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The National Underwriter Company is proud to offer the CLCS COMMERCIAL LINES COVERAGE SPECIALIST designation program. Created with the learning needs of new insurance producers, agents, managers, CSRs and corporate staff in mind, the CLCS COMMERCIAL LINES COVERAGE SPECIALIST curriculum is the most complete professional learning program available for industry professionals seeking to master the subject of commercial lines coverage. The program was created by the staff of the renowned FC&S Bulletins and features detailed course content enhanced with real-life case study exercises.

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.

Eligibility Requirements

To be eligible to earn the CLCS COMMERCIAL LINES COVERAGE SPECIALIST Designation, you must meet one or more of the following qualifications:

  • Licensed agent, broker, adjuster, CSR or solicitor
  • At least one years of full-time experience in the insurance industry or as a risk     management practitioner
  • Students of insurance academies authorized to confer the CLCS designation

Benefits of Attaining the CLCS Designation

There are several benefits of earning your CLCS Designation:

  • Holders of the industry’s only coverage-specific designation have demonstrated advanced coverage expertise and career professionalism.
  • The designation kit includes a complete reference set of Commercial Lines Coverage Guides from the editors of renowned FC&S Bulletins from The National Underwriter Company. 
  • Industry and peer recognition for advanced knowledge in coverage areas.
  • Optional CE credits may be available for various components of the CLCS Designation program.


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 The FC&S Bulletins and Coverage Guide Series.

Program Completion

Eligible candidates can earn the CLCS designation through a self study program through The National Underwriter Company or through an authorized instructional academy.

  • Step 1: Score of 70% or better on each of the following CLCS Coverage Exams:
      1. Business Auto (CD, Coverage Guide & Online Exam)
      2. CGL (CD, Coverage Guide & Online Exam)
      3. Commercial Property (CD, Coverage Guide & Online Exam)
      4. Insurance Principles (CD & Online Exam)
      5. Workers Compensation (CD, Coverage Guide & Online Exam)
  • Step 2:Complete a Request for CLCS Designation form
  • Step 3: Mail the completed form with copies of the Results Page from each of the four Coverage Exams to:

The National Underwriter Co.
4157 Olympic Blvd, Suite 225
Erlanger, KY 41018
attn: Continuing Ed Dept.


Your CLCS COMMERCIAL 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
  • Step 1: Register as a student with an authorized insurance academy
  • Step 2: Complete the course of study as required by the provider, including satisfactory scores on program examinations
  • Step 3: 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:

            The National Underwriter Co.
            4157 Olympic Blvd, Suite 225
            Erlanger, KY 41018
            attn: Continuing Ed Dept.


Your CLCS COMMERCIAL 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

I. Study Guide

II. Insurance Coverage Fundamentals
    A. Coverage principles
        1. The definition of insurance
        2. What is Risk?
        3. Criteria of an ideally insurable exposure
        4. The concept of insurable interest

    B. Insurance contract principles
        1. The unique characteristics of an insurance contract
        2. The principle of indemnity
        3. Utmost good faith
        4. Parts of the insurance contract: coverage grants; conditions; exclusions and
        5. Purpose and use of the Declarations Page
        6. Analyzing the insurance contract

III. Commercial Lines Insurance Policies
    A. The Business Auto Policy
        1. Eligibility and rules
        2. Coverage symbols
        3. Liability coverage
        4. Physical damage coverage
        5. Policy conditions
        6. Policy definitions
        7. Medical payments coverage
        8. Nonownership coverage
        9. Auto leasing and rental endorsements
        10. Drive-other-car endorsements
        11. Common endorsements
        12. Case studies

    B. The Commercial Property Program: the building and personal property coverage form and other commercial property program policies
    C. The Commercial General Liability (CGL) Policy
        1. Bodily injury and property damage liability
        2. Personal and advertising injury liability   
        3. Medical payments coverage   
        4. Managing the claims-made trigger
        5. General provisions
        6. Endorsements
        7. Case studies

    D. The Workers Compensation Policy
        1. Workers compensation insurance
        2. Employers liability insurance
        3. Other states insurance
        4. Duties after injury and other conditions
        5. Policy endorsements
        6. Nonprivate insurance
        7. Federal WC coverage
        8. Premium
        9. Experience rating
        10. Financial plans
        11. Cost management issues
        12. Issues in workers compensation
        13. Case studies