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9 Rules for Reading an Insurance Policy Based on the Law of Insurance Contracts

Total Credits: 2 including 2 CE Credit

Average Rating:
Commercial Lines |  Commercial Lines - Basic |  Personal Lines |  Personal Lines - Basic |  Big “I” Virtual University
Course Levels:
All Levels
2 Hours
Access for 30 day(s) after program date.



Insurance policies are subject to the standard law of contracts; but beyond simple contract law, insurance contracts are bound by unique provisions and requirements specific to insurance. An understanding of these unique legal characteristics is necessary to understand the insurance contract. Once the unusual characteristics of insurance contracts are understood, the rules for reading any insurance policy can be applied.

Basic Course Information

Learning Objectives
  • Learn the basic provisions of contract law;
  • Understand the unique legal characteristics of insurance contracts;
  • Understand the general construction of insurance contracts;
  • Understand the rules for reading and understanding ANY insurance policy; and
  • Learn why exclusions exist.

Course Materials


Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS's Profile

Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS Related seminars and products

Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS, joined the insurance industry in 1990. He is the Executive Director of the Independent Insurance Agents and Brokers of America (Big "I") Virtual University. His current duties involve researching, writing, and teaching property and casualty insurance coverages and concepts to Big "I" members and others in the insurance industry.

During his career, Boggs has authored more than 300 insurance and risk management-related articles on a wide range of topics as diverse as Credit Default Swaps, the MCS-90, and enterprise risk management. In addition to this, Boggs has written 13 insurance and risk management books:

  • "The Insurance Professional's Practical Guide to Workers' Compensation: From History through Audit," now in its second edition;
  • "Business Income Insurance Demystified: The Simplified Guide to Time Element Coverages," now in its third edition;
  • "Property and Casualty Insurance Concepts Simplified: The Ultimate 'How to' Insurance Guide for Agents, Brokers, Underwriters and Adjusters;"
  • "Wow! I Never Knew That! 12 of the Most Misunderstood and Misused P&C Coverages, Concepts and Exclusions;"
  • "Insurance, Risk & Risk Management! The Insurance Professional's Guide to Risk Management and Insurance;"
  • "Workers' Compensation: How You Can Effectively Answer Your Clients 12 Most Commonly Asked Questions;"
  • "Glossary of Insurance Terms;"
  • "Choosing the Best Risk Financing Option;"
  • "Writing Property and Liability Coverage for Condos;"
  • "The Truth about Enterprise Risk Management;"
  • "The Experience Mod Worksheet;"
  • "What has ISO Done to us Now?" and
  • "Cancellations, Non-Renewals & Conditional Renewals: THE Insurance Professional's Guide to Statutory Insurance Carrier Notification Requirements for All 50 States!"

Boggs is a regular speaker at industry events, speaking for groups such as the National Association of Mutual Insurance Companies (NAMIC), the National Society of Insurance Premium Auditors (NSIPA), the American Association of Managing General Agents (AAMGA), the Institute of Work Comp Professionals (IWCP), and the CPCU Society.

A graduate of Liberty University with a bachelor's degree in Journalism, Boggs' background includes work as a risk management consultant, loss control representative, producer, claims manager, and quality assurance specialist


Mon, Jun 12, 2023 - 08:00am to 09:51am EDT
Wed, Jun 28, 2023 - 10:00am to 11:51am EDT
Wed, Jul 05, 2023 - 12:00pm to 01:51pm EDT
Thu, Jul 20, 2023 - 02:00pm to 03:51pm EDT
Thu, Aug 03, 2023 - 08:00am to 09:51am EDT
Wed, Aug 23, 2023 - 10:00am to 11:51am EDT
Fri, Sep 01, 2023 - 12:00pm to 01:51pm EDT
Mon, Sep 11, 2023 - 02:00pm to 03:51pm EDT
Fri, Oct 06, 2023 - 08:00am to 09:51am EDT
Thu, Oct 26, 2023 - 10:00am to 11:51am EDT
Fri, Nov 10, 2023 - 12:00pm to 01:51pm EST
Tue, Nov 28, 2023 - 02:00pm to 03:51pm EST
Tue, Dec 05, 2023 - 08:00am to 09:51am EST
Wed, Dec 20, 2023 - 10:00am to 11:51am EST

State Specific Details

State Approval Information Details NJ - This course is approved for 2 hours of credit # 88901216



Overall:      4.8

Total Reviews: 38