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40 Hour 2-20 General Lines Agent Course

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WELCOME TO FLORIDA INSURANCE COLLEGE

Florida Insurance College 1425 West SR 434 - Suite 113 Longwood, FL 32750 866-506-0139 info@floridainsurancecollege.com

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Florida 2-20 Property & Casualty General Lines licensing in only 40 hours from the comfort of home. This 100% online General Lines Property & Casualty course offers the fastest, most affordable and convenient way to become a licensed Property & Casualty General Lines Agent if you have had at least one (1) year of responsible insurance duties as a licensed and appointed Customer Representative (4-40), or a Personal Lines Agent (20-44), or a Service Representative (0-55). This course fulfills all coursework needed to obtain your 2-20 Property & Casualty General Lines license.The 28th edition of the FAIA study manual drives the course content and can be purchased by contacting the FAIA at (850) 893-41555.. Student's have unlimited access to the course and the course final exam can be taken up to five times.

Exam Prep Materials: Free Electronic Flash Cards
Exam Prep Materials: Free SmartNotes – Exam Cram Manual

Course Provider: Florida Insurance College
FLDFS Provider #: 371609
Course Approval #: 106018
Course Offering ID#1093456

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Course Content

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40 Hour 2-20 Conversion Course

Welcome Letter for the 40 Hour 2-20 Conversion Course

Course Introduction for the 40 Hour 2-20 Conversion Course

Unit One: General Information

2-20 Introduction – Unit One

Preparing For The State License Exam

Study Suggestions

Qualifications Required for a General Lines License

Qualifications Required For A Personal Lines Agent

Qualifications Required For A Customer Representative License

Duties and Functions of the Department of Financial Services

2-20 End of Unit One

Unit Two - Property and Liability Insurance Concepts

2-20 Introduction – Unit Two

What Is An Insurance Policy

Property and Liability Insurance

Insurance Contract Characteristics 5 Topics

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Personal Contracts

Conditional Contracts

Contracts of Adhesion

Indemnity Contracts

Insurable Interest

Property Insurance Concepts 21 Topics

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Perils and Hazards

Proximate Cause

Direct vs. Indirect Loss

Lender Interest

Loss Settlement Valuations

Replacement Cost Valuation

Salvage Value Example

Agreed Value Valuation

Florida’s Valued Policy Law

Coinsurance Example One

Coinsurance Example Two

Specific vs. Blanket Insurance

Straight Deductible Example

Percentage Deductible

Percentage Deductible Example One

Percentage Deductibles Declarations Page Review

Franchise Deductibles

Franchise Deductible Example

Damages, Deductibles, and Coverage

Liability Insurance Concepts 4 Topics

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Insuring Agreement and Policy Limits

Legal Liability, Negligence, Occurrence defined

Comparative Negligence

Insurance Policy Conditions 11 Topics

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Insured’s Duties Following Loss

Property Insurance – Duties Following Loss

Liability Policies – Duties Following Loss

Assignment, Changes, Policy Period, and Policy Territory

Other Insurance

Primary, Excess, Equal Shares, and Cancellation

Abandonment and Severability

Bases For Insurer Avoidance Of Performance 8 Topics

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Misrepresentation

Avoidance Under The Florida Statutes

Vacancy and “Unoccupancy”

Burglary, Robbery, Theft, and Mysterious Disappearance

2-20 End of Unit Two

Unit Three - Personal Automobile

2-20 Introduction – Unit Three

Financial Responsibility 3 Topics

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Financial Responsibility – Satisfaction of the Law

Non-Satisfaction of the Law and Remedy

No-Fault 20 Topics

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No-Fault Definitions

No-Fault Requirements for Non-Residents

No-Fault Penalties

No-Fault’s Required PIP Benefits

No-Fault’s Required PIP Benefits (continued)

No-Fault’s Other Requirements

PIP Deductibles

No-Fault, Primary or Excess?

No-Fault’s PIP Benefits: Injuries to Named Insured

No-Fault’s PIP Benefits – Injuries to Residing Relatives

No-Fault’s PIP Benefits – Other Than Residing Relatives

No-Fault’s PIP Benefits: General Explanation

Instances When the No-Fault Law Has No Application

No-Fault’s Exclusions

No-Fault’s Tort Exemption

The No-Fault Tort Exemption (vehicle vs. person)

When the exemption is “to the extent PIP was paid or payable…”

Financial Responsibility Law Questions

Personal Auto Policy 1 Topic

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Personal Auto Policy Sections

PAP Declarations

PAP Definitions 5 Topics

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PAP Definitions “your covered auto”

PAP Definitions “newly acquired auto”

PAP Definitions “newly acquired auto” (continued)

Physical Damage Coverage “newly acquired auto”

PAP Definition Questions

Part A – Liability Coverage 5 Topics

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Notes from the General Lines Manual

Part A – Liability Coverage: Who Is Insured?

Liability Coverage Exclusions

Part A – Liability Limits

Part B – Medical Payments 2 Topics

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Medical Payments Exclusions

Medical Payments – How Losses Are Paid

Part C – Uninsured Motorists Coverage 5 Topics

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UMBI “Stacked” Coverage

Non-Stacked Coverage

Uninsured Motorists (UM) Coverage

What UM Coverage Does NOT Pay For

Uninsured Motorists Questions

Part D – Coverage For Damage To Your Auto 5 Topics

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“non-owned autos” & “hired autos”

Collision and Other than Collision Coverages

Transportation Expenses

Part D Exclusions

Personal Auto Parts A, B, C, and D Questions

Parts E and F – Other Provisions 2 Topics

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Policy Period and Territory

Parts E and F – Other Provisions Questions

Endorsements 1 Topic

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PAP Endorsements Questions

Rating and Risk Factors 1 Topic

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PAP Rating Questions

Miscellaneous Florida Automobile Laws 14 Topics

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Cancellation and Non-Renewal

Cancellation after 60 Days of a New Policy

Requirements for a Cancellation Notice

Unfair Trade Practices

Information Disclosure to Claimants

Glass Breakage – Deductibles

Treatment of Motorcycles

Responsibility for Minors Operating Motor Vehicles

Inspection Requirements for Coverage

Waiver for Inspection

Florida Automobile Joint Underwriting Association

Florida Automobile Joint Underwriting Association (continued)

FAJUA – Available Coverages

Miscellaneous Florida Automobile Laws Questions

Mechanical Breakdown Insurance

2-20 End of Unit Three

Unit Four - Homeowners, Dwelling, and Related Coverages

2-20 Introduction – Unit Four

Homeowners Insurance 7 Topics

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Eligibility Requirements

Private Residential Occupancy – Homeowners Policy

Definition of an Insured – Homeowners Policy

Ineligible As A Named Insured – Homeowners Policy

Forms Available – Homeowners Policy

How Homeowners Insurance Premiums Are Rated

Deductibles – Homeowners Policy

Section I – Property Coverage 12 Topics

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Coverage A – Dwelling – Homeowners Policy

Coverage B – Other Structures – Homeowners Policy

Coverage C – Personal Property – Homeowners Policy

Coverage C Exclusions – Homeowners Policy

Coverage D – Loss of Use

Limits – Homeowners Policy

Specific Limits on Personal Property – Homeowners Policy

Additional Coverages – Homeowners Policy

Table: Perils Insured Against, a.k.a. Covered Causes of Loss

HO-2 Named Perils – Homeowners Policy

General Exclusions – Homeowners Policy

Loss Settlement Conditions – Homeowners Policy

Section II – Liability Coverage 6 Topics

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Coverage E – Liability – Homeowners Policy

Coverage F – Medical Payments to Others

“Insured Locations” – Homeowners Policy

Exclusions – Homeowners Policy

Additional Coverages

Limits of Liability – Section II

General Conditions 2 Topics

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General Conditions – Windstorm

General Conditions – Cancellation

Endorsements 2 Topics

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Section I Options to Broaden Coverage

Section II Optional Endorsements

Dwelling Program 19 Topics

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Declarations Page

Dwelling Fire Coverages

Coverage A — Dwelling

Coverage B — Other Structures

Coverage C — Personal Property

Coverage D — Fair Rental Value

Coverage E — Additional Living Expenses

General Exclusions

Basic Form DP-1 — Other Coverages

Perils Insured Against

DP-1 Conditions

Cancellation/Non-Renewal

Broad Form DP-2

Broad Form DP-2 – Other Coverages

Special Form DP-3

Summary of Differences

Dwelling Fire Policy – Options

Flood 11 Topics

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Flood Insurance (continued)

Eligible Community defined

NFIP Emergency Program

NFIP Regular Program

Eligible Buildings

Eligible Contents

Insurance Forms Available

Preferred Risk Policy (PRP)

General Property Form

Residential Condominium Building Association Policy Form (RCBAP)

Valuation of Losses

Personal Liability

Inland Marine Insurance 1 Topic

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Nationwide Definition

Personal Inland Marine Policies 9 Topics

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Personal Articles Floater

Musical Instruments

Golfer’s Equipment

Stamps and Coin Collections

Excess Liability/Umbrellas

2-20 End of Unit Four

Unit Five - Commercial Auto

Introduction – Unit Five

Business Auto Policy

Business Auto Coverage Form

Garage Insurance

2-20 End of Unit Five

Unit Six - Commercial Property

2-20 Introduction – Unit Six

Commercial Property Insurance

The Commercial Property Contract

Building and Personal Property Coverage Form

Builders Risk Coverage Form

Business Income Coverage Forms

Extra Expense Coverage Form

Leasehold Interest Coverage Form

Legal Liability Coverage Form

Condominium Coverage Forms

Causes Of Loss Forms – General

Causes Of Loss – Basic Form

Causes of Loss – Broad Form

Causes Of Loss – Special Form

Terrorism Risk Insurance Act (TRIA)

2-20 End of Unit Six

Unit Seven - General Liability

2-20 Introduction – Unit Seven

The CGL Contract

Coverage A – Bodily Injury And Property Damage Insuring Agreement

Coverage B – Personal And Advertising Injury

Coverage C – Medical Payments

Supplementary Payments

Limits Of Insurance

Miscellaneous Forms Of General Liability Insurance

Excess Liability/Umbrellas

Professional Liability Insurance

Employment-Related Practices Liability (EPL)

Cyber Liability Insurance

2-20 End of Unit Seven

Unit Eight - Commercial Package Policies

2-20 Introduction – Unit Eight

Commercial Package Policies

Commercial Package Policy

Businessowners Policy

2-20 End of Unit Eight

Unit Nine - Workers' Compensation

2-20 Introduction – Unit Nine

Summary Of The Law

Employers And Employees

Penalties For Non-Compliance

Injuries Covered

Compensation (Benefits)

Medical Expenses

Disability Benefits

Miscellaneous Law Provisions

Workers’ Compensation And Employers Liability Insurance Policy

2-20 End of Unit Nine

Unit Ten - Crime

2-20 Introduction – Unit Ten

Crime And Employee Dishonesty Insurance

Commercial Crime Forms

Primary Insuring Agreements

Additional Insuring Agreements Available By Endorsement

Discovery vs. Loss Sustained Coverage

Other Crime Coverage Provisions

2-20 End of Unit Ten

Unit Eleven - Surety Bonds

2-20 Introduction – Unit Eleven

Suretyship vs. Insurance

Parties To A Bond

The Bonding Process

Contract Bonds 1 Topic

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Contract Bond Questions

Fiduciary And Court Bonds 1 Topic

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Fiduciary and Court Bond Questions

License And Permit Bonds 1 Topic

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License and Permit Bonds Questions

Miscellaneous Bonds 1 Topic

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Miscellaneous Bonds Questions

2-20 End of Unit Eleven

Unit Twelve - Marine

2-20 Introduction – Unit Twelve

Inland Marine Insurance

Commercial Inland Marine Policies 6 Topics

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Domestic Shipments

Commercial Inland Marine Policies (continued)

Commercial Property Floater Risks — Equipment Floaters

Commercial Property Floater Risks — Business Floaters

Commercial Property Floater Risks – Dealers Policies

Inland Marine Questions

Rating (Inland Marine)

Ocean Marine Insurance 2 Topics

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Other Ocean Marine Policy Clauses and Definitions

Ocean Marine Questions

2-20 End of Unit Twelve

Unit Thirteen - Aviation

2-20 Introduction – Unit Thirteen

Aircraft Hull Policies

Aircraft Liability Coverages

Admitted Aircraft Liability Coverage

Medical Payments Coverage

Special Aviation Insurance Coverages

Hull and Liability Exclusions

Underwriting Considerations

Aviation Learning Activities

2-20 End of Unit Thirteen

Unit Fourteen - Boiler and Machinery/Equipment Breakdown

2-20 Introduction – Unit Fourteen

Boiler And Machinery Policy

Boiler And Machinery Coverage Form

Objects Definitions Forms

Indirect Loss Coverage Endorsements

Miscellaneous Options

Small Business Forms

2-20 End of Unit Fourteen

Unit Fifteen - Health

2-20 Introduction – Unit Fifteen

General Policy Provisions 2 Topics

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Coverage Continuation Provisions

Other General Provisions

Application (Health)

Types of Health Insurance Policies

Hospitalization Expense Insurance

Hospital Indemnity Insurance

Accident Insurance

Surgical Expense Insurance

Physicians Coverage

Major Medical Insurance

Disability Income Insurance

Medicare Supplement Insurance

Health Maintenance Organizations

Preferred Provider Organizations

2-20 End of Unit Fifteen

Unit Sixteen - Residual Markets

2-20 Introduction – Unit Sixteen

Florida Automobile Joint Underwriting Association (FAJUA)

Citizens Property Insurance Corporation

Florida Workers’ Compensation Joint Underwriting Association (FWCJUA)

2-20 End of Unit Sixteen

Unit Seventeen - Florida Statutes and Rules

2-20 Introduction – Unit Seventeen

Unauthorized Insurance Entities 4 Topics

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Union Plans and PEOs

Possible Consequences for Aiding and Abetting an Unauthorized Insurer

Possible Consequences for Acting as an Insurer without a Proper License

Ethics 3 Topics

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Ethics (part 2)

Ethics (part 3)

Ethics (conclusion)

Insurance Discounts for Wind Mitigation 6 Topics

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Roof Shapes – Gable Roof

Roof Coverings and Roof Decking

Roof Deck Attachment

Roof to Wall Connection

Opening Protection

Wind Mitigation Conclusion

Florida Insurance Guaranty Association (FIGA)

Surplus Lines 3 Topics

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Surplus Lines – Why Do They Exist

Surplus Lines – The Market Premise

Eligibility for export – “exportable”

Homeowners Claims Bill Of Rights

Premium Financing

Selected Florida Statutes 32 Topics

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Financial Service Commission

Chief Financial Officer

Office of Financial Regulation

Office of Insurance Regulation

Department of Financial Services (DFS)

DFS Agent and Adjuster Licensing

DFS Consumer Services

DFS Insurance Fraud

DFS Receivership

DFS Unclaimed Property

Office of Insurance Regulation (OIR)

OIR General Duties and Powers

OIR Policy Approval Authority

OIR Market Conduct Examinations

OIR Agency Actions and Investigations Unit

Office of Financial Regulation (OFR)

OFR Investigations

Select Topics – Catastrophic Ground Collapse & Sinkholes

Select Topics – Hurricane “Occurrence”

Select Topics – Fungi

Select Topics – Loss Assessment (HO-6)

Select Topics – Additional Perils (HO-2,3,4,6) revisted

Select Topics – Watercraft

Select Topics – Windstorm

Select Topics – Fair Credit Reporting Act

Select Topics – Privacy Protection (Gramm-Leach-Bliley Act)

Select Topics- Terrorism Risk Insurance Act (TRIA)

Select Topics – Motorcycles

Select Topics – Responsibility for Minors Operating Motor Vehicles

Select Topics – Motor Vehicle Inspection for Coverage

Select Topics – Comparative Negligence

2-20 End of Unit Seventeen