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Comprehensive Commercial Lines

Comprehensive Commercial Lines

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$438

$438

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Highlights

  • Delivered Online

  • 11 weeks

  • Beginner level

Description

Typically scheduled as: 20 one-hour sessions twice a week over 10 weeks

Instructor-led via Zoom. Tired of the same old routine? Do those quaint shops and bustling restaurants whisper of untapped potential? Are you yearning to break free from the shackles of restrictive personal lines? Then this course is for you. Don’t miss this opportunity to enhance your proficiency and make a meaningful impact in the insurance industry for businesses.

Commercial Lines insurance may seem complicated, but we make it simple. Our form-based material enables the student to learn about the various nuances of commercial lines. We will review coverages, applications, underwriting, and selling the policy. Whether you seek refinement or build foundational skills, this course offers a concise yet comprehensive exploration of the intricacies of writing effective commercial lines insurance.

Imagine this:

  • Building a thriving agency, fueled by the success of your commercial lines prowess.

  • Closing deals with confidence.

  • Becoming the go-to insurance agent in your community.

  • Knowing you have the knowledge to solve clients' insurance challenges.

COURSE OUTLINE:

Session 1 - Review Course Outline

Session 2 - Writing Small Business Accounts (1.5 hours)

Session 3 - COPE

Session 4 & 5 - ACORD Applications

Session 6 - BOP (Businessowners Policy)

Session 7 - Commercial Property

Session 8 - General Liability-1

  • Policy Analysis

  • Coverages

Session 9 - General Liability-2

  • Additional Insureds

  • Case Study

Session 10 - Cyber Liability

Session 11 - Commercial Auto

  • Review ACORD 127 & 137

Session 12 - Workers' Compensation 1

  • Coverages

Session 13 – Workers' Compensation 2 (Employers Liability)

  • Federal/State Laws & Doctrines

Session 14 - Commercial Umbrella & Excess Liability

  • Review ACORD 131

Session 15 - Garage Insurance

  • Review ACORD 128 & 138

Session 16 - Supplemental Commercial Lines

  • EPLI (Employment Practices Liability)

  • Professional Liability

  • D&O (Directors and Officers)

  • Business Income & Extra Expense

Session 17 - Excess & Surplus Lines

Session 18 - Avoiding Errors and Omissions

Session 19 - Claims: What You Need to Know

Session 20 - Recap / Geopardy

Frequently Asked Questions

  • What are the key requirements to earn CE credit?

    You must attend the live webinar in real-time, log in and out as instructed, provide your National Producer Number and State license info, actively participate, and stay for the full session.

  • Is a final exam required?

    No, the instructor-led webinars do not require a final exam.

  • How are both participation and attendance monitored?

    Active participation is required. You will need to respond to instructor questions, answer at least two polling questions within one minute, and engage using the Chat feature. Attendance is monitored via your login/log-out times, Chat activity, and session records.

  • What happens if I’m late or inactive?

    Late arrivals, inactivity, or lack of participation (e.g., not answering poll questions) will result in no CE credit being awarded.

  • Are there Texas state-specific rules I need to follow?

    Texas Residents: A minimum of three students must be enrolled for CE credit to be issued.

  • What is the Refund Policy?

    Thank you for your trust in Insurance Centers of America, Inc. Education. Our goal is to provide you with a quality learning experience enabling you to enhance your insurance carrier. If you are not entirely satisfied with your experience, you may request a refund per the following terms:

    All Classes except Pre-Licensing

    Refunds will be provided up to 30 days before the start of the enrolled course. Within 30 days before your class start date, you can contact us to reschedule the class on a different date at no additional charge. Once a class has started, there are no refunds. You may reschedule your course at a 50% discount rate on your original purchase.

    Pre-Licensing Instructor Led

    Our goal is to have you successfully complete your state license exam on your first attempt by utilizing the materials provided and actively participating in the instructor-led classes. Should a student not pass the state exam, we will provide the two (2) days of exam preparation at no additional charge if taken with 60 days of your initial exam attempt.

    Self-Study Pre-licensing & Web CE

    Please refer to the WebCE.com

    Texts Books/Workbooks

    There are NO REFUNDS on textbooks or workbooks once these materials have been received by the student.

    How to Request a Refund

    All refund requests must be made through the link in the My Account on the ICA Insurance Education website. No telephone or verbal requests will be accepted.

      All refund requests must include the following:
    • 1. Purchaser Name
    • 2. Student Name (if different than purchaser)
    • 3. Order Number
    • 4. Class you want refunded
    • 5. Reason for refund request

    Access to Class Materials

    Students will have access to the class and materials for 60 days after date of enrollment.

course Content

18 sections•123 lessons
🎉 Welcome 🎉3 lessons
  1. 1🎉 Welcome 🎉
  2. 2Syllabus
  3. 3PowerPoint Slides & Resources
Session 2 - Intro to Writing Small Business0 lessons
    Session 3 - COPE5 lessons
    1. 1Lesson 1: Scenario-Based COPE Assessment – Retail Strip Mall
    2. 2Lesson 2: Scenario-Based COPE Assessment – Historic Downtown Building
    3. 3Lesson 3: Scenario-Based COPE Assessment – Light Manufacturing Facility
    4. 4Lesson 4: COPE Walkthrough – Virtual Property Tour
    5. 5Lesson 5: COPE in Action – Role Play and Client Communication
    Sessions 4 & 5 - ACORDs4 lessons
    1. 1🔍 Mastering ACORD Applications
    2. 2🔄 Real-World Scenarios: Applying ACORD Forms
    3. 3✔️ Common Pitfalls & Tips for Success
    4. 4🔑 Key Takeaway
    Session 6 - Businessowners Policy (BOP)12 lessons
    1. 1Understanding Commercial Insurance Options
    2. 2Structure and Core Coverages
    3. 3Eligibility and Underwriting Guidelines
    4. 4Covered Property and Triggers for Coverage
    5. 5Property Not Covered and Policy Exclusions
    6. 6Additional Property Coverages and Extensions
    7. 7Business Liability and Medical Payments
    8. 8Liability Exclusions and Endorsements
    9. 9Claims Handling and Policy Conditions
    10. 10Quoting - Information Gathering and Business Classification
    11. 11Navigating Carrier Websites for BOP Rating
    12. 12Reviewing Premiums and Adjustments
    Session 7 - Commercial Property3 lessons
    1. 1Foundations of Commercial Property Insurance
    2. 2Cause of Loss Forms and Coverage Types
    3. 3Valuation Methods in Commercial Property Insurance
    Session 8 - General Liability 17 lessons
    1. 1The Purpose and Scope of General Liability Insurance
    2. 2Types of Liability Risks and Covered Parties
    3. 3Policy Structure and Key Provisions
    4. 4What is Covered: Core Protections of CGL
    5. 5Exclusions: What is Not Covered
    6. 6Claims Handling and Policy Limits
    7. 7Applying CGL Knowledge: Real Claims and Scenarios
    Session 9 - General Liability 28 lessons
    1. 1Distinguishing Named Insureds and Additional Insureds
    2. 2Key Additional Insured Endorsements: CG 20 10, CG 20 37, CG 20 33, CG 20 38
    3. 3Risk Management Endorsements: Primary/Noncontributory, Waiver of Subrogation, Per Project Aggregate, and More
    4. 4Certificates of Insurance (COI): Purpose, Structure, and Best Practices
    5. 5Contractual Liability and Insured Contracts in CGL
    6. 6Issuing and Reviewing Certificates: Step-by-Step Process
    7. 7Case Studies: Additional Insureds, Endorsements, and Claims
    8. 8Knowledge Check and Advanced Quiz
    Session 10 - Cyber Liability9 lessons
    1. 1Session Overview and Learning Objectives
    2. 2What is Cyber Insurance?
    3. 3Common Cyber Risks and Exposures
    4. 4Types of Cyber Attacks
    5. 5First Party vs. Third Party Coverage
    6. 6Claims Scenarios and Practical Application
    7. 7Regulatory and Legal Considerations
    8. 8Market Trends and the Future of Cyber Insurance
    9. 9Summary, Q&A, and Next Steps
    Session 11 - Commercial Auto16 lessons
    1. 1Introduction to Commercial Auto Insurance
    2. 2Key Terms and Definitions
    3. 3Types of Commercial Auto Policies
    4. 4Business Auto Policy (BAP) Structure
    5. 5Covered Auto Symbols and Their Application
    6. 6Who is an Insured and Coverage Scenarios
    7. 7Rating, Classification, and Underwriting
    8. 8Liability Coverage and Extensions
    9. 9Physical Damage Coverage and Extensions
    10. 10Endorsements and Additional Coverages
    11. 11Policy Exclusions and Limitations
    12. 12Claims Handling and Dispute Resolution
    13. 13Legal and Contractual Provisions
    14. 14Territorial Limits and Policy Administration
    15. 15Applying Commercial Auto Insurance Knowledge
    16. 16Knowledge Checks and Review
    Session 12 - Workers Compensation 14 lessons
    1. 1Introduction and Historical Context of Workers' Compensation
    2. 2Structure and Coverage Parts of Workers' Compensation Policies
    3. 3Coverage Details, Exclusions, and Multi-State Operations
    4. 4Claims Handling, Legal Framework, and Practical Application
    Session 13 - Workers Compensation 24 lessons
    1. 1Duties, Conditions, and Endorsements in Workers' Compensation Policies
    2. 2Federal and State Coverage Extensions and Special Employment Situations
    3. 3Legal Doctrines Affecting Workers' Compensation Claims
    4. 4Complex Claims, Coverage Challenges, and Practical Scenarios
    Session 14 - Commercial Umbrella6 lessons
    1. 1Common Claims Scenarios: Learning from Everyday Risks
    2. 2Uncommon and Unusual Claims: Preparing for the Unexpected
    3. 3Case Study Workshop: Claims from Start to Settlement
    4. 4Explaining Coverage to Clients: Building Trust and Understanding
    5. 5Avoiding Common Agent Mistakes: Lessons from the Field
    6. 6Practical Application: Identifying Coverage Gaps and Recommending Solutions
    Session 15 - Garage11 lessons
    1. 1Introduction to Garage Insurance Policies
    2. 2Core Coverages and Policy Structure
    3. 3Exclusions, Endorsements, and Policy Conditions
    4. 4Risk Assessment and Underwriting Process
    5. 5Rating Factors and Policy Customization
    6. 6Claims Procedures and Loss Conditions
    7. 7Common Claims and How to Avoid Them
    8. 8Case Study: Liability for Customer Vehicles in Care
    9. 9Case Study: Coverage Gaps and Endorsement Solutions
    10. 10Case Study: Underwriting a New Garage Operation
    11. 11Case Study: Claims Dispute and Policy Exclusions
    Session 16 - Supplemental Commercial Lines5 lessons
    1. 1Professional Liability Insurance (E&O)
    2. 2Directors & Officers (D&O) Liability
    3. 3Employment Practices Liability (EPL)
    4. 4Business Income & Extra Expense: Practical Coverage Strategies
    5. 5Commercial Lines in Client Consultations: Best Practices and Exercises
    Session 17 - Excess & Surplus Lines - Commercial8 lessons
    1. 1The Role and Scope of Excess & Surplus Lines in Commercial Insurance
    2. 2E&S Market in Action: Case Studies and Industry Impact
    3. 3Navigating Regulatory Requirements in Surplus Lines
    4. 4Diligent Effort: Documentation and Best Practices
    5. 5Calculating Surplus Lines Taxes and Fees
    6. 6Transparency and Compliance in E&S Transactions
    7. 7Consumer Protections and Disclosures in Surplus Lines
    8. 8Emerging Risks and the Future of E&S Insurance
    Session 18 - Errors & Omissions9 lessons
    1. 1E&O Fundamentals and Industry Impact
    2. 2Common E&O Triggers: Real-World Claims and Scenarios
    3. 3E&O Policy Coverage and Exclusions
    4. 4Loss Control Planning and Staff Training
    5. 5Exposure Analysis: Using Forms for Risk Assessment
    6. 6Documentation and Communication Strategies
    7. 7Ethical Marketing and Avoiding Misrepresentation
    8. 8Certificates of Insurance, Binders, and Policy Changes
    9. 9Claims Reporting and Non-Renewals: Avoiding Pitfalls
    Session 19 - Claims9 lessons
    1. 1Understanding the Agent’s Dual Role
    2. 2Duty to the Carrier: Reporting and Compliance
    3. 3Duty to the Client: Advocacy and Communication
    4. 4Claims Intake: First Response and Documentation
    5. 5Reporting Claims: Procedures and Pitfalls
    6. 6Communication Protocols and Third Parties
    7. 7Preventing Errors & Omissions (E&O) Claims
    8. 8Case Studies: Claims Handling in Action
    9. 9Quiz and Knowledge Check

    Dates

    • 2/11-4/27 M&W 9-10 am Mtn
      11 Feb → to 27 Apr (20 sessions)
      Delivered OnlineOnline
      $438

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