

23. Personal Fire Insurance: The Coverage Parts

  • 23.1 Coverages
  • 23.2 Other Coverages
  • 23.3 Exclusions
  • 23.4 Conditions
  • 23.5 Summary
  • Chapter 23 Quiz

24. Personal Fire Insurance: Perils Insured Against

  • 24.1 Buildings, Structures and Content
  • 24.2 Other Coverages
  • 24.3 Conditions
  • 24.4 Exclusions
  • 24.5 Summary
  • Chapter 24 Quiz

25. Personal Fire Insurance: Endorsements

  • 25.1 Coverage Forms
  • 25.2 Cancellation Endorsements
  • 25.3 Deductible Endorsements
  • 25.4 Miscellaneous Endorsements
  • 25.5 Liability Endorsements
  • 25.6 Summary
  • Chapter 25 Quiz

FAQ

Q: What should I expect from this online course?

A: We use a unique system to help you learn the material easily. Our online courses present you with information in large type that is easy to read. We highlight key items in gray and quiz you after each chapter to make sure you are learning critical information. You may review the material as much as you want before taking your required online, multiple-choice exam. Passing the exam proves your proficiency in that subject to your state’s governing authority.

Q: Can I print my online course materials and test questions?

A: According to the state authority, it is not permissible to print or download any course material or exam questions. However, you are free to access all online courses from our website anytime.

Q: How long does it take to complete an online course?

A: The time required to complete an online course varies from student to student, but it roughly approximates the number of credit hours awarded for the course. You must pass an online, multiple-choice exam. Passing the exam proves your proficiency in that subject to your state’s governing authority.

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