Coming Soon

Expected availability announced soon

This course is in active development. Preview the scope below and create a free account to be notified the moment it goes live.

Notify me

Continuing Education Coming Soon

CE Property Casualty Insurance

Participants master homeowners, personal auto, commercial general liability, business owners, and workers compensation policies, learning to interpret coverage forms, explain provisions, spot gaps, and recommend appropriate solutions.

Who Should Take This

Licensed property and casualty producers with at least one year of experience who need to maintain continuing education credits will benefit. The course equips agents, brokers, and risk managers to confidently analyze policy details, identify coverage deficiencies, and advise clients on optimal protection strategies.

What's Included in AccelaStudy® AI

Adaptive Knowledge Graph

Practice Questions

Lesson Modules

Console Simulator Labs

Exam Tips & Strategy

20 Activity Formats

Course Outline

62 learning goals

1 Homeowners Insurance

2 topics

HO policy forms and coverage

Identify the standard homeowners policy forms including HO-3 special form, HO-5 comprehensive, HO-6 condominium, HO-4 renters, and HO-8 modified coverage.
Describe Coverage A dwelling and Coverage B other structures provisions including valuation methods, coverage extensions, and limitations on secondary structures.
Explain Coverage C personal property provisions including special limits of liability, property away from premises, and the distinction between named perils and open perils forms.
Describe Coverage D loss of use provisions including additional living expense, fair rental value, prohibited use, and civil authority coverage triggers.
Explain Coverage E personal liability and Coverage F medical payments to others including per occurrence and per person limits, exclusions, and coverage territory.
Analyze homeowners policy scenarios to identify coverage gaps, applicable exclusions, and appropriate endorsements needed to address specific risk exposures.

Homeowners endorsements and valuation

Identify common homeowners endorsements including scheduled personal property, water backup, personal injury, home business, and earthquake coverage.
Describe the distinction between replacement cost, actual cash value, and functional replacement cost valuation methods for dwelling and personal property.
Synthesize a homeowners coverage recommendation addressing dwelling valuation, personal property needs, liability limits, and endorsement selections for a specific client scenario.

2 Personal Auto Policy

1 topic

PAP coverage parts

Identify the coverage parts of the personal auto policy including Part A liability, Part B medical payments, Part C uninsured motorist, and Part D physical damage.
Describe Part A liability coverage including split limits versus combined single limit, covered autos, insured persons, and out-of-state coverage provisions.
Explain uninsured and underinsured motorist coverage including triggering conditions, stacking provisions, arbitration requirements, and rejection options.
Describe collision and other-than-collision coverage including deductible options, transportation expenses, and the valuation of total loss settlements.
Analyze personal auto coverage scenarios to identify applicable coverage parts, determine insured status, and evaluate whether exclusions limit recovery.
Synthesize a personal auto insurance recommendation addressing liability limits, UM/UIM selection, deductible choices, and optional coverage endorsements.

3 Commercial General Liability

1 topic

CGL coverage and triggers

Identify the coverage parts of a CGL policy including Coverage A bodily injury and property damage, Coverage B personal and advertising injury, and Coverage C medical payments.
Describe the distinction between occurrence and claims-made CGL forms including retroactive dates, extended reporting periods, and tail coverage provisions.
Explain common CGL exclusions including expected or intended injury, contractual liability, pollution, professional liability, and employer's liability.
Describe additional insured endorsements including who qualifies, types of endorsements, and the coverage provided to additional insureds versus named insureds.
Analyze CGL coverage scenarios to determine whether claims are covered, which coverage part applies, and whether exclusions preclude recovery.

4 Business Owners Policy

1 topic

BOP coverage and eligibility

Identify the eligible classes and size requirements for business owners policies and the coverages automatically included in the standard BOP form.
Describe BOP property coverage including building, business personal property, business income, extra expense, and standard coverage extensions.
Explain BOP liability coverage including the CGL-equivalent provisions, medical payments, and how BOP liability differs from a standalone CGL policy.
Analyze a small business risk exposure to determine whether a BOP provides adequate coverage or whether standalone commercial policies are more appropriate.

5 Workers Compensation

1 topic

Workers comp coverage and rating

Identify the two parts of a workers compensation policy: Part One statutory workers compensation and Part Two employers liability with their respective coverages.
Describe experience modification rating including calculation methodology, impact on premiums, and how loss history affects modification factors.
Explain workers compensation classification systems including class codes, payroll basis, and the audit process for final premium determination.
Analyze a business's workers compensation program to identify cost reduction opportunities through safety programs, return-to-work initiatives, and claims management.
Synthesize a workers compensation risk management program addressing loss prevention, claims management, experience modification improvement, and alternative financing.

6 Umbrella and Excess Liability

1 topic

Umbrella coverage features

Identify the distinction between umbrella and excess liability policies including coverage breadth, drop-down provisions, and self-insured retention requirements.
Describe umbrella policy provisions including following form coverage, defense cost treatment, underlying insurance requirements, and maintenance of underlying limits.
Analyze umbrella coverage scenarios to determine when the umbrella responds, whether drop-down coverage applies, and how the self-insured retention is satisfied.

7 Inland Marine Insurance

1 topic

Inland marine coverage types

Identify common inland marine coverage types including commercial articles, contractors equipment, builders risk, transit coverage, and electronic data processing.
Describe builders risk insurance including coverage triggers, covered property, named insured options, and the distinction from standard commercial property coverage.
Explain contractors equipment coverage including scheduled versus blanket approaches, valuation methods, rental reimbursement, and coverage territory considerations.
Analyze a contractor's equipment and project exposures to recommend appropriate inland marine coverage including builders risk, equipment floaters, and installation coverage.

8 Coverage Triggers and Policy Interpretation

1 topic

Trigger theories and interpretation

Identify the coverage trigger theories used in insurance including occurrence, claims-made, manifestation, exposure, and continuous trigger.
Describe the claims-made policy provisions including retroactive date, prior acts coverage, extended reporting period, and the impact of policy changes on coverage continuity.
Explain policy interpretation principles including the doctrine of reasonable expectations, ambiguity construction against the insurer, and the interplay between policy language and endorsements.
Analyze loss scenarios to determine which policy year and trigger theory applies and how coverage responds across multiple policy periods.

9 Common Exclusions and Conditions

2 topics

Exclusions across policy types

Identify the common exclusions found across property and casualty policies including intentional acts, war, nuclear hazard, government action, and wear and tear.
Describe pollution exclusions across policy types including absolute pollution, total pollution, and limited pollution buyback provisions.
Explain the professional liability exclusion in CGL policies and the need for separate professional liability or errors and omissions coverage for professional services.
Analyze exclusion language in property and casualty policies to determine whether specific loss scenarios are excluded and whether endorsements can restore coverage.

Policy conditions and duties

Identify common policy conditions including notice of loss, cooperation, examination under oath, proof of loss, and appraisal provisions.
Describe the subrogation condition and how it allows insurers to recover from responsible third parties after paying a covered loss.
Explain other insurance provisions including pro rata, excess, and primary coverage coordination methods when multiple policies cover the same loss.
Synthesize a commercial insurance program review identifying coverage overlaps, gaps, and coordination issues across property, liability, umbrella, and specialty policies.

10 Commercial Property Insurance

1 topic

Commercial property forms and coverage

Identify the commercial property coverage forms including basic, broad, special, and causes of loss forms with their covered perils.
Describe building and business personal property coverage including covered property, coverage extensions, and additional coverages provided in the commercial property form.
Explain business income and extra expense coverage including coverage triggers, period of restoration, extended period of indemnity, and civil authority provisions.
Describe the coinsurance condition including penalty calculation, agreed value endorsement, and the impact of underinsurance on loss recovery.
Analyze a commercial property exposure to identify appropriate coverage forms, limits, valuation methods, and coinsurance requirements.
Synthesize a commercial property insurance program addressing building coverage, business personal property, business income, and specialty endorsements for a specific business.

11 Commercial Auto Insurance

1 topic

Business auto coverage

Identify the covered auto designation symbols in the business auto policy including any auto, owned autos, hired autos, and non-owned autos.
Describe business auto liability coverage including covered auto designations, who is insured, and the interaction with personal auto policies for employee-owned vehicles.
Explain hired and non-owned auto liability coverage including when employers need this coverage and how it coordinates with employees' personal auto policies.
Analyze a business auto exposure to recommend appropriate covered auto designations, liability limits, and physical damage coverage selections.

12 Cyber Liability Insurance

1 topic

Cyber coverage and exposures

Identify the first-party and third-party coverage components of cyber liability insurance including data breach response, business interruption, and liability defense.
Describe common cyber policy exclusions including acts of war, infrastructure failure, unencrypted portable devices, and prior known events.
Analyze a business's cyber risk exposure to recommend appropriate cyber liability coverage limits, sublimits, and retention levels.
Synthesize a cyber risk insurance program addressing first-party breach costs, third-party liability, regulatory defense, and business interruption coverage.

Scope

Included Topics

Homeowners insurance forms including HO-3, HO-5, HO-6, HO-4, and HO-8 with coverage sections, additional coverages, and endorsement options.
Personal auto policy including liability, medical payments, uninsured/underinsured motorist, collision, comprehensive, and other-than-collision coverages.
Commercial general liability insurance including occurrence versus claims-made forms, coverage triggers, exclusions, and additional insured endorsements.
Business owners policy including eligible classes, property coverage, liability coverage, and optional endorsements for small and mid-size businesses.
Workers compensation insurance including statutory coverage, employers liability, experience modification rating, and return-to-work programs.
Umbrella and excess liability insurance including following form provisions, self-insured retention, drop-down coverage, and coverage breadth differences.
Inland marine insurance including commercial articles, contractors equipment, builders risk, and transportation coverage for property in transit.
Coverage triggers and policy interpretation including occurrence, claims-made, discovery, and manifestation triggers with their coverage implications.
Common policy exclusions including intentional acts, business pursuits, professional liability, pollution, and war and terrorism exclusions.
Personal and commercial lines endorsements that modify standard coverage including scheduled property, liability extensions, and coverage restrictions.

Not Covered

Life insurance, health insurance, annuity, or disability income products covered in separate continuing education domains.
Surplus lines and specialty insurance markets beyond standard admitted market property and casualty products.
Detailed actuarial rating, loss reserve calculations, or reinsurance treaty structures beyond producer-level understanding.
Claims investigation techniques, litigation management, or expert witness procedures beyond coverage analysis.
Ocean marine, aviation, or spacecraft insurance beyond awareness of specialized coverage categories.

CE Property Casualty Insurance is coming soon

Adaptive learning that maps your knowledge and closes your gaps.

Create Free Account to Be Notified