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

    Package Policies For Business-LA 851-package-policies-for-businesses_17

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    License Type : Casualty, Property
    Insurance Credits : 6
    Course Number : 39836
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    $16.00  
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    • Description
    • State Information
    • Redeem Vouchers
    • Course Format

    Louisiana State Requirements

     Updated: 9/12/2023

    Continuing Education Hours

    24 CE hours including 3 hours of ethics are required each license term.

    • Life; Accident and Health; Property, Casualty, Personal Lines, or Adjusters: 24 hours biennially
    • Property; Casualty; or Property and Casualty: 24 hours biennially
    • All agents are required to do 3 hours of ethics biennially.
    • Bail Bonds: 12 hours biennially in courses specific to bail bonds
    • Producers licensed for property, casualty and/or personal lines complete a one-time 3 hour course on flood insurance.
    • Before selling, soliciting, or negotiating annuity products in Louisiana, producers must complete a one-time annuity training course approved for at least 4 hours.
    • 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.
    • An agent cannot receive credit for a the same course again until 24 months has passed since the last time the agent completed that course.

    Course Subject Requirements

    • Course subjects must be for lines of insurance in which license is held.
    • Up to 50% of the required CE hours may be obtained through self-study.

    Continuing Education Compliance Date

    12/31 prior to license renewal or the date shown on the renewal form

    License Renewal Date

    • 5/1 of even numbered years for LH agents
    • 5/1 of odd numbered years for PC agents
    • 5/1 of odd numbered years for brokers and solicitors
    • 5/1 of odd numbered years for adjusters

    Type of Courses Accepted for CE Credit

    Independent self study courses or classroom (one-half of the total requirement may be satisfied through self-study).

    Carryover Requirements

    LH and PC may carry over up to 10 excess hours to the next reporting period.

    Course Repetition

    Courses may not be repeated in the same reporting period.

    Final Exam

    Self-study final exams are not required to be monitored.

    Exemptions

    • Nonresident Producers are not required to complete CE courses.
    • Newly licensed agents are exempt for the 1st reporting period
    • Individuals with a limited line license for which an exam is not required.
    • Individuals who are licensed for industrial fire insurance only
    • Individuals holding a limited license for one of the following lines: title , fidelity and surety, baggage, credit property, service or burial, travel health and accident, and industrial life, health and accident
    • A licensee who is 65 years of age on or before January 1, 2012 (producers who reach age 65 after January 1, 2012, will not qualify for the exemption), and had at least 15 years experience as a licensed agent, broker or solicitor and is either:
      • No longer active as an agent, broker or solicitor and is receiving Social Security benefits.
      • Is an active agent who represents or operates through a licensed Louisiana insurer
    • Nonresident agents may be exempt if licensee meets home state CE requirement.
    • A licensed producer or adjuster, who is prevented from meeting the CE requirements for renewal due to military service, or due to a medical condition or injury, may request a waiver of those requirements and renewal of the license.  The licensee must contact the state to submit this request.

    Method to Certify Completion

    You will be able to print your certificate of completion after completing your exam. The course provider keeps reports of credits earned in its files. Course provider will submit proof of course completion to the CE administrator within one business day of course completion.  The licensee submits copies of the certificates of completion to the insurance department at license renewal. The licensee keeps the original certificates of completion in his or her files for 2 years.

    For Additional Information Please Contact

    Louisiana Commissioner of Insurance

    P.O. Box 94214
    Baton Rouge, LA 70804-9214

    PHONE: (225) 342-0860

    FAX: (225) 342-3754

    State Website: http://www.ldi.louisiana.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.

    CA PARTNERSHIP CLASS REFUND POLICY:

    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!

    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.

    This insurance continuing education course will provide insurance agents with an overview of the Commercial Package Policy (CPP) program and an in-depth understanding of the Businessowners Program (BOP), including the exposures and the forms and endorsements available to treat these exposures, as well as the differences between the CPP and BOP programs. Subjects included in this online insurance CE course are:

    • Components of a Commercial Package Policy;
    • The Businessowners Program Eligibility;
    • Components of the Businessowners Policy;
    • Businessowners Coverage Forms;
    • Businessowners Property Coverages and Exclusions;
    • Businessowners Liability Coverages and Exclusions;
    • Businessowners Standard Endorsements available;
    • Independently Developed Policies;
    • BOP Underwriting; and;
    • BOP vs. CPP forms.
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