Cal. Code Regs. tit. 10 § 2187.4

Current through Register 2024 Notice Reg. No. 45, November 8, 2024

Section 2187.4 - Prelicensing Education for Personal Lines Broker-Agent

(a) Any course taken to satisfy the personal lines broker-agent prelicensing education requirement of Section 1749 of the California Insurance Code shall use the general subject matter derived from the following curriculum:

I. GENERAL INSURANCE (35 percent of examination questions)--includes "II. Property Insurance)

A. Basic Insurance Concepts and Principles

B. Contract Law

C. The Insurance Marketplace

1. Distribution Systems

2. Producers

3. Insurers

4. Market Regulation

5. Excess and Surplus (E&S) Lines

II. PROPERTY INSURANCE

A. Basic Legal Concepts: Tort Law

B. Property

1. Basics

2. Policies

III. PERSONAL LINES INSURANCE (65 percent of examination questions of which 2 percent of examination questions are specific to Homeowners' Insurance Valuation)

A. Insurance on a Residence

1. General Concepts

2. Property Coverage

a. Homeowners Policy

b. Dwelling Policy

3. Liability Coverage -- Comprehensive Personal Liability/Dwelling Liability

4. Endorsements

B. Homeowners' Insurance Valuation

1. General Concepts and Section 1749.85 of the California Insurance Code

2. Insurance on a Residence

3. Earthquake Coverage

4. California Fair Access to Insurance Requirements (FAIR) Plan

5. Fire Mitigation and How it Affects Insurance Costs

C. Inland Marine

1. Personal Watercraft -- Personal Insurance

D. Government/Pools/Catastrophe -- Property Insurance

1. Earthquake Coverage

2. California Fair Access to Insurance Requirements (FAIR) Plan

3. National Flood Insurance

E. Personal Auto

1. General Concepts

2. Liability/Medical/Uninsured Motorist

3. Physical Damage/Miscellaneous

4. California Automobile Assigned Risk Plan (CAARP)

5. Motorcycles

6. Recreational Vehicles

F. Umbrella and Excess Liability Insurance

(b) The examination required for licensure as a personal lines broker-agent, pursuant to Section 1676 of the California Insurance Code, shall be based on the subject matter reflected in the foregoing curriculum.

Cal. Code Regs. Tit. 10, § 2187.4

1. New section filed 11-18-2002 as an emergency; operative 11-18-2002 (Register 2002, No. 47). A Certificate of Compliance must be transmitted to OAL by 3-18-2003 or emergency language will be repealed by operation of law on the following day.
2. New section refiled 3-20-2003 as an emergency; operative 3-20-2003 (Register 2003, No. 12). A Certificate of Compliance must be transmitted to OAL by 7-18-2003 or emergency language will be repealed by operation of law on the following day.
3. Certificate of Compliance as to 3-20-2003 order transmitted to OAL 7-10-2003 and filed 8-21-2003 (Register 2003, No. 34).
4. Renumbering of former section 2187.4 to section 2187.5 and renumbering and amendment of former section 2187.3 to section 2187.4 filed 2-23-2010; operative 3-25-2010 (Register 2010, No. 9).
5. Amendment of section and NOTE filed 10-22-2014; operative 2-19-2015 pursuant to Government Code section 11343.4(b)(2) (Register 2014, No. 43).

Note: Authority cited: Section 1749.7, Insurance Code. Reference: Sections 1676, 1749 and 1749.1, Insurance Code.

1. New section filed 11-18-2002 as an emergency; operative 11-18-2002 (Register 2002, No. 47). A Certificate of Compliance must be transmitted to OAL by 3-18-2003 or emergency language will be repealed by operation of law on the following day.
2. New section refiled 3-20-2003 as an emergency; operative 3-20-2003 (Register 2003, No. 12). A Certificate of Compliance must be transmitted to OAL by 7-18-2003 or emergency language will be repealed by operation of law on the following day.
3. Certificate of Compliance as to 3-20-2003 order transmitted to OAL 7-10-2003 and filed 8-21-2003 (Register 2003, No. 34).
4. Renumbering of former section 2187.4 to section 2187.5 and renumbering and amendment of former section 2187.3 to section 2187.4 filed 2-23-2010; operative 3-25-2010 (Register 2010, No. 9).
5. Amendment of section and Note filed 10-22-2014; operative 2/19/2015 pursuant to Government Code section 11343.4(b)(2) (Register 2014, No. 43)