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The Law of Insurance Contracts and the ‘Rules’ of Policy Interpretation

Total Credits: 3 including 3 CE Credit


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. In this class students learn:

  • The basic provisions of contract law;
  • The unique legal characteristics of insurance contracts;
  • The general construction of insurance contracts;
  • The ‘rules’ for reading and understanding ANY insurance policy; and
  • Why exclusions exist. 

Course Materials


Christopher J. Boggs's Profile

Christopher J. Boggs Related seminars and products: 8


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

State Specific Details

State Approval Information Details

KS - This course is approved for 3 hrs CE - Course#    6000015093

Note -  KAIA will file your earned CE electronically within 10 business day after course completions

MI - This course is approved for 3 hrs CE - Course# 78958

TN- This course is approved for 3 hrs CE - Course#30273

NC - This course is approved for 3 hrs CE - Course#206836

LA - This course is approved for 3 hrs CE - Course# 30298

MS - This course is approved for 3 hrs CE - Course#18806

OR - This course is approved for 3 hrs CE - Course#6000025574

UT - This course is approved for 3 hrs CE - Course#35850

WV - This course is approved for 3 hrs CE - Course#106479

OK - This course is approved for 3 hrs CE/Producer CSR Gen-Course#6000050156

HI - This course is approved for 3 hrs CE - Course#LW219530 & PW219530 



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