Login/Register |

The cart is empty

    Sandi Kruise Insurance Training
    Your Best Choice for Insurance Education
    800-517-7500, 8:30am-3:30pm PST

    Insuring Home Based Businesses-AR 163-insuring-home-based-businesses-monitored_17

    License Type : General
    Insurance Credits : 15
    Course Number : 10082065
    Ask a Question
    Course Format

    Need more than one course?
    Subscribe and save big!
    Purchase a Subscription instead for $69.95
    Note: A monitor must be present while taking this exam. Please click "Monitor" below for the monitor form and more information.
    • Description
    • State Information
    • Redeem Vouchers
    • Course Format
    • Monitor Information

    Arkansas State Requirements

    Updated: 07/27/2015

    Course Subject Requirements
    • 1 hour must be in ethics.
    • Producers licensed prior to January 1, 2011: 

      • 2013: All producers born in odd years will be required to obtain 24 CE hours, including 3 hours of ethics, every 2 year license term thereafter (see license term below).
      • 2014: All producers born in even years will be required to obtain 24 CE hours, including 3 hours of ethics, every 2 year license term thereafter (see license term below).

    • Producers licensed on or after January 1, 2011 will be issued a 2 year license and be required to obtain 24 CE hours, including 3 hours of ethics, by their birth date based on their issuance year (see license term below).

    Annuities Training

    Effective June 28, 2010 the 4-hour Annuity requirement was repealed by the AR DOI for revisions to the course outline. Until further notice the 4-hour Annuity training is no longer required for selling or CE purposes.

    Flood Insurance Training

    Producers who write flood insurance must complete a one-time 3-hour training class on flood insurance and the National Flood Insurance Program (NFIP). These 3 hours count toward the 24 hours of CE required every 2 years.

    Long Term Care (LTC) Training

    Before selling, soliciting or negotiating LTC insurance products in Arkansas, producers must complete an initial 8-hour, state-approved LTC training course.

    After meeting the initial training requirement, producers must complete 4 hours of state-approved LTC training in every 24-month period following the initial training.


    24 CE hours, including 3 hours in ethics, every 2 years by their birth date based on their issuance year.

    Nonresident CE Requirements

    If a producer has not taken an Annuity Training course in another state, the nonresident producer selling annuity products in Arkansas must comply with the Arkansas Annuity Suitability training requirements.

    Nonresident adjusters are required to comply with Arkansas's CE requirement by being licensed and in good standing as a adjuster in a resident state or designated "Home State" that has a continuing education requirement for its resident adjusters; or being licensed and in good standing as a nonresident adjuster in Arkansas and completing Arkansas's continuing education requirement by an approved provider.  (See "Adjusters" section above.)

    Please Note: Being licensed and in good standing in another state does not exempt a nonresident adjuster licensed in Arkansas from this state's CE requirement if that other state does not officially require CE course completion.

    Nonresident Annuities Training

    Effective June 28, 2010 the 4-hour Annuity requirement was repealed by the AR DOI for revisions to the course outline. Until further notice the 4-hour Annuity training is no longer required for selling or CE purposes.

    Nonresident Long Term Care (LTC) Training

    Before selling, soliciting, or negotiating LTC insurance products in Arkansas, nonresident producers must complete an initial 8-hour, NAIC LTC training course approved for use in any licensed state.

    After completing the 8-hour initial training requirement, nonresident producers must complete 4 hours of state-approved LTC training every 24-month period following the initial training and every 24 months thereafter.

    Continuing Education Compliance Date

    All continuing education credits must be achieved by the date of the license renewal.

    License renewal date is the agent's date of birth annually.

    Type of Courses Accepted for CE Credit

    Independent self study courses or classroom courses.

    Carryover Requirements

    Excess educational hours accumulated during any annual period may be carried forward only to the next annual period. Continuing education carried forward to the following calendar year shall expire upon commencement of the third annual period following completion of the hours. Excess ethics hours carry over as general credits in the next license term.

    Course Repetition

    Courses may not be repeated within a 2 year period. This does not apply to one (1) hour ethics courses only. Currently, all ethics courses are approved for more than one (1) hour and therefore can not be repeated.

    Final Exam

    Final exams are required to be monitored. Proctors or instructors must be a disinterested third party and shall NOT serve for examinations of: family members or relatives or dependents, employers or supervisors, employees or subordinates, partners or joint ventures or co-owners, current or former teachers or pupils, neighbors or personal friends or significant others, or for anyone in whom the proctor or instructor has an economic or other interest in assuring the successful outcome of the examination. See monitor Tab for monitor form(s).

    License Term

    • Odd year birth renewals will need to complete CE in 2011 by their birth date and will then be issued a 2 year license. The next renewal period will end on their birth date in 2013 and every two years thereafter.
    • Even year birth renewals will need to complete CE in 2011 by their birth date and will then be issued a 1 year license. The next renewal period will end on their birth date in 2012 and then every two years thereafter.
    • All licensee's licensed on or after January 1, 2011 will renew on the licensee's birth date 2 years after license issuance year.  For example, if a licensee was born on February 15th and initially received his license in 2011, he would renew on February 15, 2013.


    • Nonresident licensees in good standing with their home state
    • Individuals holding limited lines licenses for which an examination is not required
    • Individuals holding a limited or restricted license
    • Individuals who are 60 years old and were licensed prior to 07/01/2003
    • Individuals who have been actively licensed as a producer or broker for at least 15 consecutive years and who were licensed prior to 07/01/2003
    • Individuals licensed in Arkansas less than a year upon renewal
    • Individuals in their first full year of licensure following the year they made a change in residency or domicile to Arkansas
    • Third-party administrators who do not solicit business
    • Any producer called to active duty in the U.S. military services
    • If the exempt producer moves to another state and later returns, he or she may request a reinstatement of the exemption from the Commissioner  as long as he or she retained licensure in Arkansas continuously from the time he or she first qualified for the exemption.

    Method to Certify Exemption

    Your certificate of completion will be e-mailed to you once you have completed your exam. Provider reports course completion within one business day of course completion. Provider will issue certificate of completion to each licensee for each course passed. Licensee is required to remit CE filing fee at time of license renewal.

    For Additional Information, Please Contact

    Arkansas Insurance Department
    Licensing Division

    1200 W. Third St.
    Little Rock, AR 72201-1904

    Phone: (501) 371-2750

    E-mail: [email protected] 

    FAX: (501) 683-2604

    State Website: http://www.insurance.arkansas.gov/

    Seminars & Classroom Courses

    These courses are instructor led programs, usually in a live classroom setting, and do not require you to pass an exam to receive CE credit for the course. 

    You must choose one of the locations listed in the options above. Please make note of the address of the seminar you choose. You will also receive an email confirmation of your enrollment, which will include the address of the seminar. You can return here to review the address if you misplace it before the class.

    All of our seminars begin at 8:30 AM and end at 4:30 PM unless otherwise noted on your confirmation notice.  Please arrive at the classroom at least 10 minutes before the starting time on your confirmation notice. All students must be signed-in and seated BEFORE the official class start-time. If you arrive late, please DO NOT interrupt the class in session. You can talk to the instructor at the first break regarding the possibility of obtaining credit for the class or rescheduling for another date. Remember, these classes fill up quickly, and there is usually little or no room for agents who arrive at the last minute without registering in advance.

    Cell phones must be turned off during the entire duration of the seminar. You will have time to return messages and make calls during breaks and at lunch. 

    During the class, you must not have any materials on your desk except the textbook or handout provided by the instructor. By law, students who are reading other materials, talking to other students, sleeping, or otherwise not participating in the learning experience are not allowed to receive CE credit!

    Absolutely no recruiting or marketing for products, services, employment or any other activity is allowed at any time during the seminar - including during breaks and lunch. Students caught doing this may be asked to leave immediately and will NOT receive a refund.


    Due to the fact that we must pre-pay for locations, teachers, materials and shipping there is a 10-day cancellation or refund policy for classroom courses. If you find you need to cancel a classroom course you may either:

    1. Request a refund with our refund request form no later than 10 days from the class date: www.kruise.com/refund.pdf
    2. If you're inside the 10 day window you can move to a later class on our calendar or call and have us hold your payment for another time.
    3. If you request a refund after we've already shipped your materials to the class you will most likley not be able to receive a full refund.

    If you have received a CE voucher from an insurance company or wholesaler, you can redeem it by following these instructions. 

    • Choose your course format - see "course format" tab for more details or click "learn more" above options.
    • Click on the red "buy" button to proceed to checkout.
    • Be sure to enter your Voucher Code when checking out to apply your discount.
    • You will be able to download the study materials immediately by clicking the red "Download Course" on your receipt. It will also be emailed to you and will be available for one year in your customer account.
    • You will also be provided with a link and information to access the exam.

    Your voucher covers an online book, online exam, grading and one CE certificate for insurance. It DOES NOT INCLUDE printed books, printed exams, state fees or CE certificate(s) or reporting for additional designations or types of CE, although they are available as options for additional charge. 

    If you choose printed books or exams, you will be charged the balance due during checkout.

    If your state charges a fee to report your credit, this fee is due from you. When you check-out, you must pay this fee in order to access the course and obtain CE credit.

    After you pass your exam, you will be able to purchase CE certificates for professional designations such as CFP, CPE, etc. you will be charged $10 for each one. Please DO NOT order these additional certificates unless you currently hold that professional designation. There are NO REFUNDS for additional certificates ordered and not needed.

    Optional PACE or CFP Credit

    Many of our Insurance CE courses are also approved for CE credit for agents who hold professional designations such as CLU, ChFC, CFP. The type of CE credit and number of hours approved are listed above in the course description.

    If you hold a professional designation you may request a certificate for courses taken and exams passed for insurance CE credit. If you pass and exam and would like to get additional credit for one of these designations, please use the link to the left: "CFP & PACE Credit".

    If you do not hold a professional designation and do not need any type of CE other than for your insurance license renewal, please do not order a PACE or CFP certificate. It will not benefit you and once ordered, there are no refunds!

    There are no refunds for certificates ordered by mistake!

    Monitor Instructions - Arkansas


    Your state requires that your exam(s) MUST be monitored.

    The qualifications of the person who must monitor your exam are explained on the monitor form. The person monitoring your exam must be with you prior to beginning to take the exam. Taking the exam without your monitor present will invalidate your exam results and certificate.

    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 or email your form 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).

    System Requirements: All major browsers can be used to complete our courses.  This includes Internet Explorer 11.x or higher, Microsoft Edge 20 or higher, Firefox version 51 or higher, Apple Safari version 10.x or higher, and Google Chrome, version 56 or higher.

    Desktops, Laptops, Tablets, and most Smartphones are also supported.

    This course automatically includes a downloadable textbook and/or other course materials which you may print if you desire. When you are finished studying your course, the exam is taken online and it is graded immediately.  In most states you can also print your own certificate of completion, if you pass. There is no additional charge if you complete your course and exam completely online. 

    If you prefer, however, you may purchase a printed book and/or printed exam at additional cost.   

    You have 3 options if purchasing the course outside a subscription:

      1. Online book and online exam - included in price - You receive no printed materials-everything is online.
      2. Printed book and online exam - $5 additional - You receive a printed book but take your exam online.
      3. Printed book and printed exam - $10 additional - You receive a printed book and printed exam which you mail or fax to us for grading.

    For options 2 and 3, you will be able to choose either regular or express shipping during checkout.

    Please choose your option carefully!  There is no refund for printed materials or exams ordered by mistake!

    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.

    Following this insurance continuing education course, insurance agents will be able to understand the exclusions for business use found in homeowners and automobile insurance policies and the endorsements and coverage options available to provide coverage for these exposures. They will be able to explain both the exclusions and coverage options to clients to assist them in identifying business exposures and selecting proper coverage options to treat them. This insurance CE course discusses most business endorsements to the HO policy, as well as an in-depth discussion of the Home Business Insurance Endorsement HO 07 01 and the additional endorsements available to tailor that form to meet the insured’s individual needs.

    © 2023 Sandi Kruise Inc. All Rights Reserved. Designed By Aerowebworks