The National Underwriter Company is proud to offer the 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 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 Bulletins.

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 required for an individual to be eligible for the Commercial Lines Coverage Specialist (CLCS) designation:
  • Licensed agent, broker, adjuster, CSR or solicitor
  • At least one years of full-time experience in the insurance industry or as a risk     management practitioner
  • Students of insurance academies authorized to confer the CLCS designation

Benefits

Holders of the CLCS designation enjoy the following benefits:
  • Holders of the industry’s only coverage-specific designation have demonstrated     advanced coverage expertise and career professionalism
  • Complete reference set of Commercial Lines Coverage Guides by the editors of
    The National Underwriter Company’s FC&S Bulletins
  • Industry recognition for advanced knowledge
  • Membership in the Coverage Specialist Council, an elite group of industry professionals     offering exclusive networking and access to additional professional development     resources
  • Optional CE credits are available through completion of program courses

The CLCS 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 e-Learning programs. Materials are adapted from expert insurance coverage materials produced by the staff of The FC&S Bulletins and Coverage Guide Series.

Program Completion

Eligible candidates can earn the CLCS designation through a self study program through The National Underwriter Company or through an authorized instructional academy.

Self-Study
  • Step 1: Score of 70% or better on each of the following CLCS Coverage Exams:
      1. Business Auto (CD, Coverage Guide & Online Exam)
      2. CGL (CD, Coverage Guide & Online Exam)
      3. Commercial Property (CD, Coverage Guide & Online Exam)
      4. Insurance Principles (CD & Online Exam)
      5. Workers Compensation (CD, Coverage Guide & Online Exam)
  • Step 2:Complete a Request for CLCS Designation form
  • Step 3: Mail the completed form with copies of the Results Page from each of the four Coverage Exams to:

  • Your CLCS certificate will be mailed to the address you provide on your Request Form.     Please allow 5 to 7 business days for processing.

Authorized Insurance Academy
  • Step 1: Register as a student with an authorized insurance academy
  • Step 2: Complete the course of study as required by the provider, including satisfactory
    scores on program examinations
  • Step 3: The authorized provider will provide you with a Request for CLCS Designation
    Form upon satisfactory completion of the course of study, and will forward the form to
    The National Underwriter Company
  • Your CLCS certificate will be mailed to the address you provide on your Request Form.
     Please allow 5 to 7 business days for processing

Commercial Lines Coverage Specialist (CLCS) Curriculum Outline
I. Study Guide

II. Insurance Coverage Fundamentals
    A. Coverage principles
        1. The definition of insurance
        2. What is Risk?
        3. Criteria of an ideally insurable exposure
        4. The concept of insurable interest

    B. Insurance contract principles
        1. The unique characteristics of an insurance contract
        2. The principle of indemnity
        3. Utmost good faith
        4. Parts of the insurance contract: coverage grants; conditions; exclusions and
             endorsements
        5. Purpose and use of the Declarations Page
        6. Analyzing the insurance contract

III. Commercial Lines Insurance Policies
    A. 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

    B. The Commercial Property Program:
         the building and personal property coverage form and other commercial property
        program policies

    C. 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

    D. 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