2019 – 2020
Florida Department of Education
Curriculum Framework

Program Title:	Risk Management and Insurance Management
Career Cluster:	Business Management and Administration

CCC	
CIP Number	0552020109	
Program Type	College Credit	
Standard Length	24 credit hours	
CTSO	BPA, DECA	
SOC Codes (all applicable) 	11-3031-Financial Managers, 13-1031-Claims Adjusters, Examiners, and Investigators, 13-1032-Insurance Appraisers, Auto Damage, 13-2052-Personal Financial Advisors, 13-2053-Insurance Underwriters, 41-3021-Insurance Sales Agent, 43-9041-Insurance Claims and Policy Processing Clerks	
CTE Program Resources 	http://www.fldoe.org/academics/career-adult-edu/career-tech-edu/program-resources.stml	

Purpose

This certificate program is part of the Business Administration AS degree program (1552020102).  

A College Credit Certificate consists of a program of instruction of less than sixty (60) credits of college-level courses, which is part of an AS or AAS degree program and prepares students for entry into employment (Rule 6A-14.030, F.A.C.).

The purpose of this program is to prepare students for further education and employment in the Insurance career cluster. The program is designed to develop the student’s general employability by improving their work attitudes, communication, critical thinking, technical skills, problem-solving skills and occupation-specific skills relative to insurance sales. 

The program content is broad-based to reflect the cross-functional relationships prevalent in risk management and insurance.  Students are exposed to related business practices such as standard operating procedures, budgeting, planning, organizing, marketing, customer service, property and casualty rules, personal and commercial insurance rules, and risk management theory.  Emphasis is placed on understanding the concept of risk, insurance sales, insurance products/policies, customer service, and providing the right coverage for the amount of risk exposure.  Learning is promoted via team work, case studies, practitioner guest lectures, video lectures, online learning aides, and visits to insurance agency and carrier sites.

This program prepares students for employment in roles such as:  Customer Service Representative, Insurance Office Assistant, Account Managers, Personal Lines Agent, Claims Adjuster, and Risk Analyst.

The content includes but is not limited to related business and insurance practices such as:  insurance standard policies and forms, Florida insurance regulations, operating procedures, planning, organizing, customer service, marketing, sales, and risk management.  Emphasis is placed on the development of business and risk management skills necessary to become efficient, effective, and ethical in identifying customers’ insurance needs based on the amount of risk found and meeting profit goals within an insurance agency or carrier. 

Additional Information relevant to this Career and Technical Education (CTE) program is provided at the end of this document.

Program Structure

This program is a planned sequence of instruction consisting of 24 credit hours.

Standards

After successfully completing this program, the student will be able to perform the following:

Professional Skills:

01.0	Demonstrate effective business communication skills.
02.0	Describe the significance of legal and ethical issues in a business environment.
03.0	Develop human resources skills.
04.0	Demonstrate employability skills
05.0	Prepare or develop strategic or organizational skills
06.0	Identify, classify, and demonstrate management activities.
07.0	Demonstrate knowledge and application of personal insurance planning.
08.0	Demonstrate knowledge and application of personal and business property insurance.
09.0	Demonstrate knowledge of risk management and insurance.

2019 – 2020
Florida Department of Education
Student Performance Standards

Program Title:	Risk Management and Insurance Management
CIP Number:		0552020109
Program Length:	24 credit hours
SOC Code(s):		11-3031, 13-1031, 13-1032, 13-2052, 13-2053, 41-3021, 43-9041

This certificate program is part of the Business Administration AS degree program (1552020102) (60).  At the completion of this program, the student will be able to:	
01.0	Demonstrate effective business communication skills – the student will be able to:	
01.01	Select and employ appropriate communication concepts and strategies to enhance oral and written communication in the workplace.  Give, follow and interpret oral and written communications.	
01.02	Use interpersonal communication skills to facilitate effective interactions to work collaboratively. 	
01.03	Exhibit public relations skills that aid in achieving customer satisfaction.	
01.04	Demonstrate effective teamwork skills.  Participate in a group discussion as a member and leader.	
01.05	Develop the ability to manage and resolve conflict.	
01.06	Discuss the need to use appropriate tone and professional demeanor in business communications.	
01.07	Compose business correspondence and related documents and demonstrate correct spelling, grammar, punctuation and word choice.	
01.08	Prepare, outline and deliver an effective oral presentation.  Prepare and use visual material, including slide presentation software.	
01.09	Research and interpret information retrieved from print and electronic resources. 	
01.10	Research and compose a document containing statistical information.	
01.11	Demonstrate ability to communicate effectively with diverse populations.	
02.0	Describe the significance of legal and ethical issues in a business environment – the student will be able to:	
02.01	Describe the basic features of a contract.	
02.02	Describe the features of negotiable instruments. 	
02.03	Define intellectual property rights.	
02.04	Identify the appropriate use of employer property.	
02.05	Describe the role of confidentiality in business.	
02.06	Identify the importance of ethical reasoning and making decisions. Describe the personal and long term consequences of unethical decisions in the workplace.	
02.07	Apply ethical reasoning and judgment and act in accordance with legal responsibilities.	
02.08	Demonstrate conflict resolution skills.	
02.09	Discuss how values and attitudes influence behavior.	
02.10	Demonstrate knowledge of legal and privacy issues across all communication methods.	
03.0	Develop human resources skills – the student will be able to:  	
03.01	Identify the role and the importance of human resource functions in the business environment.	
03.02	Describe and conduct a job analysis.	
03.03	Identify the role, principles, and functions of recruitment and staffing.	
03.04	Describe the recruitment and staffing process.	
03.05	Demonstrate effective interview methods.	
03.06	Identify effective and efficient methods of new employee orientation and training.	
03.07	Identify the components of compensation and benefits plans.	
03.08	Describe the legal issues associated with compensation and benefits plans.	
03.09	Describe the administration of employer compensation and benefits plans. 	
03.10	Describe the provisions of laws as they guide human resources functions.	
03.11	Identify methods to protect organizations from potential legal actions.	
03.12	Identify and describe the performance appraisal methods.	
03.13	Demonstrate knowledge of the provisions of the Civil Rights Acts, EEOC legislation, OSHA, Rights of Women, Elderly, and the Handicapped, as they apply to human resource functions.	
03.14	Demonstrate an awareness of Federal and State administrative agencies, their duties and how they affect human resource managers.	
04.0	Demonstrate employability skills – the student will be able to:	
04.01	Identify sources of employment opportunities.	
04.02	Describe the job search process.	
04.03	Prepare an effective resume and cover letter.	
04.04	Complete an electronic job application form correctly.	
04.05	Prepare a resume for electronic distribution.	
04.06	Demonstrate effective job interview techniques and identify different types of interviews.	
04.07	Prepare a thank you response for an interview.	
04.08	Identify and demonstrate appropriate responses to feedback from supervisors.	
04.09	Identify and demonstrate acceptable work habits.	
04.10	Describe the importance of an employee’s ability to be flexible in the workplace.	
04.11	Demonstrate effective time management skills.	
04.12	Identify methods for securing an employment reference.	
05.0	Prepare and develop strategic and organizational skills – the student will be able to:	
05.01	Define effective leadership and identify key leadership behaviors.	
05.02	Compare different styles of leadership.	
05.03	Examine ways effective leaders develop, coach, and motivate.	
05.04	Define organization vision and mission.	
05.05	Identify and describe characteristics of effective strategies, goals, and objectives.	
05.06	Recognize different personality styles and how to interact effectively with them in the workplace.	
05.07	Explain how to effectively identify problems and solutions.	
05.08	Explain how effective leaders identify problems and make decisions.	
05.09	Compare different styles of managing conflict.	
05.10	Choose appropriate action in situations requiring application of business ethics.	
05.11	Identify techniques to assign work to others.	
05.12	Apply effective decision making processes to business situations.	
05.13	Define leadership and distinguish between leadership and management.	
06.0	Identify, classify, and demonstrate management activities – the student will be able to:	
06.01	Describe the functions of management and their impact on an organization’s ability to achieve its goals.	
06.02	Describe how an organization’s mission and vision affect managements’ formation of policy.	
06.03	Compare and contrast the formation of management policy in large and small organizations.	
06.04	Describe how the functions of management vary between for-profit and non-profit organizations.	
06.05	Describe management roles, including interpersonal, informational and decision-making.	
06.06	Describe various levels of management and their proportional skills.	
06.07	Discuss political, conceptual, interpersonal, technical, and diagnostic skills required in management. 	
06.08	Identify how a business strategy is formulated to achieve organizational objectives across organizational functions.	
06.09	Describe the value and application of data to management decision making. 	
06.10	Describe how marketing and innovation are significant contributions to successful management.   	
06.11	Identify the importance of managing culture of diversity in business environments.	
07.0	Demonstrate knowledge and application of personal insurance planning - the student will be able to:	
07.01	Understand and apply methods of analysis in handling person risk exposures, including insurance coverage alternatives.	
07.02	Understand and describe the integration of life, health and accident, property and liability, profit-sharing, and private and governmental insurance and pension programs.	
07.03	Discuss and understand negligence liability of automobile owners and operators.	
07.04	Explain the various automobile liability insurance policies.	
07.05	Understand the differences between automobile insurance policies.	
07.06	List and explain the different types of automobile policies and coverages.	
07.07	Understand and explain the procedures followed in rating automobile insurance.	
08.0	Demonstrate knowledge and application of personal and business property insurance – the student will be able to:	
08.01	Understand and explain personal and business property risks and coverages.	
08.02	Explain the underwriting, marketing and social problems associated with personal and business property insurance coverages.	
08.03	Identify the major roles of insurance.	
08.04	Describe coverage which may be used in handling personal and business property risks.	
08.05	Understand the insurer functions of Marketing, Underwriting, and Claims.	
08.06	Understand and discuss risk management techniques.	
09.0	Demonstrate knowledge of risk management and insurance – the student will be able to:	
09.01	Understand and describe commercial insurance, the property and liability loss exposures faced by most organizations and the corresponding types of insurance for covering these loss exposures.	
09.02	Understand and apply the principles, practices, and economics of insurance.	
09.03	Explain Fire, Life, and Casualty contracts.	
09.04	Analyze various types of business and contingency risks.	

Additional Information

Laboratory Activities

Laboratory investigations that include scientific inquiry, research, measurement, problem solving, emerging technologies, tools and equipment, as well as, experimental, quality, and safety procedures are an integral part of this career and technical program/course. Laboratory investigations benefit all students by developing an understanding of the complexity and ambiguity of empirical work, as well as the skills required to manage, operate, calibrate and troubleshoot equipment/tools used to make observations. Students understand measurement error; and have the skills to aggregate, interpret, and present the resulting data. Equipment and supplies should be provided to enhance hands-on experiences for students.

Career and Technical Student Organization (CTSO)

Phi Beta Lambda and Business Professionals of America (BPA) are the intercurricular career and technical student organizations providing leadership training and reinforcing specific career and technical skills.  Career and Technical Student Organizations provide activities for students as an integral part of the instruction offered.  The activities of such organizations are defined as part of the curriculum in accordance with Rule 6A-6.065, F.A.C.

Accommodations

Federal and state legislation requires the provision of accommodations for students with disabilities to meet individual needs and ensure equal access. Postsecondary students with disabilities must self-identify, present documentation, request accommodations if needed, and develop a plan with their counselor and/or instructors. Accommodations received in postsecondary education may differ from those received in secondary education. Accommodations change the way the student is instructed. Students with disabilities may need accommodations in such areas as instructional methods and materials, assignments and assessments, time demands and schedules, learning environment, assistive technology and special communication systems. Documentation of the accommodations requested and provided should be maintained in a confidential file.

Additional Resources

For additional information regarding articulation agreements, Bright Futures Scholarships, Fine Arts/Practical Arts Credit and Equivalent Mathematics and Equally Rigorous Science Courses please refer to:
http://www.fldoe.org/academics/career-adult-edu/career-tech-edu/program-resources.stml.