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.

Oregon State Requirements

Updated: 12/16/2013

Continuing Education Hours

• All producers must complete 24 hours including 3 hours of ethics and 3 hours of Oregon law.
• Individuals who hold a CLU or CPCU designation must complete 24 hours biennially.
• Individuals who were exempt from the license exam due to having sufficient work experience or completing course work to obtain an industry-recognized designation may count the experience or course work as equivalent to having held the agent license for three years, and will have their CE requirement altered accordingly (contact the insurance department for details).
• Individuals who were previously licensed as an agent in Oregon or in another state will have an altered CE requirement, based on the number of years previously licensed (contact the insurance department for details).

Course Subject Requirements

• Courses must be approved for the lines of insurance for which the agent is licensed.
• Agent must complete three hours of Oregon law and two hours of ethics as part of the basic requirement.

• Agents wishing to sell LTC must also complete a 8-hourLTC 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.

• Agents wishing to sell flood insurance must also complete a one-time, 3 hour flood course approved for National Flood Insurance Program (NFIP) training.

Continuing Education Compliance Date

The compliance date is the license renewal date.

License Renewal Date

The license renewal date is the last day of the producer's birth month, biennially.

Types of courses accepted for CE Credit

Independent self-study courses and classroom study.

Final Exam

• Online Interactive self study courses DO NOT require a monitor.
• Paper-based courses and course exams MUST be monitored by a state-registered proctor OR a third party who is a librarian, clergyman, state or community college representative, certified public accountant (CPA) or attorney.

Carryover Requirements

No excess CE credit hours may be carried over to the next reporting period.

Course Repetition

Courses may not be taken for credit more than once in a renewal period.

Exemptions

• Non-residents are exempt.
• Individuals holding limited lines licenses for which an exam is not required.
• Individuals who are retired, at least 58 years of age, have been licensed for at least 10 years, authorized to transact life insurance only and will be servicing existing policies only. This exemption requires department approval.

Method to Certify Completion

Sandi Kruise Insurance Training reports course completion information directly to the Insurance Division through the SBS tool Online Continuing Education (OCE) Students/Agents no longer need to self-report.

Nonresidents

Exempt

For Additional Information please Contact:

Oregon Department of Consumer and Business Services
Insurance Division
350 Winter St. NE, Room 440
Salem, OR 97301-3883

Mailing Address: 

P.O. Box 14480
Salem, OR 97309-0405

PHONE: (503) 947-7981 or (503) 947-7248
FAX: (503) 378-4351

State Website: http://www.oregoninsurance.org/

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 

Monitor Instructions - Oregon

 IMPORTANT!!!

NO MONITOR IS NEEDED FOR THE ONLINE EXAM!

Your state requires that your exam(s) MUST be monitored if you take the printed exam.

The qualifications of the person who must monitor your exam are explained here:

a. Accredited elementary or secondary educational programs or accredited institutions of higher learning:
(I) Principals, or professional staff designated by a principal;
(II) College instructors, counselors, or officials.

b. U. S. Military Training Facilities – education officers or chaplains.

c. Insurer home office training departments – home office training managers only.

d. Course providers approved by the Department to offer education courses in Florida:
(I) Providers that offer courses to licensees who have a sales relationship with that provider are considered to have a conflict of interest for purposes of monitoring exams; i.e., insurer or agency staff at any level other than stated in sub-subparagraph 69B-228.080
(11)(b)1.d., F.A.C.; and(II) Shall not monitor the exam of one of the insurer’s or agency’s licensees. Instructors or other employed staff must not have conflict of interest;

e. National insurance trade, agent, or adjuster associations or societies.

f. Librarians.

g. Other organization types may be submitted to the Department for approval, with complete information and history.

2. The individual monitor assigned by the monitor group shall not monitor the exam of any relative, subordinate, associate, or employee.

The monitor must print, sign and complete the affidavit found by clicking Printable Monitor Form to indicate that the exam was taken without any outside help from any source. Please fax the completed monitor form to: (619) 421-8171 immediately after completing the exam. Your exam will not be completed, and no CE credit will be awarded or reported to your state, until the properly completed, signed monitor form has been received (along with any state reporting fees that may be due).