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 FAQ 

  1. How did the Designation Program get started?
  2. What products are included in the Designation Program Kits?
  3. What qualifications do I need to participate in the Designation Programs?
  4. Do I have to register for the Designation Programs?
  5. How do I take the Online Exam?
  6. Can I earn additional Continuing Education credits for these courses?
  7. What do I do once I have purchased and completed all requirements of the program?
  8. What additional benefits do I receive once I have completed the program?
  9. What is the course outline for the Commercial Lines Coverage Specialist (CLCS) Course?
  10. What is the course outline for the Personal Lines Coverage Specialist (PLCS) Course?
  11. How long has the GBDS designation program been available?
  12. What program materials will I receive?
  13. How many exam retakes am I allowed?
  14. I am interested in adding the GBDS designation to my firm’s training and development program. How would I go about this?

1. How did the Designation Program get started?
Answer
The National Underwriter Company has long been recognized as the industry's most authoritative coverage expert. The FC&S Bulletins, Coverage Guide Series and other publications are relied upon through the industry to check coverage knowledge, by insurers, claims people, producers and more. After all, coverage is what we sell and service. The Coverage Specialist designation programs were born of a desire to provide a way for dedicated professionals to grow their expertise with the key lines of business in both personal and commercial lines. Whether new to the industry or seasoned professional, coverage is a topic that is constantly in flux, requiring a deep level of expertise.

2. What products are included in the Designation Program Kits?
Answer
  • Commercial Lines Coverage Specialist (CLCS) Kit
  • Business Auto (ELearning course, Coverage Guide & Online Exam)
  • CGL (ELearning course, Coverage Guide & Online Exam)
  • Commercial Property (ELearning course, Coverage Guide & Online Exam)
  • Insurance Principles (ELearning course & Online Exam)
  • Workers Compensation (ELearning course, Coverage Guide & Online Exam)
  • Personal Lines Coverage Specialist (PLCS) Kit
  • Insurance Principles (ELearning course & Online Exam)
  • Personal Auto (ELearning course, Coverage Guide & Online Exam)
  • Personal Umbrella (ELearning course, Coverage Guide & Online Exam)
  • Homeowners (ELearning course, Coverage Guide & Online Exam)
  • Personal Lines Endorsements (ELearning course, Coverage Guide & Online Exam)
  • Small Business Coverage Specialist (SBCS) Kit
  • Introduction to Commercial Insurance (ELearning course & Online Exam)
  • Businessowners Policy (ELearning course, Coverage Guide & Online Exam)
  • Small Business Auto (ELearning course, Coverage Guide & Online Exam)
  • Workers Compensation (ELearning course, Coverage Guide & Online Exam)
  • Home Based Business (ELearning course, Coverage Guide & Online Exam)
3. What qualifications do I need to participate in the Designation Programs?
Answer
One of the following qualifications is required for an individual to be eligible for either the Commercial Lines Coverage Specialist (CLCS) program or the Personal Lines Coverage Specialist (PLCS) program, or the Small Business Coverage Specialist Program.
  • Licensed agent, broker, adjuster, CSR or solicitor
  • At least one year of full-time experience in the insurance industry or as a risk management practitioner
  • Successful completion of the required course of studies through an academic institution authorized to confer CLCS, PLCS and SBCS designations.

4. Do I have to register for the Designation Programs?
Answer
Program participants are not required to register in advance, and can complete required program elements in any order desired. Packages for each element of either program are available through standard NUCO purchasing channels (Online at www.nationalunderwriter.com or by calling customer service at (800) 543-0874). Complete program information will be posted on www.CoverageSpecialist.com.

The primary course of study for students seeking either designation is through a self-study program based on materials available from NUCO. The program’s uniqueness stems largely upon the standing of the FC&S staff as the recognized industry authority on insurance coverage, particularly the ISO program. Materials and programs from other institutions and publishers are therefore considered insufficient to meet the exacting requirements of either designation.

5. How do I take the Online Exam?
Answer
Students gain access to the Online Exams through an Exam Serial Number. A printed page with the Online Exam Serial Number and ELearning instructions will be mailed along with the Coverage Guides and a Study Guide for each course.

The Exam Serial Number is valid for one exam only! The exam consists of 50 questions. You must earn a score of at least 70% to pass, so be sure you are thoroughly familiar with the course materials before beginning your exam. It is the responsibility of each student to retain copies of their Online Exam Serial Numbers.

Once you are finished taking the exam, select the option to have exam results emailed to you to save for your records. When you have achieved a passing score on each of the five exams in the Commercial Lines Coverage Specialist program with a score of 70% or higher, log in to www.CoverageSpecialist.com, Login, click on the Status link, and print, date, sign and scan/email the Request for Certificate form to: Leslie Webster at lwebster@alm.com.

You should receive your certificate within 2 weeks of submitting your completed form.
NUCO reserves the right to administer Online Exams separately from program elements where warranted; for example, for exam retakes, or for graduates of accredited institutions (i.e., HSI) that miss one or more program elements during classroom instruction. However, in no case will examinations be administered without the purchase of the required NUCO study materials.

6. Can I earn additional Continuing Education credits for these courses?
Answer
Students may earn CE credits upon any individual program element per the standard CE program. Students must purchase the CE exam for the Coverage Guide or CE Exam for the ELearning course for an additional $25 grading and processing fee plus any state and optional fees. Speed Processing is available for an additional $25 charge.

Students must pass the CE exam associated with the Coverage Guide or ELearning with a 70% or higher score. A student must purchase an additional CE exam for $25 if the minimum passing grade is not achieved. CE Exam instructions will be provided for you during your exam. Read, follow all instructions and print out a copy to reference. CE Exams are available in Print and Online format.

Please call 1-800-543-0874 for state availability or visit the CE section of our site at www.NationalUnderwriter.com/ce/.

7. What do I do once I have purchased and completed all requirements of the program?
Answer
Once you are finished taking the exam, select the option to have exam results emailed to you to save for your records. When you have achieved a passing score on each of the exams in the CLCS, PLCS or SBCS program with a score of 70% or higher, log in to www.CoverageSpecialist.com, Login, click on the Status link, and print, date, sign and scan/email the Request for Certificate form to: Leslie Webster at lwebster@alm.com

You should receive your certificate within 2 weeks of submitting your completed form.

8. What additional benefits do I receive once I have completed the program?
Answer
Designees will receive an official certificate and a congratulatory letter inviting them to take advantage of benefits accorded only to program graduates:

  • Three months free access to the Online edition of the FC&S Bulletins
  • One year free subscription to National Underwriter: Property & Casualty magazine
  • Special discounts on NUCO titles available only to program graduates.

9. What is the course outline for the Commercial Lines Coverage Specialist (CLCS) Course?
Answer
Commercial Lines Coverage Specialist (CLCS) Curriculum Outline

  1. Insurance Coverage Fundamentals
    1. Coverage principles
      1. The definition of insurance
      2. What is Risk?
      3. Criteria of an ideally insurable exposure
      4. The concept of insurable interest
    2. 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 endorsements
      5. Purpose and use of the Declarations Page
      6. Analyzing the insurance contract
  2. Commercial Lines Insurance Policies
  3. The Business Auto Policy
  4. Eligibility and rules
  5. Coverage symbols
  6. Liability coverage
  7. Physical damage coverage
  8. Policy conditions
  9. Policy definitions
  10. Medical payments coverage
  11. Nonownership coverage
  12. Auto leasing and rental endorsements
  13. Drive-other-car endorsements
  14. Common endorsements
  15. Case studies
  16. The Commercial Property Program:the building and personal property coverage form and other commercial property program policies
  17. Eligibility and rules
  18. The insuring agreement: covered and not covered property
  19. Additional coverages, coverage extensions and optional coverages
  20. Named perils coverage forms
  21. Special perils coverage forms
  22. Policy conditions
  23. Builders risk coverage
  24. Business income
  25. Other coverage forms
  26. Endorsements
  27. Case studies
  28. The Commercial General Liability (CGL) Policy
  29. Bodily injury and property damage liability
  30. Personal and advertising injury liability
  31. Medical payments coverage
  32. Managing the claims-made trigger
  33. General provisions
  34. Endorsements
  35. Case studies
  36. The Workers Compensation Policy
  37. Workers compensation insurance
  38. Employers liability insurance
  39. Other states insurance
  40. Duties after injury and other conditions
  41. Policy endorsements
  42. Nonprivate insurance
  43. Federal WC coverage
  44. Premium
  45. Experience rating
  46. Financial plans
  47. Cost management issues
  48. Issues in workers compensation
  49. Case studies

10. What is the course outline for the Personal Lines Coverage Specialist (PLCS) Course?
Answer
Personal Lines Coverage Specialist (PLCS) Curriculum Outline
Insurance Coverage Fundamentals
Coverage principles
The definition of insurance
What is Risk?
Criteria of an ideally insurable exposure
The concept of insurable interest
Insurance contract principles
The unique characteristics of an insurance contract
The principle of indemnity
Utmost good faith
Parts of the insurance contract: coverage grants; conditions; exclusions and endorsements
Purpose and use of the Declarations Page
Analyzing the insurance contract
Personal Lines Insurance Policies
The Personal Auto Policy
Eligibility and underwriting the personal auto risk
Definitions
Liability coverage
Medical payments coverage
Uninsured motorists coverage
Damage to the insured’s auto
General conditions and provisions
Personal auto policy endorsements
Miscellaneous type vehicles coverage
Nonowned coverage
No-fault automobile coverage
Financial responsibility and compulsory insurance laws
Miscellaneous issues in personal auto insurance
Case studies
The Homeowners Policy Program
Overview of homeowners coverage
Coverage under the HO policy-what’s covered? (Coverage grants, additional coverages, limitations, and property not covered)
Named perils
Open perils and property coverage exclusions
Conditions applying to property coverages
Liability coverage and exclusions
Liability conditions
General policy conditions
Other homeowners forms
Common endorsements
Case studies
The Personal Umbrella Policy
Overview of umbrella coverage concepts
Definitions
Who is insured?
The umbrella and motor vehicles
Exclusions
Conditions
Case studies

11. How long has the GBDS designation program been available?
Answer
The GBDS designation has been conferred to graduates of selected insurance school programs for over 10 years.

12. What program materials will I receive?
Answer
The self-study components of the GBDS program are contained in a book, which includes instructions for accessing the GBDS online exam center.

13. How many exam retakes am I allowed?
Answer
You must achieve an 70% or better score on your designation exam to earn the GBDS. You receive two exam attempts with your program. Should additional retakes be needed, contact NU Training at 859-692-2131 to order retakes (service fee applies).

14. I am interested in adding the GBDS designation to my firm’s training and development program. How would I go about this?
Answer
Please contact National Underwriter’s Training Sales Rep at 859-692-2166.