{"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_2017013132\">\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-1278751247\">\n\n\t<div id=\"col-505613111\" 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-3183937\">\n\n\t<div id=\"col-522302159\" 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-1288596971\" 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_2128307761\">\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_2128307761 {\n  width: 100%;\n}\n@media (min-width:550px) {\n  #image_2128307761 {\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-505613111 > .col-inner {\n  padding: 30px 0px 40px 40px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"gap-386399815\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-386399815 {\n  padding-top: 10px;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\n\t\t\n<style>\n#section_2017013132 {\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_1763651448\">\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-1004494782\">\n\n\t<div id=\"col-1220797265\" 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-1220797265 > .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-147187838\">\n\n\t<div id=\"col-1133783523\" 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-996814439\">\n\n\t<div id=\"col-2024427940\" 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-2134235637\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-2134235637 {\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-351252015\">\n\n\t<div id=\"col-1284467761\" 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-1742042494\" 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-163125394\" 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-626301339\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-626301339 {\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-996814439 > .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-1133783523 > .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-94467625\">\n\n\t<div id=\"col-1858211206\" 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-1858211206 > .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_1763651448 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n  background-color: rgb(247, 247, 247);\n}\n#section_1763651448 .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_1256485278\">\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-1795787035\">\n\n\t<div id=\"col-2090703460\" 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-2090703460 > .col-inner {\n  padding: 30px 0px 15px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-918351902\" 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-1571427142\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1571427142 {\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-542547975\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-542547975 {\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-918351902 > .col-inner {\n  padding: 15px 0px 15px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-664782333\" 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-1707081879\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1707081879 {\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-377676675\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-377676675 {\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-661608741\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-661608741 {\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-664782333 > .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_1256485278 {\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_170680576\">\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-1135686758\">\n\n\t<div id=\"col-983001777\" 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-1532036958\" class=\"accordion-item\">\n\t\t<a id=\"accordion-1532036958-label\" class=\"accordion-title plain\" href=\"#accordion-item-i.-the-business-auto-policy\" aria-expanded=\"false\" aria-controls=\"accordion-1532036958-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-1532036958-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-1532036958-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-2434619398\" class=\"accordion-item\">\n\t\t<a id=\"accordion-2434619398-label\" class=\"accordion-title plain\" href=\"#accordion-item-ii.-the-commercial-property-program\" aria-expanded=\"false\" aria-controls=\"accordion-2434619398-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-2434619398-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-2434619398-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-4102170466\" class=\"accordion-item\">\n\t\t<a id=\"accordion-4102170466-label\" class=\"accordion-title plain\" href=\"#accordion-item-iii.-the-commercial-general-liability-(cgl)-policy\" aria-expanded=\"false\" aria-controls=\"accordion-4102170466-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-4102170466-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-4102170466-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-996183149\" class=\"accordion-item\">\n\t\t<a id=\"accordion-996183149-label\" class=\"accordion-title plain\" href=\"#accordion-item-iv.-the-workers-compensation-policy\" aria-expanded=\"false\" aria-controls=\"accordion-996183149-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-996183149-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-996183149-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-1029000101\" class=\"accordion-item\">\n\t\t<a id=\"accordion-1029000101-label\" class=\"accordion-title plain\" href=\"#accordion-item-v.-insurance-principles\" aria-expanded=\"false\" aria-controls=\"accordion-1029000101-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-1029000101-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-1029000101-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-983001777 > .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_170680576 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n  background-color: rgb(247, 247, 247);\n}\n#section_170680576 .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}]}}