• 12 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.

  • 23 Chapters

    This course takes you deeper into commercial property and casualty insurance, flood, 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: Introduction to 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 and Limitation
    • 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: Commercial Property and 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 Business and Personal Property Additional Coverages
    • 3.6 Business and Personal Property Conditions Form
    • 3.7 Optional Coverages
    • 3.8 Building and Personal Property Coverage Extensions
    • 3.9 Summary
    • Chapter 3 Quiz
  • 4
    4. Flood Insurance: Introduction to Flood Insurance
    • 4.1 Why Flood Insurance?
    • 4.2 Facts About Floods
    • 4.3 Federal Disaster Assistance
    • 4.4 Summary
    • Chapter 4 Quiz
  • 5
    5. Flood Insurance: The National Flood Insurance Program (NFIP)
    • 5.1 Overview
    • 5.2 History
    • 5.3 The Beginnings of Private-Sector Flood Insurance
    • 5.4 Definitions
    • 5.5 Information for Buyers
    • 5.6 Summary
    • Chapter 5 Quiz
  • 6
    6. Flood Insurance: Understanding the Risks
    • 6.1 Preferred Risk Policy
    • 6.2 Limitations and Covered Losses
    • 6.3 Deductibles
    • 6.4 Covered Preventive Measures
    • 6.5 Filing a Flood Insurance Claim
    • 6.6 Summary
    • Chapter 6 Quiz
  • 7
    7. Flood Insurance: Flood Hazard Policy Forms
    • 7.1 Types of Flood Hazard Policies
    • 7.2 Agreement and Definitions
    • 7.3 The Coverages
    • 7.4 Exclusions
    • 7.5 Insured’s Responsibilities
    • 7.6 Policy Guidance for Closed Basin Lakes
    • 7.7 Summary
    • Chapter 7 Quiz
  • 8
    8. Commercial Crime: Introduction
    • 8.1 Overview
    • 8.2 Commercial Crime Coverage
    • 8.3 Common Policy Declarations
    • 8.4 The Common Policy Conditions 
    • 8.5 Commercial Crime Declarations
    • 8.6 Limit of Insurance and Deductible 
    • 8.7 Commercial General Exclusions 
    • 8.8 Commercial Crime Conditions 
    • 8.9 Commercial Crime Definitions 
    • 8.10 Summary
    • Chapter 8 Quiz
  • 9
    9. Commercial Crime: Insuring Agreements
    • 9.1 Basic Insuring Agreements
    • 9.2 Additional Insuring Agreements
    • 9.3 Common Commercial Crime Endorsements
    • 9.4 Commercial Crime Rating 
    • 9.5 Summary
    • Chapter 9 Quiz
  • 10
    10. Commercial Automotive Insurance: Introduction
    • 10.1 Overview
    • 10.2 Commercial Auto Insurance and Auto Forms
    • 10.3 Eligible Vehicles
    • 10.4 Summary
    • Chapter 10 Quiz
  • 11
    11. Commercial Automotive Insurance: Business Auto Coverage Form
    • 11.1 Declaration Page
    • 11.2 Liability Coverages and Covered Autos
    • 11.3 Covered Autos Liability Coverage
    • 11.4 Who is an Insured?
    • 11.5 Coverage Extensions-Supplementary Payments
    • 11.6 Out-of-State Extensions
    • 11.7 Exclusions
    • 11.8 Limit of Insurance
    • 11.9 Summary
    • Chapter 11 Quiz
  • 12
    12. Commercial Automotive Insurance: Additional Coverages
    • 12.1 Physical Damage Coverage
    • 12.2 Comprehensive Coverage
    • 12.3 Collision Coverage
    • 12.4 Specified Causes of Loss
    • 12.5 Towing Coverage
    • 12.6 Transportation Expenses
    • 12.7 Physical Damage Exclusions
    • 12.8 Deductible
    • 12.9 Limit of Insurance
    • 12.10 Summary
    • Chapter 12 Quiz
  • 13
    13. Commercial Liability: Introduction
    • 13.1 Overview
    • 13.2 Definitions
    • 13.3 Two Types of Law
    • 13.4 Property Owner Responsibility
    • 13.5 Parties Involved
    • 13.6 Liability Exposures
    • 13.7 Summary
    • Chapter 13 Quiz
  • 14
    14. Commercial Liability: General Liability Policy
    • 14.1 The Declarations Page
    • 14.2 Policy Conditions
    • 14.3 Coverage Forms
    • 14.4 Summary
    • Chapter 14 Quiz
  • 15
    15. Commercial Liability: The Coverages
    • 15.1 Coverage A – Bodily Injury and Property Damage Liability
    • 15.2 Coverage A – Features Applicable to the Claims Made Form Only
    • 15.3 Coverage A – Exclusions
    • 15.4 Coverage B – Personal and Advertising Injury Liability 
    • 15.5 Coverage B – Features Applicable to the Claims Made Form Only
    • 15.6 Coverage B – Exclusions
    • 15.7 Coverage C – Medical Payments
    • 15.8 Coverage C – Exclusions
    • 15.9 Coverage A and B – Supplementary Payments
    • 15.10 Summary
    • Chapter 15 Quiz
  • 16
    16. Commercial Liability: Insured Designation, Limits, and Conditions
    • 16.1 Who is an Insured?
    • 16.2 Insurance Limits
    • 16.3 Conditions of Commercial General Liability Policies
    • 16.4 Extended Reporting Periods – Claims Made Form Only
    • 16.5 Summary
    • Chapter 16 Quiz
  • 17
    17. Commercial Umbrella Insurance: Introduction
    • 17.1 Overview
    • 17.2 The Role of Commercial Umbrella Insurance
    • 17.3 Umbrella Coverage Terminology
    • 17.4  How the Coverage Works
    • 17.5  Underlying Limits and Risks
    • 17.6   Maintaining Underlying Insurance
    • 17.7 Summary
    • Chapter 17 Quiz
  • 18
    18. Commercial Umbrella Insurance: The Structure of an Umbrella Policy
    • 18.1   The Declarations
    • 18.2  Common Policy Conditions
    • 18.3 The Schedule of Underlying Insurance
    • 18.4 The Policy Coverage Form
    • 18.5 The Coverages
    • 18.6 Who is an Insured?
    • 18.7 Limits of Insurance
    • 18.8 Conditions
    • 18.9 Summary
    • Chapter 18 Quiz
  • 19
    19. Ethical Practices: Why Ethics Matter
    • 19.1 Overview
    • 19.2 Values of Ethics
    • 19.3 Components of an Ethical System
    • 19.4 Ethics and Success
    • 19.5 Purpose of a Code of Ethics
    • 19.6 Ethics in the Workplace Statistics
    • 19.7 Hallmarks of an Ethical Culture
    • 19.8 Summary
    • Chapter 19 Quiz
  • 20
    20. Ethical Practices: Understanding Legal Requirements
    • 20.1 Overview
    • 20.2 Legal Regulations
    • 20.3 Unfair Trade Practices
    • 20.4 Six Principles of Insurance
    • 20.5 The Importance of an Agency Relationship
    • 20.6 Mandatory Licensing and Education Training
    • 20.7 Legal Sanctions for Transgressions
    • 20.8 Summary
    • Chapter 20 Quiz
  • 21
    21. Ethical Practices: Internal Benefits - For Employees and the Company
    • 21.1 Overview
    • 21.2 Code of Ethics vs. Code of Conduct
    • 21.3 Prevents Discrimination and Harassment
    • 21.4 Mitigates Employee Conflicts
    • 21.5 Structures Pay and Promotions
    • 21.6 Serves as Point of Reference for Corrective Action
    • 21.7 Demonstrates Corporate Responsibility
    • 21.8 The Fiduciary Relationship Between Agents, Companies and Clients
    • 21.9 Summary
    • Chapter 21 Quiz
  • 22
    22. Ethical Practices: External Benefits | Client Relations
    • 22.1 Overview
    • 22.2 Honesty and Transparency
    • 22.3 Fairness 
    • 22.4 Competence
    • 22.5 Confidentiality
    • 22.6 Ethics and Working with the Senior Market
    • 22.7 Respecting Others
    • 22.8 Summary
    • Chapter 22 Quiz
  • 23
    23. Ethical Practices: Writing a Code of Ethics
    • 23.1 Overview
    • 23.2 Benefits of Defining a Business Code of Ethics
    • 23.3 Writing Style and Organization
    • 23.4 Determining Content
    • 23.5 Advice on Developing a Code of Ethics
    • 23.6 Write it Down
    • 23.7 Sample Codes of Ethics
    • 23.8 Summary
    • Chapter 23 Quiz
  • 24
    Exam
    • Final Exam

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