{"id":84,"date":"2020-04-20T10:57:42","date_gmt":"2020-04-20T10:57:42","guid":{"rendered":"http:\/\/localhost\/coveragespecialist\/?page_id=84"},"modified":"2025-11-21T11:43:40","modified_gmt":"2025-11-21T16:43:40","slug":"clcs","status":"publish","type":"page","link":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/clcs\/","title":{"rendered":"CLCS"},"content":{"rendered":"\n\t<section class=\"section padding-right-left-5-per padding-bottom-0\" id=\"section_715267945\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t<div class=\"is-border\"\n\t\tstyle=\"border-color:rgb(235, 235, 235);border-width:0px 0px 0px 0px;\">\n\t<\/div>\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row row-full-width align-center margin-left-0 margin-right-0\"  id=\"row-541526913\">\n\n\t<div id=\"col-277338863\" class=\"col padding-0 small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-left\" style=\"background-color:rgb(255, 255, 255);\" >\n\t\t\t\n\t\t\t\n<div class=\"row row-full-width align-middle align-center pages-topbanner-row\"  id=\"row-417804900\">\n\n\t<div id=\"col-2144404178\" class=\"col padding-bottom-0 medium-8 small-12 large-8\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h1>CLCS<\/h1>\n<p><strong>COMMERCIAL LINES COVERAGE SPECIALIST<\/strong><\/p>\n<p>Better understand how endorsements, exclusions, exceptions to exclusions and coverages work in the following areas:<br \/>\nBusiness Auto Policy | Commercial General Liability (CGL) | Commercial Property | Workers Compensation<\/p>\n<a href=\"https:\/\/www.nationalunderwriter.com\/clcs-commercial-lines-coverage-specialist.html\" target=\"_blank\" class=\"button primary is-large lowercase btn-width-100\" rel=\"noopener\" style=\"border-radius:5px;\">\n\t\t<span>Purchase the Course<\/span>\n\t<\/a>\n\n<a href=\"\/coveragespecialist\" class=\"button primary is-large lowercase visible-logged-in custom_white btn-width-100\" style=\"border-radius:5px;\">\n\t\t<span>Take the Exam<\/span>\n\t<\/a>\n\n<a href=\"\/coveragespecialist\/clcs\/\" class=\"button primary is-large lowercase visible-logged-out open-login-form custom_white btn-width-100\" style=\"border-radius:5px;\">\n\t\t<span>Log In to Take Exam<\/span>\n\t<\/a>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-40233367\" class=\"col padding-bottom-0 medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner text-center\"  >\n\t\t\t\n\t\t\t\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_815432940\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"555\" height=\"707\" src=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2025\/05\/badge-clcs-1.png\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2025\/05\/badge-clcs-1.png 555w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2025\/05\/badge-clcs-1-236x300.png 236w\" sizes=\"auto, (max-width: 555px) 100vw, 555px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_815432940 {\n  width: 100%;\n}\n@media (min-width:550px) {\n  #image_815432940 {\n    width: 70%;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-277338863 > .col-inner {\n  padding: 30px 0px 40px 40px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"gap-1561809750\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1561809750 {\n  padding-top: 10px;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\n\t\t\n<style>\n#section_715267945 {\n  padding-top: 30px;\n  padding-bottom: 30px;\n  min-height: 300px;\n  background-color: rgb(236, 241, 242);\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section padding-right-left-5-per\" id=\"section_784746978\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t<div class=\"section-bg-overlay absolute fill\"><\/div>\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row row-full-width align-middle align-center\"  id=\"row-1596404636\">\n\n\t<div id=\"col-780024494\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n<h2>About the CLCS Commercial Lines Coverage Specialist Designation<\/h2>\n<p>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 e-learning programs. Materials are adapted from expert insurance coverage materials produced by the staff of FC&#038;S Expert Coverage Interpretation and Coverage Guide Series.<\/p>\n<div class=\"gap-element\" style=\"display: block; height: auto; padding-top: 10px;\"><\/div>\n<p>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.<\/p>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-780024494 > .col-inner {\n  padding: 40px 0px 20px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n<div class=\"row row-full-width align-middle align-center\"  id=\"row-2005979443\">\n\n\t<div id=\"col-899761644\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-center\" style=\"background-color:rgb(236, 241, 242);\" >\n\t\t\t\n\t\t\t\n<div class=\"row row-full-width margin-left-0 padding-left-10 margin-right-0\"  id=\"row-447427703\">\n\n\t<div id=\"col-2001555252\" class=\"col padding-left-0 padding-right-0 margin-left-10 small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-center\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"gap-1757183066\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1757183066 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<h2 >Eligibility<\/h2>\n<p >\nThe CLCS Designation is recommended for the following:<\/p>\n<div class=\"row row-full-width align-middle align-center row-eligibility-points margin-0-auto\"  id=\"row-1424282463\">\n\n\t<div id=\"col-1447011347\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner text-center\"  >\n\t\t\t\n\t\t\t\n\n\t\t<div class=\"icon-box featured-box icon-box-center text-center\"  >\n\t\t\t\t\t<div class=\"icon-box-img\" style=\"width: 40px\">\n\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t<div class=\"icon-inner\" style=\"color:rgb(58, 50, 50);\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-300x300.png\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-300x300.png 300w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-150x150.png 150w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave.png 600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<div class=\"icon-box-text last-reset\">\n\t\t\t\t\t\t\t\t\t\n<p>Licensed Agent, broker, Adjuster,<br \/>\nCSR or Solicitor<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1752603307\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t\t<div class=\"icon-box featured-box icon-box-center text-center\"  >\n\t\t\t\t\t<div class=\"icon-box-img\" style=\"width: 40px\">\n\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t<div class=\"icon-inner\" style=\"color:rgb(58, 50, 50);\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-300x300.png\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-300x300.png 300w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-150x150.png 150w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave.png 600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<div class=\"icon-box-text last-reset\">\n\t\t\t\t\t\t\t\t\t\n<p>Those with at least one year of<br \/>\nfull-time experience in the insurance industry<br \/>\nor as a risk management practitioner<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-339525864\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t\t<div class=\"icon-box featured-box icon-box-center text-center\"  >\n\t\t\t\t\t<div class=\"icon-box-img\" style=\"width: 40px\">\n\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t<div class=\"icon-inner\" style=\"color:rgb(58, 50, 50);\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-300x300.png\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-300x300.png 300w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-150x150.png 150w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave.png 600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<div class=\"icon-box-text last-reset\">\n\t\t\t\t\t\t\t\t\t\n<p>Students of insurance<br \/>\nauthorized to confer the<br \/>\nCLCS designation<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"gap-1094000997\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1094000997 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n<style>\n#row-447427703 > .col > .col-inner {\n  background-color: rgb(236, 241, 242);\n}\n<\/style>\n<\/div>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-899761644 > .col-inner {\n  padding: 40px 20px 40px 20px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n<div class=\"row row-full-width align-middle align-center\"  id=\"row-184610696\">\n\n\t<div id=\"col-543730306\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n<h2>Benefits of Attaining the CLCS Designation<\/h2>\n<p><span style=\"padding-right: 5px;\">+<\/span>Advanced coverage expertise and career professionalism.<\/p>\n<p><span style=\"padding-right: 5px;\">+<\/span>Complete reference set of Commercial Lines Coverage Guides from the editors of renowned FC&#038;S Expert Coverage Interpretation.<\/p>\n<p><span style=\"padding-right: 5px;\">+<\/span>Industry and peer recognition for advanced knowledge in coverage areas.<\/p>\n<p><span style=\"padding-right: 5px;\">+<\/span>Optional CE credits may be available for various components of the CLCS Designation program. Contact Customer Service for instructions PRIOR to taking your exam.<\/p>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-543730306 > .col-inner {\n  padding: 40px 0px 40px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_784746978 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n  background-color: rgb(247, 247, 247);\n}\n#section_784746978 .section-bg-overlay {\n  background-color: rgba(255, 255, 255, 0.85);\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section padding-right-left-5-per\" id=\"section_1854441376\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t<div class=\"is-border\"\n\t\tstyle=\"border-color:rgb(235, 235, 235);border-width:0px 0px 0px 0px;\">\n\t<\/div>\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row row-full-width align-center\"  id=\"row-1776753603\">\n\n\t<div id=\"col-2072584411\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n<h2>Program Completion<\/h2>\n<p>The CLCS Commercial Lines Coverage Specialist designation is earned through 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&#038;S Expert Coverage Interpretation and Coverage Guide Series.<\/p>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-2072584411 > .col-inner {\n  padding: 30px 0px 15px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-58833462\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n<h2>Requirements:<\/h2>\n\t<div id=\"gap-447608706\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-447608706 {\n  padding-top: 10px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"icon-box featured-box icon-box-left text-left\">\n<div class=\"icon-box-img round-numbers\">1<\/div>\n<div class=\"icon-box-text plus-text\">\n<p><b>Score of 70% or better on each of the following CLCS Coverage Exams:<\/b><\/p>\n<ul class=\"dashed\">\n<li>Business Auto (Online Elearning, Coverage Guide &#038; Online Exam)<\/li>\n<li>CGL (Online Elearning, Coverage Guide &#038; Online Exam)<\/li>\n<li>Commercial Property (Online Elearning, Coverage Guide &#038; Online Exam)<\/li>\n<li>Insurance Principles (Online Elearning &#038; Online Exam)<\/li>\n<li>Workers Compensation (Online Elearning, Coverage Guide &#038; Online Exam)<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"icon-box featured-box icon-box-left text-left\">\n<div class=\"icon-box-img round-numbers\">2<\/div>\n<div class=\"icon-box-text plus-text\">\n<p><b>Complete a Request for CLCS Designation form<\/b><\/p>\n<p>Your CLCS COMMERCIAL LINES COVERAGE SPECIALIST certificate will be emailed to the address you provide on your Request Form. Please allow 5 to 7 business days for processing.<\/p>\n<\/div>\n<\/div>\n\t<div id=\"gap-1534410246\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1534410246 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-58833462 > .col-inner {\n  padding: 15px 0px 15px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-1294297270\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n<h2>Authorized Insurance Academy<\/h2>\n\t<div id=\"gap-1434068182\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1434068182 {\n  padding-top: 10px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"icon-box featured-box icon-box-left text-left\">\n<div class=\"icon-box-img round-numbers\">1<\/div>\n<div class=\"icon-box-text plus-text\">Register as a student with an authorized insurance academy<\/div>\n<\/div>\n\t<div id=\"gap-1421056169\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1421056169 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"icon-box featured-box icon-box-left text-left\">\n<div class=\"icon-box-img round-numbers\">2<\/div>\n<div class=\"icon-box-text plus-text\">Complete the course of study as required by the provider, including satisfactory scores on program examinations.<\/div>\n<\/div>\n\t<div id=\"gap-1082645962\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1082645962 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"icon-box featured-box icon-box-left text-left\">\n<div class=\"icon-box-img round-numbers\">3<\/div>\n<div class=\"icon-box-text plus-text\">\n<p>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:<\/p>\n<p><strong><br \/>\nPC360 Education<br \/>\n222 Lakeview Avenue<br \/>\nWest Palm Beach, FL 33401<br \/>\nattn: Continuing Ed Dept.<\/strong><\/p>\n<\/div>\n<\/div>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1294297270 > .col-inner {\n  padding: 15px 0px 15px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_1854441376 {\n  padding-top: 10px;\n  padding-bottom: 10px;\n  min-height: 300px;\n  background-color: rgb(236, 241, 242);\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section padding-right-left-5-per home-faq-section\" id=\"section_1431697121\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t<div class=\"section-bg-overlay absolute fill\"><\/div>\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row row-collapse row-full-width align-middle align-center\"  id=\"row-2031081466\">\n\n\t<div id=\"col-1373038958\" class=\"col padding-bottom-0 small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n<h2>Curriculum Outline<\/h2>\n<div class=\"accordion\">\n\t<div id=\"accordion-3868698395\" class=\"accordion-item\">\n\t\t<a id=\"accordion-3868698395-label\" class=\"accordion-title plain\" href=\"#accordion-item-i.-the-business-auto-policy\" aria-expanded=\"false\" aria-controls=\"accordion-3868698395-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>I. The Business Auto Policy<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-3868698395-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-3868698395-label\">\n\t\t\t\n<ol style=\"margin-left:5%;margin-top:5%;\">\n<li>Eligibility and rules<\/li>\n<li>Coverage symbols<\/li>\n<li>Liability coverage<\/li>\n<li>Physical damage coverage<\/li>\n<li>Policy conditions<\/li>\n<li>Policy definitions<\/li>\n<li>Medical payments coverage<\/li>\n<li>Nonownership coverage<\/li>\n<li>Auto leasing and rental endorsements<\/li>\n<li>Drive-other-car endorsements<\/li>\n<li>Common endorsements<\/li>\n<li>Case studies<\/li>\n<\/ol>\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-252778125\" class=\"accordion-item\">\n\t\t<a id=\"accordion-252778125-label\" class=\"accordion-title plain\" href=\"#accordion-item-ii.-the-commercial-property-program\" aria-expanded=\"false\" aria-controls=\"accordion-252778125-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>II. The Commercial Property Program<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-252778125-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-252778125-label\">\n\t\t\t\n<p style=\"margin:5%;\">\nThe building and personal property coverage form and other commercial property program policies<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-816169800\" class=\"accordion-item\">\n\t\t<a id=\"accordion-816169800-label\" class=\"accordion-title plain\" href=\"#accordion-item-iii.-the-commercial-general-liability-(cgl)-policy\" aria-expanded=\"false\" aria-controls=\"accordion-816169800-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>III. The Commercial General Liability (CGL) Policy<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-816169800-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-816169800-label\">\n\t\t\t\n<ol style=\"margin-left:5%;margin-top:5%;\">\n<li>Bodily injury and property damage liability<\/li>\n<li>Personal and advertising injury liability<\/li>\n<li>Medical payments coverage<\/li>\n<li>Medical payments coverage<\/li>\n<li>General provisions<\/li>\n<li>Endorsements<\/li>\n<li>Case studies<\/li>\n<\/ol>\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-4157350896\" class=\"accordion-item\">\n\t\t<a id=\"accordion-4157350896-label\" class=\"accordion-title plain\" href=\"#accordion-item-iv.-the-workers-compensation-policy\" aria-expanded=\"false\" aria-controls=\"accordion-4157350896-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>IV. The Workers Compensation Policy<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-4157350896-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-4157350896-label\">\n\t\t\t\n<ol style=\"margin-left:5%;margin-top:5%;\">\n<li>Workers compensation insurance<\/li>\n<li>Employers liability insurance<\/li>\n<li>Other states insurance<\/li>\n<li>Duties after injury and other conditions<\/li>\n<li>Policy endorsements<\/li>\n<li>Nonprivate insurance<\/li>\n<li>Federal WC coverage<\/li>\n<li>Premium<\/li>\n<li>Experience rating<\/li>\n<li>Financial plans<\/li>\n<li>Cost management issues<\/li>\n<li>Issues in workers compensation<\/li>\n<li>Case studies<\/li>\n<\/ol>\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-2121467964\" class=\"accordion-item\">\n\t\t<a id=\"accordion-2121467964-label\" class=\"accordion-title plain\" href=\"#accordion-item-v.-insurance-principles\" aria-expanded=\"false\" aria-controls=\"accordion-2121467964-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>V. Insurance Principles<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-2121467964-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-2121467964-label\">\n\t\t\t\n<ol style=\"margin-left:5%;margin-top:5%;\">\n<li>Workers compensation insurance<\/li>\n<li>Employers liability insurance<\/li>\n<li>Other states insurance<\/li>\n<li>Duties after injury and other conditions<\/li>\n<li>Policy endorsements<\/li>\n<li>Nonprivate insurance<\/li>\n<li>Federal WC coverage<\/li>\n<li>Premium<\/li>\n<li>Experience rating<\/li>\n<li>Financial plans<\/li>\n<li>Cost management issues<\/li>\n<li>Issues in workers compensation<\/li>\n<li>Case studies<\/li>\n<\/ol>\n\t\t<\/div>\n\t<\/div>\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1373038958 > .col-inner {\n  padding: 30px 0px 30px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_1431697121 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n  background-color: rgb(247, 247, 247);\n}\n#section_1431697121 .section-bg-overlay {\n  background-color: rgba(255, 255, 255, 0.85);\n}\n<\/style>\n\t<\/section>\n\t\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-84","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/pages\/84","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/comments?post=84"}],"version-history":[{"count":0,"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/pages\/84\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/media?parent=84"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}