Prelicenciamiento de Seguros de Propiedad y Responsabilidad de Georgia (16 horas)

Sixteen-hour internet self-study prelicencia course (8 hours Property + 8 hours Casualty under Rule 120-2-3-.08) for the combined Georgia Propiedad y Responsabilidad producer license under O.C.G.A. Title 33. Seven sequential lessons covering property and casualty fundamentals (risk/peril/hazard, the insurance contract, policy structure, ACV/replacement cost, coinsurance, indemnity, subrogation), the Georgia P&C regulatory core under O.C.G.A. Title 33 (cancellation/nonrenewal 33-24-44/33-24-45, rate regulation Chapter 33-9, binders 33-24-33, the Georgia Insurers Insolvency Pool Chapter 33-36), dwelling and homeowners coverage (DP/HO forms, Coverages A-F, the flood/earthquake exclusion and NFIP gap, personal liability and medical payments, endorsements and the mortgagee clause), commercial property and business coverage (CPP/BOP, the Building and Personal Property Coverage Form, business income and extra expense, inland marine, crime, equipment breakdown), the Georgia property overlay (the FAIR Plan / Georgia Underwriting Association under O.C.G.A. 33-33), casualty/general liability/commercial auto (negligence and damages, the CGL occurrence vs. claims-made triggers, the Business Auto Policy covered-auto symbols, umbrella and professional liability), and the Georgia casualty/auto framework (Georgia as an AT-FAULT tort state with NO no-fault/PIP, the 25/50/25 minimum limits and financial responsibility under O.C.G.A. 33-7-11 and Title 40 Chapter 9, UM/UIM, the Georgia Automobile Insurance Plan assigned-risk mechanism, workers' compensation under O.C.G.A. Title 34 Chapter 9, and the O.C.G.A. 33-9-42 defensive-driving discount). Concludes with a monitored 100-question final exam (90 minutes, 70% passing). The separate Pearson VUE Georgia Propiedad y Responsabilidad exam is taken after this course.