2
Rule 3. (1) To qualify as a registered insurance producer/solicitor program of study
on the subjects of property or casualty insurance, a course must provide a minimum of
20 hours of instruction for a property program, 20 hours of instruction for a casualty
program, 20 hours of instruction for a personal lines program, or 40 hours of instruction for a
program of study combining property and casualty curricula.
(2) The 20 hours of instruction and final examination for a property program must
include all of the following areas, but may be taught in any order or combination the
instructor chooses:
(a) Fourteen hours on the principles of property insurance, including the following
subjects and their definitions, characteristics, and application:
(i) Fire insurance.
(ii) General property form.
(iii) Home insurance.
(iv) Personal and commercial automobile insurance.
(v) Inland marine insurance.
(vi) Commercial package policies.
(vii) Boiler and machinery insurance.
(viii) Rates and rate changes, including coinsurance.
(ix) Business interruption insurance.
(b) Six hours on professional ethics and the requirements of the insurance laws of
Michigan, including, but not limited to, the following chapters of the Michigan insurance
code:
(i) Chapter 12 of the code, MCL 500.1200 to 500.1247.
(ii) Chapter 20 of the code, MCL 500.2001 to 500.2093.
(iii) Chapter 21 of the code, MCL 500.2101 to 500.2131.
(iv) Chapter 31 of the code, MCL 500.3101 to 500.3179.
(v) Chapter 45 of the code, MCL 500.4501 to 500.4511.
(3) The 20 hours of instruction and final examination for a casualty program must
include all of the following areas, but may be taught in any order or combination the
instructor chooses:
(a) Fourteen hours on the principles of liability insurance, including the following
subjects and their definitions, characteristics, and application:
(i) Basic principles of liability.
(ii) On-premises insurance.
(iii) Off-premises insurance.
(iv) Products and completed operations insurance.
(v) Contractual liability insurance.
(vi) Comprehensive general liability insurance.
(vii) Personal liability insurance as contained in home, auto, and personal umbrella
policies.
(viii) Workers' compensation insurance.
(b) Six hours on professional ethics and the requirements of the insurance laws of
Michigan, including, but not limited to, the following chapters of the Michigan insurance
code:
(i) Chapter 12 of the code, MCL 500.1200 to 500.1247.
(ii) Chapter 20 of the code, MCL 500.2001 to 500.2093.