StretchLearn Course

Stop guessing whether your business is actually covered.

Learn exactly what each policy protects, how to read the exclusions that deny claims, how much coverage you really need, and how to compare quotes, all in plain English with real numbers and worked examples.

Preview Curriculum Back to Catalog

Beginner9 hrSelf PacedRegistered

Course Overview

What this course is designed to develop

Most owners buy a single liability policy, assume they are covered, and discover the gaps only after a claim is denied. This course breaks down the core commercial coverages, general liability, professional liability or E and O, the Business Owner's Policy, property, workers compensation, commercial auto, cyber, and key person, in concrete terms with real dollar figures. By the end you will be able to read a policy, spot the exclusions and sublimits that matter, set sensible limits and deductibles, and compare carriers and quotes line by line so the coverage holds up when you file a claim.

Learning Outcomes

What the learner should be able to understand, build, or execute.

Match each major commercial coverage, general liability, professional liability, property, workers compensation, commercial auto, cyber, and key person, to the specific risks it protects against

Read a declarations page and locate the limits, deductibles, sublimits, and exclusions that decide whether a claim pays

Distinguish occurrence from claims-made policies and explain why tail coverage matters for professional liability

Right-size your liability limits, property valuation, and deductibles to your revenue, assets, and contractual requirements

Identify the common coverage gaps that leave owners exposed and the endorsements or separate policies that close them

Compare quotes from multiple carriers on an apples-to-apples basis and work effectively with an independent agent or broker

Curriculum Preview

Inside the curriculum: a structured path from fundamentals to execution.

Preview the course structure, see how the modules build on one another, and understand the path this program is designed to take you through.

Module 1

Module 1: How Business Insurance Works and Why You Need It

What insurance actually is as a risk-transfer tool, the vocabulary on every policy, and why a personal policy will not cover a business loss.

3 lessons

Risk Transfer and the Anatomy of a PolicyContent · 45 min

Preview Enabled

The Core Insurance Vocabulary You Must KnowContent · 45 min

LMS Access

Why Personal Policies Will Not Save Your BusinessContent · 45 min

LMS Access

Module 2

Module 2: The Core Liability Coverages

General liability, professional liability or E and O, and the bundled Business Owner's Policy, what each covers, what it excludes, and who needs it.

3 lessons

General Liability: Your Foundation PolicyContent · 45 min

LMS Access

Professional Liability and Errors & OmissionsContent · 45 min

LMS Access

The Business Owner's Policy: Bundled CoverageContent · 45 min

LMS Access

Module 3

Module 3: Property, People, and Specialized Risks

Commercial property and business interruption, workers compensation and commercial auto, and the modern risks, cyber and key person, that round out a program.

3 lessons

Property, Business Interruption, and Commercial AutoContent · 45 min

LMS Access

Workers Compensation and Employer LiabilityContent · 45 min

LMS Access

Cyber Insurance and Key Person CoverageContent · 45 min

LMS Access

Module 4

Module 4: Buying Smart: Limits, Gaps, and Comparing Quotes

How to size your program, find and close the gaps that cause denied claims, compare quotes line by line, and work with an agent to keep coverage current.

3 lessons

Right-Sizing Your Coverage and LimitsContent · 45 min

LMS Access

Finding and Closing Coverage GapsContent · 45 min

LMS Access

Comparing Quotes and Working With an AgentContent · 45 min

LMS Access

Built for Application

A complete learning path, not a one-off inspiration hit.

This program is designed around progression: focused lessons, structured modules, applied resources, assessments, and a course rhythm that turns information into usable capability.

business insurancegeneral liabilityprofessional liabilitybusiness owners policyworkers compensationcyber insurancekey person insurancerisk management