4-40 RCSR/ 6-20 ACA Core Material - Florida Insurance College

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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

Coinsurance Example One

Coinsurance Example Two

Specific vs. Blanket Insurance

Deductibles

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

Damages

Insurance Policy Conditions 11 Topics

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Insured’s Duties Following Loss

Property Insurance – Duties Following Loss

Liability Policies – Duties Following Loss

Subrogation

Assignment, Changes, Policy Period, and Policy Territory

Other Insurance

Pro-Rata Share

Primary, Excess, Equal Shares, and Cancellation

Liberalization

Appraisal

Abandonment and Severability

Bases For Insurer Avoidance Of Performance 8 Topics

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Warranty

Misrepresentation

Concealment

Avoidance Under The Florida Statutes

Cancellation

Non-Renewal

Vacancy and “Unoccupancy”

Burglary, Robbery, Theft, and Mysterious Disappearance

End of Unit Five 1 Assessment

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ACA Quiz 5 – Insurance Principles & Concepts

Micellaneous Basic Florida Insurance Laws

Insurance Defined

Insurance Transaction

Stock and Mutual Insurance Companies

Domestic, Foreign, and Alien Insurer Defined

Reinsurance

Certificate of Authority

Authorized and Unauthorized Companies

Admitted and Not-Admitted Companies

Unauthorized Insurance Entities

Possible Consequences for Aiding and Abetting an Unauthorized Insurer

Possible Consequences for Acting as an Insurer without a Proper License

Selected Topcs 11 Topics

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Florida Insurance Guaranty Association (FIGA)

Premium Financing

Catastrophic Ground Collapse

Hurricane “Occurrence”

Fungi

Loss Assessment (HO-6)

Windstorm

Select Topics – Responsibility for Minors Operating Motor Vehicles

Fair Credit Reporting Act

Privacy Protection (Gramm-Leach-Bliley Act)

Terrorism Risk Insurance Act (TRIA)

End of Unit Six 1 Assessment

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ACA Quiz 6 – Florida Insurance Laws

ACA Section Two

Personal Automobile

Financial Responsibility 3 Topics

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Financial Responsibility – Satisfaction of the Law

Non-Satisfaction of the Law and Remedy

SR-22

No-Fault 21 Topics

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No-Fault

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

Damages, Deductibles, and Coverage

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

PIP Exceptions

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

Defense Costs

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

End of Unit Seven 1 Assessment

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ACA Quiz 7 – Personal Automobile

Homeowners, Dwelling, and Related Coverages

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

Rating

Dwelling Program 19 Topics

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Coverage Forms

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

Vandalism

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

Homeowners Claims Bill Of Rights

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

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

Excess Liability/Umbrellas

End of Unit Eight 1 Assessment

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ACA Quiz 8 – Homeowners & Dwelling Fire

ACA Section Three

Commercial Automobile Insurance

Business Auto Policy

Business Auto Coverage Form

Garage Insurance

End of Unit Nine 1 Assessment

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ACA Quiz 9 – Commercial Auto

Commercial Property Insurance Introduction

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

Farm Coverage

Terrorism Risk Insurance Act (TRIA)

End of Unit Ten 1 Assessment

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ACA Quiz 10 – Commercial Property

Commercial General Liability

The CGL Contract

Coverage A – Bodily Injury And Property Damage Insuring Agreement

Coverage B – Personal And Advertising Injury

Coverage C – Medical Payments

Supplementary Payments

Primary, Excess, Equal Shares, and Cancellation

Conditions

Miscellaneous Forms Of General Liability Insurance

Excess Liability/Umbrellas

Professional Liability Insurance

Farm Liability

Cyber Liability Insurance

End of Unit Eleven 1 Assessment

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ACA Quiz 11 – General Liability

Commercial Package Policies

Commercial Package Policy

Businessowners Policy

End of Unit Twelve 1 Assessment

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ACA Quiz 12 – Commercial Package Policies

ACA Section Four

Workers’ Compensation

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

Rating

End of Unit Thirteen 1 Assessment

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ACA Quiz 13 – Workers’ Compensation

Crime

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

End of Unit Fourteen 1 Assessment

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ACA Quiz 14 – Crime

Surety Bonds

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

End of Unit Fifteen 1 Assessment

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ACA Quiz 15 – Surety Bonds

Marine Insurance

Inland Marine Insurance

Personal Inland Marine Policies

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

End of Unit Sixteen 1 Assessment

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ACA Quiz 16 – Marine

ACA Section Five

Health Insurance

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

Long Term Care

Medicare Supplement Insurance

Health Maintenance Organizations

Preferred Provider Organizations

End of Unit Seventeen 1 Assessment

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ACA Quiz 17 – Health

Residual Markets

Florida Automobile Joint Underwriting Association (FAJUA)

Citizens Property Insurance Corporation

Florida Workers’ Compensation Joint Underwriting Association (FWCJUA)

End of Unit Eighteen 1 Assessment

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ACA Quiz 18 – Residual Markets

Course Content