TEXAS ALL LINES ADJUSTER PRE-LICENSING COURSE OUTLINE
A. Chapter 1 – Insurance Regulation and Licensing Requirements (7%)
Licensing Requirements –
Maintenance and Duration
Disciplinary Actions
Continuing Education
Insurance Terms and Related Concepts
B. Chapter 2 – Marketing Practices (7%)
Elements of a Legal Contract
Distinct Characteristics of an Insurance Contract
Legal Interpretations affecting Contracts
Claim Settlement Laws and Regulation
Federal Regulation
Insurance Terms and Related
C. Chapter 3 – Insurance Terms and Related Concepts (Insurance Basics) (40%)
Principles and Concepts
Frequently used Terms and Definitions
Policy Structure
Common Policy Provisions
Texas Laws, Regulations and Required Provisions
D. Chapter 4 – Adjuster Practices, Responsibilities and Duties (3%)
Role of the Adjuster
Claim Reporting
Property Losses
Liability Losses
Coverage Issues
Claims Settlement
E. Chapter 5 – Standard Fire Policy (3%)
Characteristics
Coverage Forms – Perils Insured against
Property Coverages
General Exclusions
Conditions
Endorsements
Personal Liability Endorsements
Insurance Terms and Related Concepts
F. Chapter 6 – Personal Lines Coverage – (10%)
Texas Homeowners Policy
Coverage Forms
Definitions
Section 1 –Property Coverages
Section 2 – Liability Coverages
Perils Insured against
Exclusions
Conditions
Endorsements
Insurance Terms and Related Concepts
G. Chapter 7 – Personal Lines Coverage
Farm Property and Liability Coverage (Combined with Chapter 6)
Farm Coverage form
Definitions
Cause of Loss
Conditions
Exclusions
Limits
Additional Coverages
Forms and Endorsements
Insurance Terms and Related Concepts
H. Chapter 8 – Auto Liability
Texas Auto Policy (3%)
Laws
Policy Construction
Policy Format
Policy Coverages
Exclusions
Insurance Terms and Related Concepts
I. Chapter 9 – Auto Liability
Texas Business Auto Policy (Combined with Chapter 8)
Laws
Policy Construction
Policy Format
Policy Coverages
Exclusions
Insurance Terms and Related Concepts
J. Chapter 10 – Worker’s Compensation (3%)
Worker’s Compensation Laws
Worker’s Compensation and Employer’s Liability Insurance Policy
Coverages
Conditions
Exclusions
Endorsements
Insurance Terms and Related Concepts
K. Chapter 11 – Bonds (3%)
Nature of Surety Bonds
Types of Surety Bonds
Nature of Fidelity Bonds
Types of Fidelity Bonds
Employee Dishonesty coverage
Financial Institution Bonds
Insurance Terms and Related Concepts
L. Chapter 12 – Commercial Lines Coverage (10%)
Commercial Package Policy (CPP)
Characteristics and Purpose
Business Owners Section 1 – Property
Business Owners Section 2 – Liability
Business Owners Section 3 – Common Policy Conditions
Endorsements
Exclusions
Components of a Commercial Policy
Commercial General Liability
Commercial Property
Commercial Crime
Boiler and Machinery
M. Chapter 13 – Inland Marine (2%)
Conditions
Coverages
Accounts Receivable
Commercial Articles
Contractors Equipments Floater
Jewelers Block
Signs
Valuable Papers
Equipment Dealers
Installation Floater
Insurance Terms and Related Concepts
N. Chapter 14 – Ocean Marine (2%)
American Institute Hull Classes
Other Hull Coverage
Cargo Packing Methods
Types of Cargo Losses
Open Cargo Policy
Insurance Terms and Related Concepts
O. Chapter 15– Additional Coverage’s, Exclusions and Extensions (7%)
Aviation
Umbrella Policies
Watercraft
Garage Policy
Insurance Terms and Related Concepts