2014 – 2015
Florida Department of Education
Curriculum Framework 

Program Title:	Insurance General Lines Agent
Program Type:	Career Preparatory
Career Cluster:	Finance

PSAV	
Program Number	M810014	
CIP Number	0252190805	
Grade Level	30, 31	
Standard Length	200 hours	
Teacher Certification	INSURANCE 7 G	
CTSO	Collegiate DECA
Phi Beta Lambda	
SOC Codes (all applicable) 	41-3021 – Insurance Sales Agents	
Facility Code	http://www.fldoe.org/edfacil/sref.asp (State Requirements for Educational Facilities)	
Targeted Occupation List	http://www.labormarketinfo.com/wec/TargetOccupationList.htm	
Perkins Technical Skill Attainment Inventory	http://www.fldoe.org/workforce/perkins/perkins_resources.asp 	
Industry Certifications	http://www.fldoe.org/workforce/fcpea/default.asp 	
Statewide Articulation	http://www.fldoe.org/workforce/dwdframe/artic_frame.asp 	
Basic Skills Level	N/A	

Purpose

This program offers a sequence of courses that provides coherent and rigorous content aligned with challenging academic standards and relevant technical knowledge and skills needed to prepare for further education and careers in the Finance career cluster; provides technical skill proficiency, and includes competency-based applied learning that contributes to the academic knowledge, higher-order reasoning and problem-solving skills, work attitudes, general employability skills, technical skills, and occupation-specific skills, and knowledge of all aspects of the Finance career cluster.

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 one occupational completion points.

This program is comprised of courses which have been assigned course numbers in the SCNS (Statewide Course Numbering System) in accordance with Section 1007.24 (1), F.S.  Career and Technical credit shall be awarded to the student on a transcript in accordance with Section 1001.44(3)(b), F.S.

The following table illustrates the postsecondary program structure:

OCP	Course Number	Course Title	Length	SOC Code	
A	RMI0096	Insurance General Lines Agent	200 hours	41-3021	

Regulated Programs

The program prepares students for the position of (Insurance) General Lines Agent.  This program is for all participants who deal with the ultimate consumer and must obtain a Florida insurance license.  

The specific curriculum used by the instructor must be pre-approved by the Florida Department of Insurance, Bureau of Agent and Agency Licensing.  Instructor qualifications must meet Section 4-211.160.  The course must use the approved course outline specified in Section 4-211.170.  Other rules apply pertaining to entities, school officials, schedule and attendance records, certification of students, attendance, exempted courses, examinations, fees, facilities, forms, penalties, etc.  Obtain Packet 4-211 from the Department of Insurance for complete details.

After successful completion, students’ names are reported to the Department of Insurance, Bureau of Agent and Agency Licensing making them eligible to take the appropriate state exam.

Common Career Technical Core – Career Ready Practices

Career Ready Practices describe the career-ready skills that educators should seek to develop in their students.  These practices are not exclusive to a Career Pathway, program of study, discipline or level of education.  Career Ready Practices should be taught and reinforced in all career exploration and preparation programs with increasingly higher levels of complexity and expectation as a student advances through a program of study. 

1. Act as a responsible and contributing citizen and employee. 

2. Apply appropriate academic and technical skills. 

3. Attend to personal health and financial well-being. 

4. Communicate clearly, effectively and with reason. 

5. Consider the environmental, social and economic impacts of decisions. 

6. Demonstrate creativity and innovation. 

7. Employ valid and reliable research strategies. 

8. Utilize critical thinking to make sense of problems and persevere in solving them. 

9. Model integrity, ethical leadership and effective management. 

10. Plan education and career path aligned to personal goals. 

11. Use technology to enhance productivity. 

12. Work productively in teams while using cultural/global competence. 

Standards

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

01.0	Demonstrate an understanding of Property and Liability Concepts.
02.0	Demonstrate an understanding of Automobile Insurance.
03.0	Demonstrate an understanding of Property Insurance.
04.0	Demonstrate an understanding of General Liability Insurance.
05.0	Demonstrate an understanding of Package Policies.
06.0	Demonstrate an understanding of Workers’ Compensation.
07.0	Demonstrate an understanding of Crime including Employee dishonesty.
08.0	Demonstrate an understanding of Surety Bonds.
09.0	Demonstrate an understanding of Marine Insurance.
10.0	Demonstrate an understanding of Aviation.
11.0	Demonstrate an understanding of Boiler and Machinery. 
12.0	Demonstrate an understanding of Health Insurance
13.0	Demonstrate an understanding of the Department of Financial Services.
14.0	Demonstrate an understanding of miscellaneous Florida Automobile Laws.
15.0	Demonstrate an understanding of Agent Licensing.
16.0	Demonstrate an understanding of Unfair Trade Practices.
17.0	Demonstrate an understanding of Definitions.
18.0	Demonstrate an understanding of Residual Markets.
19.0	

2014 – 2015
Florida Department of Education
Student Performance Standards

Program Title:	Insurance General Lines Agent
PSAV Number:	M810014

Course Number:  RMI0096 
Occupational Completion Point:  A 
Insurance General Lines Agent – 200 Hours – SOC Code 41-3021	
01.0	Demonstrate an understanding of Property and Liability Concepts – the student will be able to:	
01.01	Explain Risk.	
01.02	Explain the Insurance Policy and Binders.	
01.03	Describe the characteristics of an Insurance Contract.	
01.04	Explain Property Insurance Concepts.	
01.05	Describe Liability Insurance Concepts.	
01.06	Compare and contrast Common Insurance Policy Conditions.	
01.07	Explain conditions in which the insurer will not perform.	
02.0	Demonstrate an understanding of Automobile Insurance – the student will be able to:	
02.01	Explain the dynamics of a Personal Auto Policy.	
02.02	Explain the dynamics of a Business Auto Policy.	
02.03	Describe the Truckers Coverage form.	
02.04	Detail Garage Insurance.	
02.05	Detail Mechanical Breakdown Insurance.	
03.0	Demonstrate an understanding of Property Insurance – the student will be able to:	
03.01	Detail the components of a Commercial Property Policy.	
03.02	Explain Dwelling Risks.	
03.03	Describe the components of Farm Coverage.	
03.04	Detail Flood Insurance.	
04.0	Demonstrate an understanding of General Liability Insurance – the student will be able to:	
04.01	Detail the parts of the Commercial General Liability Contract (CGL).	
04.02	Compare and contrast Excess Liability and Umbrella Policies.	
04.03	Detail the standard forms of Professional Liability.	
04.04	Explain Personal Liability.	
04.05	Explain Farm Liability.	
04.06	Explain Employment-Related Practices Liability.	
05.0	Demonstrate an understanding of Package Policies – the student will be able to:	
05.01	Detail Homeowner’s Policies.	
05.02	Explain Commercial Package Policies.	
05.03	Detail the Business Owners’ Policy.	
06.0	Demonstrate an understanding of Workers’ Compensation – the student will be able to:	
06.01	Define Employers and Employees.	
06.02	Explain the Penalties For Noncompliance.	
06.03	Explain the three categories of Compensation.	
06.04	Detail the miscellaneous Law Provisions.	
06.05	Detail the parts of Employers Liability Insurance.	
06.06	Explain the “rating” process and plans.	
07.0	Demonstrate an understanding of Crime including Employee Dishonesty – the student will be able to:	
07.01	Detail the components of Crime and Employee Dishonesty Insurance.	
07.02	Explain the Commercial Crime Forms.	
07.03	Explain Primary Insuring Agreements.	
07.04	List additional insuring agreements that may be added by Endorsements.	
07.05	Compare and contrast Discovery versus Loss Sustained Coverage.	
07.06	Explain other Crime Coverage Provisions.	
08.0	Demonstrate an understanding of Surety Bonds – the student will be able to:	
08.01	Compare and contrast Suretyship versus Insurance.	
08.02	Explain the Parties to a Bond.	
08.03	Detail the Bonding Process.	
08.04	Describe Contract Bonds.	
08.05	Compare and contrast Fiduciary and Court Bonds.	
08.06	Explain License and Permit Bonds.	
08.07	Explain Miscellaneous Bonds (e.g., lost instrument).	
09.0	Demonstrate an understanding of Marine Insurance – the student will be able to:	
09.01	Define Inland Marine Insurance.	
09.02	Detail the components of Personal Inland Marine Policies.	
09.03	Detail the components of Commercial Inland Marine Policies.	
09.04	Explain Ocean Marine Insurance.	
10.0	Demonstrate an understanding of Aviation Insurance – the student will be able to:	
10.01	Detail the components of Aircraft Policies.	
10.02	Describe Special Aviation Insurance Coverages.	
10.03	Discuss exclusions found in Aircraft Insurance Policies.	
10.04	List Underwriting Considerations.	
11.0	Demonstrate an understanding of Boiler and Machinery Insurance – the student will be able to:	
11.01	Detail the Boiler and Machinery Coverage Form.	
11.02	Explain Objects Definitions Forms.	
11.03	Explain Indirect Loss Coverage Endorsements.	
11.04	Describe commonly used Miscellaneous Options.	
11.05	Compare and contrast the two available Small Business Forms.	
12.0	Demonstrate an understanding of Health Insurance – the student will be able to:	
12.01	Explain General Policy Provisions.	
12.02	Describe the major forms of Health Insurance policies.	
13.0	Demonstrate the understanding of the Department of Financial Services – the student will be able to:	
13.01	Describe General Duties and Powers.	
13.02	Explain the Examination of Books and Records.	
14.0	Demonstrate an understanding of Miscellaneous Automobile Laws – the student will be able to:	
14.01	Describe the components of Financial Responsibility law.	
14.02	Discuss Uninsured and Underinsured Motorists law.	
14.03	Explain Cancellation and Non-Renewal options.	
14.04	Explain Glass Deductibles.	
14.05	Describe the components of Florida Automobile No-Fault (PIP).	
15.0	Demonstrate an understanding of Agent Licensing – the student will be able to:	
15.01	List Persons Required To Be Licensed.	
15.02	Discuss Appointments.	
15.03	Explain How To Maintain A License.	
15.04	Define Suspension, Termination, Revocation of License, and Other Penalties.	
15.05	Discuss Ethics.	
15.06	Explain Unauthorized Entities.	
15.07	Describe Premium Discounts/Mitigation Options.	
16.0	Demonstrate an understanding of Unfair Trade Practices – the student will be able to:	
16.01	Define Sliding.	
16.02	Define Coercion. 	
16.03	Define Misrepresentation. 	
16.04	Define Defamation.	
16.05	Explain Unfair Discrimination. 	
16.06	Explain Unfair Claims Settlement. 	
16.07	Define Fraud. 	
16.08	Explain Controlled Business.	
17.0	Demonstrate an understanding of Definitions – the student will be able to:	
17.01	Define Insurance Transaction. 	
17.02	Define Domestic, Foreign and Alien Companies. 	
17.03	Define Authorized, Unauthorized and Eligible Companies. 	
17.04	Define Stock and Mutual Companies. 	
17.05	Define Certificate of Authority.	
18.0	Demonstrate an understanding of Residual Markets – the student will be able to:	
18.01	Explain Florida Automobile Joint Underwriting Association (FAJUA).	
18.02	Explain Citizens Property Insurance Corporation (Citizens).	
18.03	Describe Florida Workers Compensation Joint Underwriting Association (FWCJUA). 	

Additional Information

Laboratory Activities

Laboratory activities are an integral part of this program.  These activities include instruction in the use of safety procedures, tools, equipment, materials, and processes related to these occupations.  Equipment and supplies should be provided to enhance hands-on experiences for students. 

Career and Technical Student Organization (CTSO)

Collegiate DECA and Phi Beta Lambda are the appropriate career and technical student organization for 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.

Cooperative Training – OJT

On-the-job training is appropriate but not required for this program.  Whenever offered, the rules, guidelines, and requirements specified in the OJT framework apply. 

Accommodations

Federal and state legislation requires the provision of accommodations for students with disabilities as identified on the secondary student’s Individual Educational Plan (IEP) or 504 plan or postsecondary student’s accommodations’ plan 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.

In addition to accommodations, some secondary students with disabilities (students with an IEP served in Exceptional Student Education (ESE)) will need modifications to meet their needs.  Modifications change the outcomes or what the student is expected to learn, e.g., modifying the curriculum of a secondary career and technical education course.  Note: postsecondary curriculum and regulated secondary programs cannot be modified.

Some secondary students with disabilities (ESE) may need additional time (i.e., longer than the regular school year), to master the student performance standards associated with a regular Occupational Completion Point (OCP) or a Modified Occupational Completion Point (MOCP).  If needed, a student may enroll in the same career and technical course more than once.  Documentation should be included in the IEP that clearly indicates that it is anticipated that the student may need an additional year to complete an OCP/MOCP.  The student should work on different competencies and new applications of competencies each year toward completion of the OCP/MOCP.  After achieving the competencies identified for the year, the student earns credit for the course.  It is important to ensure that credits earned by students are reported accurately.  The district’s information system must be designed to accept multiple credits for the same course number for eligible students with disabilities.

Articulation

This program has no statewide articulation agreement approved by the Florida State Board of Education.  However, this does not preclude the awarding of credits by any college through local agreements. 

For details on statewide articulation agreements which correlate to programs and industry certifications, refer to http://www.fldoe.org/workforce/dwdframe/artic_frame.asp.