Commercial Lines Training

Searching for CLCS training? Then you've come to the right place!

The Commercial Lines Coverage Specialist (CLCS) designation is the undisputed professional credential for persons who are seeking to master the subject of commercial lines coverage. Created by the staff of the renowned FC&S bulletins with the learning needs of new insurance producers, agents, managers, CSRs and corporate staff in mind, the CLCS is the most complete professional learning program available for industry professionals.

Students completing the CLCS program have demonstrated extensive knowledge in a critical functional area of property and casualty insurance practice-insurance policy coverage, and will have applied that knowledge in real-life case study exercises.


Holders of the CLCS designation enjoy the following benefits:

  • One year complimentary subscription to The National Underwriter Magazine: P&C Edition
  • 90-day complimentary subscription to the FC&S Bulletins Online
  • Complete reference set of Commercial Lines Coverage Guides by the editors of The National Underwriter Company’s FC&S Bulletins
  • Optional CE credits through completion of program elements ($25 exam processing fee applies for each element completed for CE credits)


The CLCS curriculum is based on the most important document in the insurance industry: the insurance policy. The curriculum is presented through four Coverage Guides and five e-Learning programs (Insurance Principles is solely delivered through an e-learning course). Materials are adapted from expert insurance coverage materials produced by the staff of The FC&S Bulletins and Coverage Guide Series.

Candidates must earn a score of 80% or above on an examination for each of the following courses:

  • Insurance Principles
  • Business Auto Explained
  • Commercial Property Explained
  • CGL Explained
  • Workers Compensation Explained

Examination Requirements

Each of the 5 exams contains 50 questions and is taken online (access instructions will be provided upon registration). Students who do not pass an exam may purchase exam retakes for $25 per retake. Exam progress can be monitored on Once all exams have been passed, the student will have access to a Request for Certificate form which must be mailed in to obtain the CLCS certificate and designee benefit package.

Additional Requirements

Candidates must meet one of the following qualifications is to be eligible for the Commercial Lines Coverage Specialist (CLCS) designation:

  • Licensed agent, broker, adjuster, CSR or solicitor
  • At least one year of full-time experience in the insurance industry or as a risk management practitioner
  • Students of insurance academies authorized to confer the CLCS designation


Acceleration Clause - The part of a contract that says when a loan may be declared due and payable.

Accidental Death Benefit - In a life insurance policy, benefit in addition to the death benefit paid to the beneficiary, should death occur due to an accident. There can be certain exclusions as well as time and age limits.

Acknowledgment: the act of going before a qualified officer (e.g., Clerk) and declaring the validity of the document. The officer certifies same, whose certification is known as the acknowledgment

Acquit: the act of freeing a person from the charge of an offense by means of a decision, verdict or other legal process; to discharge