PLCS

Personal Lines Coverage Specialist

An engaging technical program for those seeking to differentiate themselves with advanced knowledge of the following coverages:
Homeowners | Personal Auto | Personal Umbrella | Personal Lines Endorsements

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PLCS

About the PLCS Personal Lines Coverage Specialist Designation

The PLCS PERSONAL 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 e-learning programs. Materials are adapted from expert insurance coverage materials produced by the staff of FC&S Expert Coverage Interpretation and Coverage Guide Series.

Students completing the PLCS 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.

Who is it for?

The PLCS Designation is recommended for the following

Licensed Agent, broker,
Adjuster, CSR or
Solicitor

Those with at least one year
of full-time experience in the insurance industry
or as a risk management practitioner

Students of insurance authorized
to confer the PLCS designation

Benefits of Attaining the PLCS Designation

+
Advanced coverage expertise and career professionalism.
+
Complete reference set of Personal Lines Coverage Guides from the editors of renowned FC&S Expert Coverage Interpretation.
+
Industry and peer recognition for advanced knowledge in coverage areas.
+
Optional CE credits may be available for various components of the PLCS Designation program. Contact Customer Service for instructions PRIOR to taking your exam.

Program Completion

The PLCS Personal Lines Coverage Specialist designation is earned through ALM |PC360 Education or through an authorized instructional academy. 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 FC&S Expert Coverage Interpretation and Coverage Guide Series.

Requirements:

1

Score of 70% or better on each of the following PLCS Coverage Exams:

  • Insurance Principles (Online Elearning course & Online Exam)
  • Homeowners (Online Elearning course, Coverage Guide & Online Exam)
  • Personal Auto (Online Elearning course, Coverage Guide & Online Exam)
  • Personal Umbrella (Online Elearning course, Coverage Guide & Online Exam)
  • Personal Lines Endorsements (Online Elearning course, Coverage Guide & Online
2
Complete a Request for PLCS Designation form

Your PLCS PERSONAL LINES COVERAGE SPECIALIST 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

1
Register as a student with an authorized insurance academy
2
Complete the course of study as required by the provider, including satisfactory scores on program examinations.
3

The authorized provider will provide you with a Request for PLCS Designation Form upon satisfactory completion of the course of study, and will forward the form to:


ALM | PC360 Education
4157 Olympic Blvd, Suite 225
Erlanger, KY 41018
attn: Continuing Ed Dept.

Curriculum Outline

I. Homeowners
  1. Overview and Eligibility
  2. Real Property Coverage’s
  3. Personal Property
  4. Property Conditions
  5. Liability Coverage
  6. Liability Coverage
  7. 7.Policy Conditions
II. Personal Auto Policy
  1. Eligibility and Definitions
  2. Liability Coverage
  3. Med Payments and UM Coverage
  4. Physical Damage – Part One
  5. Physical Damage – Part Two
  6. Duties and General Provisions
III. Personal Umbrella
  1. Overview
  2. Definitions
  3. Who is an Insured?
  4. Motor Vehicles
  5. Recreational Vehicles
  6. (Un)Common Exclusions
IV. Personal Lines Endorsements
  1. Other Insureds and Other Structures
  2. Business Use
  3. Extreme Events
  4. Increased Limits and Liability
  5. Automobile and Miscellaneous Vehicles
  6. Miscellaneous Endorsements
V. Insurance Principles
  1. History and Critical Definitions
  2. Lines of Insurance
  3. Types of Insurers
  4. The Insurance Contract
  5. The Insurance Agent
  6. Organization of Insurers and Insurance Regulation