• 24 Credits

    In the state of North Carolina, you need 24 credit hours every 2 years. Once you complete this course, we'll send over your passing grade so you get the credit you need.

  • 46 Chapters

    This course takes you deeper into property and casualty insurance, flood insurance, and ethics so that you not only get CE credits for your state but you gain valuable knowledge.

  • 3-6-5

    Access your courses, certificates, transcript here 365 days a year. Everything you need in one place so you can get back to what matters to you.

Course Curriculum

  • 1
    1. Commercial Property
  • 2
    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
    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
    4. Commercial Crime: Introduction
    • 4.1 Overview
    • 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
    • 4.10 Summary
    • Chapter 4 Quiz
  • 5
    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
    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
    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
    8. Commercial Automotive Insurance: Additional Coverages
    • 8.1 Physical Damage Coverage
    • 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
    • 8.10 Summary
    • Chapter 8 Quiz
  • 9
    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
    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
    11. Commercial Liability: The Coverages
    • 11.1 Coverage A – Bodily Injury and Property Damage Liability
    • 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
    • 11.10 Summary
    • Chapter 11 Quiz
  • 12
    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
    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
    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
    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
    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
    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
    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
    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
    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
    21. Mobile Home Insurance: Optional Coverages
    • 21.1 Endorsements to the Mobile Home Policy
    • 21.2 Summary
    • Chapter 21 Quiz
  • 22
    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
    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
    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
    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
  • 26
    26. Personal Auto Insurance: Auto Insurance Basics
    • 26.1 Introduction
    • 26.2 Evaluating Risk
    • 26.3 Summary
    • Chapter 26 Quiz
  • 27
    27. Personal Auto Insurance: Personal Auto Application
    • 27.1 Applicant’s Name and Address
    • 27.2 Policy Period
    • 27.3 Residence
    • 27.4 Garage Location
    • 27.5 Vehicle Description and Use
    • 27.6 Summary
    • Chapter 27 Quiz
  • 28
    28. Personal Auto Insurance: Coverage
    • 28.1 Single Limit Liability
    • 28.2 Bodily Injury Liability
    • 28.3 Property Damage Liability
    • 28.4 Personal Injury Protection
    • 28.5 Additional Personal Injury Protection
    • 28.6 Uninsured Motorist Coverage
    • 28.7 Underinsured Motorist Coverage
    • 28.8 Comprehensive Coverage
    • 28.9 Collision Coverage
    • 28.10 Actual Cash Value
    • 28.11 Towing and Labor Coverage
    • 28.12 Transportation Expenses
    • 28.13 Summary
    • Chapter 28 Quiz
  • 29
    29. Personal Auto Insurance: Coverage Continued
    • 29.1 Additional Coverage and Endorsements
    • 29.2 Resident and Driver Information
    • 29.3 Accidents and Convictions
    • 29.4 Additional Interest
    • 29.5 Employment Information
    • 29.6 Prior Coverage
    • 29.7 General Information
    • 29.8 Remarks
    • 29.9 Attachments
    • 29.10 Binder and Signature
    • 29.11 Summary
    • Chapter 29 Quiz
  • 30
    30. Personal Umbrella Insurance: Adding On - Umbrella Insurance
    • 30.1 Introduction
    • 30.2 Umbrella Insurance Versus Excess Insurance
    • 30.3 Who Needs A Personal Umbrella Policy?
    • 30.4 Summary
    • Chapter 30 Quiz
  • 31
    31. Personal Umbrella Insurance: Umbrella Insurance and the Law
    • 31.1 Overview
    • 31.2 Two Categories of the Law
    • 31.3 Two Types of Civil Law
    • 31.4 Torts
    • 31.5 Types of Negligence
    • 31.6 Liability Insurance
    • 31.7 What an Umbrella Insurance Policy Provides
    • 31.8 Common Coverage Amounts
    • 31.9 Summary
    • Chapter 31 Quiz
  • 32
    32. Personal Umbrella Insurance: Personal Injury
    • 32.1 Personal Injury Defined
    • 32.2 Defense, Settlement, and Court Costs
    • 32.3 Summary
    • Chapter 32 Quiz
  • 33
    33. Commercial & Personal Flood Insurance: An Introduction
    • 33.1 Why Flood Insurance?
    • 33.2 Facts About Floods
    • 33.3 Federal Disaster Assistance
    • 33.4 Summary
    • Chapter 33 Quiz
  • 34
    34. Commercial & Personal Flood Insurance: The National Flood Insurance Program (NFIP)
    • 34.1 Overview
    • 34.2 History
    • 34.3 The Beginnings of Private-Sector Flood Insurance
    • 34.4 Definitions
    • 34.5 Information for Buyers
    • 34.6 Summary
    • Chapter 34 Quiz
  • 35
    35. Commercial & Personal Flood Insurance: Understanding the Risks
    • 35.1 Available Flood Insurance
    • 35.2 Preferred Risk Policy
    • 35.3 Limitations and Covered Losses
    • 35.4 Basement Coverage
    • 35.5 Other Covered Losses
    • 35.6 Deductibles
    • 35.7 Covered Preventive Measures
    • 35.8 Filing a Flood Insurance Claim
    • 35.9 Summary
    • Chapter 35 Quiz
  • 36
    36. Commercial & Personal Flood Insurance: Flood Hazard Policy Forms
    • 36.1 Types of Flood Hazard Policies
    • 36.2 Agreement & Definitions
    • 36.3 The Coverage
    • 36.4 Exclusions
    • 36.5 Insured's Responsibilities
    • 36.6 Policy Guidance for Closed Basin Lakes
    • 36.7 Summary
    • Chapter 36 Quiz
  • 37
    37. Cyber Security: An Introduction
    • 37.1 Overview
    • 37.2 Technology’s Impact on the Insurance Industry
    • 37.3 Understanding “Who is at Risk?”
    • 37.4 Mail and Package Delivery
    • 37.5 Computers and Laptops
    • 37.6 Faxes, Emails and Outside Devices
    • 37.7 Email Encryption
    • 37.8 Being Smart With Your Smartphone
    • 37.9 The Dangers of B.Y.O.D. (Bring Your Own Device) Programs
    • 37.10 Summary
    • Chapter 37 Quiz
  • 38
    38. Cyber Security: Understanding Laws, Guidelines and Regulations
    • 38.1 Overview
    • 38.2 HIPPA and Security
    • 38.3 The Gramm-Leach-Bliley Act (GLBA)
    • 38.4 USA PATRIOT Act
    • 38.5 NAIC Data Guidance and Security Model Law
    • 38.6 Summary
    • Chapter 38 Quiz
  • 39
    39. Cyber Security: Cyber Crime - Recognizing the Threats
    • 39.1 Overview
    • 39.2 What People Are Most Vulnerable?
    • 39.3 What Businesses Are Most Vulnerable?
    • 39.4 What Information Is Most Vulnerable?
    • 39.5 Summary
    • Chapter 39 Quiz
  • 40
    40. Cyber Security: Cybersecurity Insurance Coverage
    • 40.1 Overview
    • 40.2 A Brief History of Cyber Insurance
    • 40.3 Cyber Insurance 101
    • 40.4 Cyber Liability Coverage
    • 40.5 Identity Theft Coverage
    • 40.6 Cyber Security Insurance: Common Exclusions
    • 40.7 Underwriting Cyber Security Insurance Policies
    • 40.8 The Future of Cyber Security Insurance
    • 40.9 Summary
    • Chapter 40 Quiz
  • 41
    41. Ethical Insurance Practices: Why Ethics Matter
    • 41.1 Overview
    • 41.2 Value of Ethics
    • 41.3 Components of an Ethical System
    • 41.4 Ethics and Success
    • 41.5 Purpose of a Code of Ethics
    • 41.6 Ethics in the Workplace Statistics
    • 41.7 Hallmarks of an Ethical Culture
    • 41.8 Summary
    • Chapter 41 Quiz
  • 42
    42. Ethical Insurance Practices: Understanding Legal Requirements
    • 42.1 Overview
    • 42.2 Legal Regulations
    • 42.3 Unfair Trade Practices
    • 42.4 Six Principles of Insurance
    • 42.5 The Importance of an Agency Relationship
    • 42.6 Mandatory Licensing and Education Training
    • 42.7 Legal Sanctions for Transgressions
    • 42.8 Summary
    • Chapter 42 Quiz
  • 43
    43. Ethical Insurance Practices: Internal Benefits - For Employees and the Company
    • 43.1 Overview
    • 43.2 Code of Ethics vs. Code of Conduct
    • 43.3 Prevents Discrimination and Harassment
    • 43.4 Mitigates Employee Conflicts
    • 43.5 Structures Pay and Promotions
    • 43.6 Serves as a Point of Reference for Corrective Action
    • 43.7 Demonstrates Corporate Responsibility
    • 43.8 The Fiduciary Relationship Between Agents, Companies, and Clients
    • 43.9. Summary
    • Chapter 43 Quiz
  • 44
    44. Ethical Insurance Practices: External Benefits | Client Relations
    • 44.1 Overview
    • 44.2 Honesty and Transparency
    • 44.3 Fairness
    • 44.4 Competence
    • 44.5 Confidentiality
    • 44.6 Ethics and Working with the Senior Market
    • 44.7 Respecting Others
    • 44.8 Summary
    • Chapter 44 Quiz
  • 45
    45. Ethical Insurance Practices: Writing a Code of Ethics
    • 45.1 Overview
    • 45.2 Benefits of Defining a Business Code of Ethics
    • 45.3 Writing Style and Organization
    • 45.4 Determining Content
    • 45.5 Advice on Developing a Code of Ethics
    • 45.6 Write It Down
    • 45.7 Sample Code of Ethics
    • 45.8 Summary
    • Chapter 45 Quiz
  • 46
    46. Ethical Insurance Practices: Understanding Ethics in the Senior Market
    • 46.1 Overview
    • 46.2 Ethical Considerations in the Senior Market
    • 46.3 Key Issues Facing Seniors
    • 46.4 The Declining of Traditional Sources of Retirement Income
    • 46.5 Understanding Senior’s Needs and Goals
    • 46.6 Understanding the Impact of Aging on Decision Making
    • 46.7 Trust, Loyalty, and How Seniors Search for Information
    • 46.8 Key Qualities Seniors Seek in Financial Advisors
    • 46.9 Effectively Communicating with Seniors
    • 46.10 Summary
    • Chapter 46 Quiz
  • 47
    Exam
    • Final Exam

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