Curriculum: Indiana Property & Casualty Insurance Prelicensing (40-Hour)

Orient Indiana Property & Casualty candidates to the Indiana Department of Insurance (IDOI) authority under Title 27, producer licensing under IC 27-1-15.6, continuing education under IC 27-1-15.7, unfair trade and claims practices under IC 27-4-1 and IC 27-4-1-4.5, rate regulation under IC 27-1-22, the six elements of a valid insurance contract, the legal characteristics of insurance contracts (aleatory, adhesion, unilateral, conditional, personal, indemnity), insurable interest in property, utmost good faith, representations/warranties/concealment/fraud, indemnity, subrogation, salvage and abandonment, actual cash value versus replacement cost, and coinsurance — all aligned to the Pearson VUE Indiana Property & Casualty examination outline.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 1: Orientation, Indiana P&C Licensing Rules, and Insurance Contract Fundamentals.
• -Apply the lesson's rules to realistic Indiana property and casualty insurance transactions — including auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and surplus lines sales, quoting, binding, claims, and renewal.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/CR form structures, and Indiana statutory limits that shape property and casualty products covered in this lesson.

Master the ISO Personal Auto Policy (PAP) PP 00 01 and its six coverage parts (Liability, Medical Payments, Uninsured/Underinsured Motorists, Damage to Your Auto, Duties After Loss, General Provisions), the Indiana mandatory financial responsibility law under IC 27-7-5 (including the IC 27-7-5-2 minimum auto liability limits of 25/50/25), SR-22 filings, the Indiana Auto Insurance Plan (IAIP) under IC 27-7-6, Indiana's at-fault tort system under IC 27-7-9, modified comparative fault and the 51% bar under IC 34-51-2, the ISO Business Auto Policy (BAP), Hired and Non-Owned Auto, Garage Liability, the MCS-90 endorsement for motor carriers, Transportation Network Companies, and Indiana-specific auto claims handling — at the depth required to pass the Pearson VUE Indiana Property & Casualty examination.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 2: Auto Insurance, ISO Personal Auto Policy, Indiana Financial Responsibility, and Comparative Fault.
• -Apply the lesson's rules to realistic Indiana property and casualty insurance transactions — including auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and surplus lines sales, quoting, binding, claims, and renewal.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/CR form structures, and Indiana statutory limits that shape property and casualty products covered in this lesson.

Master the ISO Homeowners forms (HO-2, HO-3, HO-4, HO-5, HO-6, HO-8) and their architecture and selection, the HO coverage parts A through F (dwelling, other structures, personal property, loss of use, personal liability, medical payments), the Dwelling Fire policies (DP-1, DP-2, DP-3), mobile homeowners forms (MH-1, MH-2), actual cash value versus replacement cost, coinsurance and agreed value, the ISO Commercial Property forms, Indiana rate regulation under IC 27-1-22, Indiana cancellation and non-renewal under IC 27-7-2, the Indiana FAIR Plan as the property residual market, the New Madrid Seismic Zone and earthquake endorsements, the National Flood Insurance Program (NFIP), the private flood market, builders risk insurance, inland marine, personal articles floaters, and personal umbrella policies — at the depth required to pass the Pearson VUE Indiana Property & Casualty examination.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 3: Property Insurance — Homeowners, Dwelling Fire, Commercial Property, NFIP, and the Indiana FAIR Plan.
• -Apply the lesson's rules to realistic Indiana property and casualty insurance transactions — including auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and surplus lines sales, quoting, binding, claims, and renewal.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/CR form structures, and Indiana statutory limits that shape property and casualty products covered in this lesson.

Master the Commercial General Liability policy (ISO CG 00 01), occurrence versus claims-made trigger, products-completed operations, Indiana Workers' Compensation under Title 22 Article 3, Indiana Medical Malpractice and the Patient's Compensation Fund under IC 34-18, Errors and Omissions and professional liability, Directors and Officers (D&O) and Employment Practices Liability (EPLI), Cyber Liability, Indiana Dram Shop and liquor liability, surety bonds (contract, license/permit, fiduciary, judicial), and Commercial Umbrella and Excess Liability — at the depth required to pass the Pearson VUE Indiana Property & Casualty casualty content area.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 4: Commercial General Liability, Workers' Compensation, Medical Malpractice, E&O, D&O, Cyber, Liquor, and Surety.
• -Apply the lesson's rules to realistic Indiana property and casualty insurance transactions — including auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and surplus lines sales, quoting, binding, claims, and renewal.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/CR form structures, and Indiana statutory limits that shape property and casualty products covered in this lesson.

Cover ocean marine insurance (hull, cargo, freight, P&I, the four perils, general average, particular average, sue and labor), inland marine (Nationwide Marine Definition, transit, contractors' equipment, builders risk, installation, EDP/cyber-equipment, jewelers block, fine arts), aviation insurance (hull, liability, passenger, in-flight versus on-ground), Crime insurance under ISO CR 00 21 and CR 00 22 (employee theft, forgery, computer fraud, funds transfer fraud), Cyber liability deep dive, additional D&O/EPLI context, Surety bonds catalog, Excess and Umbrella Liability, and Surplus Lines insurance in Indiana under IC 27-1-15.8 — at the depth required for the Pearson VUE Indiana Property & Casualty specialty lines content.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 5: Marine, Aviation, Crime, Specialty Lines, and Excess & Surplus.
• -Apply the lesson's rules to realistic Indiana property and casualty insurance transactions — including auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and surplus lines sales, quoting, binding, claims, and renewal.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/CR form structures, and Indiana statutory limits that shape property and casualty products covered in this lesson.

Master underwriting fundamentals (information sources, hazards, the underwriting process, adverse selection, the law of large numbers), risk classification and rating (class, schedule, experience, retrospective, manual, judgment, debits and credits), Indiana rate regulation under IC 27-1-22, policy endorsements and modifications, cancellation and non-renewal mechanics under IC 27-7-2, the full claims-handling lifecycle, unfair claims settlement practices and timeframes under IC 27-4-1-4.5, reservation of rights and non-waiver agreements, Indiana common-law bad faith (Erie Insurance v. Hurst), and the Indiana Insurance Guaranty Association under IC 27-6-8 — at the depth required for the Pearson VUE Indiana Property & Casualty examination.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 6: Underwriting, Rating, Endorsements, Cancellation, Claims Handling, Bad Faith, and the Indiana Insurance Guaranty Association.
• -Apply the lesson's rules to realistic Indiana property and casualty insurance transactions — including auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and surplus lines sales, quoting, binding, claims, and renewal.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/CR form structures, and Indiana statutory limits that shape property and casualty products covered in this lesson.

Consolidate producer licensing and discipline grounds under IC 27-1-15.6 and IC 27-1-15.6-12, CE compliance under IC 27-1-15.7, the full Indiana unfair-trade-practice catalog under IC 27-4-1, unfair claims settlement under IC 27-4-1-4.5, cancellation and non-renewal of property insurance under IC 27-7-2, mandatory financial responsibility under IC 27-7-5, the Indiana Automobile Insurance Plan under IC 27-7-6, uninsured/underinsured motorist coverage under IC 27-7-8, Indiana's at-fault tort system under IC 27-7-9, comparative fault under IC 34-51-2, Workers' Compensation under IC 22-3, Medical Malpractice under IC 34-18, mechanic's liens under IC 32-28-3, genetic-information protections under IC 27-2-21, cybersecurity and 3-business-day insurer-to-IDOI breach notification under IC 27-2-27-21(c) (with 45-day consumer notification under IC 24-4.9), the Indiana Insurance Guaranty Association under IC 27-6-8, 760 IAC 1-* administrative rules, and the Indiana ethics catalog — and rehearse the Pearson VUE Indiana Property & Casualty examination via a 150-question Pearson-VUE-style mock final with answer key and answer-letter distribution audit.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 7: Indiana Insurance Law, Ethics, Federal Compliance, and Pearson VUE 150-Question Mock Final.
• -Apply the lesson's rules to realistic Indiana property and casualty insurance transactions — including auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and surplus lines sales, quoting, binding, claims, and renewal.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/CR form structures, and Indiana statutory limits that shape property and casualty products covered in this lesson.