2017 – 2018
Florida Department of Education
Curriculum Framework -Proposed

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

CCC	
CIP Number	0552020108	
Program Type	College Credit	
Standard Length	18 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 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 and effective 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 18 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	Demonstrate knowledge and application of product and service technology.
04.0	Develop appropriate business records for an insurance agency.
05.0	Demonstrate knowledge of employee compensation and benefits plan. 
06.0	Develop a successful promotion plan for an insurance agency.

2017 – 2018
Florida Department of Education
Student Performance Standards

Program Title:	Risk Management and Insurance Operations
CIP Number:		0552020108
Program Length:	18 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 withstand conflict and resolve it when dealing with difficult people.	
01.06	Discuss the need to use appropriate tone and professional demeanor in business communications, including e-mails, correspondence, conference calls, and conversation.  Demonstrate effective listening skills.	
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 making decisions that are based on ethical reasoning and describe the personal and long term consequences of unethical choices in the workplace.	
02.07	Use ethical reasoning and judgment and act in accordance with legal responsibilities.	
02.08	Demonstrate conflict resolution skills.	
02.09	Recognize different personality styles and how to interact effectively with them in the workplace.	
02.10	Discuss how values and attitudes influence behavior.	
02.11	Demonstrate knowledge of legal and privacy issues regarding e-mail, voice mail, internet, telephone, and other communication methods.	
03.0	Demonstrate knowledge and application of product and service technology. – The student will be able to:	
03.01	Explain the terms, conditions, and coverage found in the standard fire policy.	
03.02	List and explain the purposes of the forms that can be added to the standard fire policy.	
03.03	Understand and discuss the standard clauses found in various fire and allied forms.	
03.04	List and explain the various dwelling coverage forms available.	
03.05	Understand and discuss the different types of insurance contracts available to cover consequential and contingent losses.	
03.06	Understand the procedure followed in the rating of fire and allied lines insurance contracts, and demonstrate this understanding.	
03.07	Explain the purpose and scope of the special flood and windstorm programs.	
03.08	Understand and discuss the basic inland marine policy.	
03.09	List the major personal inland marine coverage and explain the uses and differences.	
03.10	Understand the procedure followed in the rating of inland marine insurance contracts and demonstrate this understanding.	
03.11	Discuss the principles and application of the law of negligence.	
03.12	Discuss the different personal liability coverage and explain the differences among them.	
03.13	Understand the procedure followed in the rating of general liability insurance and demonstrate this understanding.	
03.14	Discuss the negligence liability of automobile owners and operators.	
03.15	Explain the various automobile liability insurance plans.	
03.16	Discuss the different automobile insurance policies and explain the differences among them.	
03.17	List and explain the different types of automobile coverage.	
03.18	Understand the procedure followed in the rating of automobile insurance and demonstrate this understanding.	
03.19	Discuss the purpose and operation of the Florida Joint Underwriters Association (FJUA).	
03.20	Explain the Florida Automobile Reparation Reform Act (Personal Injury Protection-PIP).	
03.21	Define the basic crime terms.	
03.22	Discuss the development of the Homeowners policy.	
03.23	Determine the types of risks that are eligible for the Homeowners program.	
03.24	State the limits of liability required under the various Homeowners forms.	
03.25	List and discuss the basic Homeowners coverage forms.	
03.26	Discuss the various optional Homeowners coverage forms.	
03.27	Demonstrate an understanding of the procedure followed in the rating of Homeowners contracts.	
03.28	Explain why life insurance is needed by our society.	
03.29	Define the terms used in life insurance.	
03.30	Identify and explain the various types of life insurance.	
03.31	Explain the basic life insurance policy and its provisions.	
03.32	Identify and explain the payment procedures and options for life insurance.	
03.33	Explain Florida's rules and regulations relative to life insurance.	
03.34	Define health insurance.	
03.35	Explain the importance of the health insurance application form.	
03.36	Identify and explain the difference between individual and group health insurance.	
03.37	Discuss the importance of uniform provisions in a health insurance policy.	
04.0	Develop appropriate business records for an insurance agency. – The student will be able to:	
04.01	Discuss why business firms need good record systems.	
04.02	Identify appropriate business records for an insurance agency.	
04.03	List reasons why business records should be protected.	
04.04	Describe how budgets are used to run business firms efficiently.	
04.05	Complete identified business records accurately.	
05.0	Demonstrate knowledge of employee compensation and benefits plan. – The student will be able to:	
05.01	Distinguish between the various types of wage and salary plans.	
05.02	Identify reasons why different wages and salaries are paid for different jobs.	
05.03	Describe the most common kinds of fringe benefits.	
05.04	Explain major provisions of both the Occupational Safety and Health Act and the Social Security Act.	
06.0	Develop a successful promotion plan for an insurance agency. – The student will be able to:	
06.01	Identify the major methods of promotion.	
06.02	List the sources of advertising.	
06.03	Identify information sources for planning an advertising program.	
06.04	Discuss factors involved in managing promotion including cost, timeliness, and legality.	
06.05	Explain how understanding the customer can improve personal selling.	
06.06	Show how a salesperson can use product knowledge.	
06.07	Instruct employees in effective sales techniques.	

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.