CLCS

COMMERCIAL LINES COVERAGE SPECIALIST

The CLCS Commercial Lines Coverage Specialist designation program was created with the learning needs of new insurance producers, agents, managers, CSRs and corporate staff in mind, it is the most complete professional learning program available for industry professionals seeking to master the subject of commercial lines coverage.

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The CLCS Commercial Lines Coverage Specialist Designation Program

National Underwriter is proud to offer the CLCS COMMERCIAL LINES COVERAGE SPECIALIST designation program. Created with the learning needs of new insurance producers, agents, managers, CSRs and corporate staff in mind, the CLCS COMMERCIAL LINES COVERAGE SPECIALIST curriculum is the most complete professional learning program available for industry professionals seeking to master the subject of commercial lines coverage. The program was created by the staff of the renowned FC&S Expert Coverage Interpretation and features detailed course content enhanced with real-life case study exercises.

Students completing the CLCS program have demonstrated extensive knowledge in a critical functional area of property and casualty insurance practice-insurance policy coverage-and will have applied that knowledge in real-life case study exercises.

Eligibility

One of the following qualifications is recommended for an individual to be eligible for the CLCS COMMERCIAL LINES COVERAGE SPECIALIST designation:

Benefits of Attaining the CLCS Designation

Curriculum

The CLCS COMMERCIAL LINES COVERAGE SPECIALIST curriculum is based on the most important document in the insurance industry: the insurance policy. The curriculum is presented through four Coverage Guides and five Elearning programs. Materials are adapted from expert insurance coverage materials produced by the staff of FC&S Expert Coverage Interpretation and Coverage Guide Series.

Program Completion

Eligible candidates can earn the CLCS designation through a self study program through National Underwriter or through an authorized instructional academy. Your CLCS COMMERCIAL LINES COVERAGE SPECIALIST certificate will be mailed to the address you provide on your Request Form. Please allow 5 to 7 business days. processing.

SELF STUDY

AUTHORIZED INSURANCE ACADEMY

Curriculum Outline

I. Study Guide

The National Underwriter Company has long been recognized as the industry’s most authoritative coverage expert. The FC&S Bulletins, Coverage Guide Series and other publications are relied upon through the industry to check coverage knowledge, by insurers, claims people, producers and more. After all, coverage is what we sell and service. The Coverage Specialist
designation programs were born of a desire to provide a way for dedicated professionals to grow their expertise with the key lines of business in both personal and commercial lines. Whether new to the industry or seasoned professional, coverage is a topic that is constantly in flux, requiring a deep level of expertise.

II. Insurance Coverage Fundamentals

The National Underwriter Company has long been recognized as the industry’s most authoritative coverage expert. The FC&S Bulletins, Coverage Guide Series and other publications are relied upon through the industry to check coverage knowledge, by insurers, claims people, producers and more. After all, coverage is what we sell and service. The Coverage Specialist
designation programs were born of a desire to provide a way for dedicated professionals to grow their expertise with the key lines of business in both personal and commercial lines. Whether new to the industry or seasoned professional, coverage is a topic that is constantly in flux, requiring a deep level of expertise.

III. Commercial Lines Insurance Policies
  1. The Business Auto Policy
    1. Eligibility and rules
    2. Coverage symbols
    3. Liability coverage
    4. Physical damage coverage
    5. Policy conditions
    6. Policy definitions
    7. Medical payments coverage
    8. Nonownership coverage
    9. Auto leasing and rental endorsements
    10. Drive-other-car endorsements
    11. Common endorsements
    12. Case studies
  2. The Commercial Property Program: the building and personal property coverage form and other commercial property program policies
  3. The Commercial General Liability (CGL) Policy
    1. Bodily injury and property damage liability
    2. Personal and advertising injury liability
    3. Medical payments coverage
    4. Managing the claims-made trigger
    5. General provisions
    6. Endorsements
    7. Case studies
  4. The Workers Compensation Policy
    1. Workers compensation insurance
    2. Employers liability insurance
    3. Other states insurance
    4. Duties after injury and other conditions
    5. Policy endorsements
    6. Nonprivate insurance
    7. Federal WC coverage
    8. Premium
    9. Experience rating
    10. Financial plans
    11. Cost management issues
    12. Issues in workers compensation
    13. Case studies