Workers Compensation and Employers Liability Policy

By the end of this insurance continuing education course, agents should fully understand:

• The three major sections of the WC and EL policy.
• The State and Federal Workers Compensation laws.
• Why employers Liability coverage is still needed.
• What is provided by Other States coverage.
• How the policy responds to employees while out of state and country.
• Provisions, exclusions, conditions, etc. in the standard WC & EL policy.
• Major endorsements used to modify policy; how and when used.
• Overview of pricing and underwriting of WC & EL coverage.

This course will help agents to understand and explain to clients the coverages needed by employers due to various state and federal laws, the forms and endorsements available to meet those needs, and assist agents in recommending the proper coverage forms and endorsements for their client’s needs, allowing agents to provide better service to their clients.

North Dakota State Requirements

Updated: 12/16/2013

Continuing Education Hours

24 hours, including 3 hours of ethics, per biennial reporting period

Crop licensed agents must complete at least 12 hours per reporting period,6 hours annually

Course Subject Requirements

Agents wishing to sell LTC must also complete a 8-hour LTC requirement prior to selling LTC products. The LTC requirement counts towards the completion of the basic CE requirement. By the end of each consecutive renewal period, agents must complete a 4-hour "refresher" state-approved LTC course to continue selling LTC.

All North Dakota Property licensed resident insurance producers who sell federal flood insurance policies under the NFIP must complete a one-time 3 credit course related to the NFIP.

All producers must complete Annuity training prior to selling, soliciting, or negotiating such products.

Continuing Education Compliance/Reporting Date

The license expiration date is the last day of the producer's birth month every 2 years.

License Renewal Date

Same as compliance date

Type of courses accepted for CE Credit

Independent self-study courses or Classroom

Final Exam

Final exams for self-study do not need to be monitored

Carryover

A maximum if 12 hours, earned only in the second half of the biennial reporting period, may be carried over to the next reporting period

Course Repetition

Credit will not be given for a course that is repeated within a 2 year period.

Exemptions

• Individuals licensed exclusively for the sale of legal expense insurance, title insurance, travel baggage insurance, surety bonds, bail bonds, and credit life/accident & health insurance.
• Individuals who are at least 62 years old and whose combined total continuous years of license plus their age equals 85 or more.
• Newly licensed individuals are exempt for the calendar year in which they are first licensed. Beginning January 1 of the year following licensing they must comply with continuing education requirements.
• Non-resident agents who meet their home state CE requirements.

Method to Certify Completion

You will be able to print your certificate of completion online once you have completed your exam. The course provider reports credits earned to the insurance department. The licensee transfers information from the certificates of completion to North Dakota's summary report form. The summary report and the CE filing fee must be submitted to the insurance department by the compliance date. The licensee keeps a copy of the summary report and the original certificates of completion in their files for at least 1 year.

Roster Fees

A roster fee of $1.00 per credit hour ordered is required to process course completion hours in North Dakota and will be added ot the order total upon checkout.

Nonresidents

Exempt if licensee meets home state CE requirement. Nonresidents submit a signed and dated statement from the Producer Database (PDB) indicating the producer is active in the state where the resident license is maintained along with the $25.00 filing fee.

For Additional Information please Contact:

North Dakota Insurance Department
5th Floor, State Capitol Building
600 E. Boulevard Ave. Dept. 401
Bismarck, ND 58505-0320

Phone: (701)328-3548 ext. 1 or (701) 328-3548 ext. 2
Fax: (701)328-4880

Email: ndlicensing@nd.gov

State Website: http://www.state.nd.us/

Course Format

System Requirements: Please note that Mozilla firefox 20 download here or Internet explorer 9 or higher: Download here 
are required to view our website when you wish to access the learning center. You should also note that taking courses over a wireless internet connection is not advised. When taking your exams you should try to be on a wired internet connection to your computer.

If your state requires monitored exams, you must have your monitor sign-in and follow the monitor instructions BEFORE you begin the exam.  See the State Information tab, Monitor tab and Help Center for more information.

How to Redeem Vouchers