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					                            Metropolitan Community College
                                      Course Syllabus – Winter 2010


COURSE IDENTIFICATION
Title:                                Principles of Property and Casualty Insurance
Prefix/Section:                       INSU 1100 2A
Credit Hours:                         4.5
Begins/Ends:                          Wednesday, December 1, 2010 / Wednesday, February 23, 2011
No-Class Days:                        December 22 and 29, 2010
Meeting Day/Time:                     Wednesday, 06:00 p.m. – 10:00 p.m.
Last Day to Withdraw:                 Wednesday, February 8, 2011
Delivery Type:                        Classroom
Class Location:                       Applied Technology Center, Room --115


CONTACT INFORMATION
Instructor Name:                      Eric Bremers, B.S.B.A., M.B.A, C.P.A. / ABV
Office Location:                      Fremont Center
Office Telephone:                     (402) 317-3017
Office Hours:                         ATC – 5 PM to 6 PM
                                      By Appointment
Email Address:                        ebremers@mccneb.edu
Academic Program Area:                Business / Insurance
Dean:                                 Daryl E. Hansen
Dean’s Office Telephone:              (402) 738-4014

COURSE INFORMATION
Course Description: This course serves as an introduction to the field of property and casualty
insurance, and the needs of individuals or organizations for various categories of protection. Areas of
emphasis include fire, accident, theft, property damage, liability insurance, and the legal environment
of insurance products. The student is also introduced to the basic concepts of risk management,
product design, underwriting, pricing, marketing, and claim administration.

Course Prerequisites: None

Course Objectives: Upon completion of this course, each student will have an understanding of the
following:

   I.      An introduction to the concepts of risk and how the use of insurance is a tool to manage risk
           by providing protection against the risk of financial loss.
   II.     We discuss how property and casualty companies are structured and the common functions
           found in an insurance company.
   III.    The insurance policy as a contract and the requirements that must be met to enter into a
           valid insurance contract. We will study the standard structure of insurance policies and
           learn what the usual policy provisions are for property and casualty insurance policies.


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   IV.      An introduction to the concepts of the “Underwriting” of Property and Casualty insurance
            risk, pricing and an overview of how actuaries calculate insurance premium rates for
            property and casualty policies.
   V.       We will discuss the common Commercial Property and Commercial Liability loss
            exposures and the common insurance coverage available to protect against these exposures.
   VI.      We will discuss the claim function and the activities in the claim handling process.
   VII.     We will discuss how insurance premiums are determined and how insurance rates are
            developed.

Required & Supplemental Materials:
Title:      Introduction to Property and Casualty Insurance
Edition:    1st
Author:     Flitner, Arthur L.; Kearney, Susan; and etal
Publisher:  American Institute for CPCU and Insurance Institute of America

Course Structure: This course will be primarily a lecture, discussion and “hands-on” projects,
assignments and cases. There will be some outside readings and activities.

COURSE ASSESSMENT
  1. Types of Assessment/Assignments
       a. A variety of assessment techniques will be utilized during the course including
          participation in classroom activities and discussions, home work (most weeks an
          insurance article will be assigned and the student will be required to prepare a page
          discussion of the article and be prepared to discuss the article in class), insurance
          project and two exams (including the final).
       b. Promptness is a highly valued attribute in the workplace. Employees are expected to
          plan ahead to meet deadlines. Managers reprimand or terminate employees who are
          repeatedly late with assignments. In unusual situations, an extension may be granted if
          it is requested in advance. In this course, late assignments will be fined 10% of the
          total possible points per class day late up to a maximum of three class days and
          thereafter, (i.e., after 3rd class day), no points will be awarded.

  2.      Make-up Test Procedures
           a. There will be no make-up examinations offered except in the teacher’s discretion for
              emergency situations which will be unusual and rare.
  3.      Grading Policy
           a. There will be two in-class tests that will be taken individually. It will consist of multiple
              choices, true/false and fill in the blank questions.
           b. Attendance / Participation (10 points a class)                     100 points
              Homework (Discussion Articles) – (5 assignments – 20 pts)          100 points
              Exam 1                                                             100 points
              Exam 2                                                             100 points
              Student Insurance Project                                          100 points
              Total possible                                                     500 points




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                                      A = 450+
                                      B = 400 – 449
                                      C = 350 – 399
                                      D = 300 – 349
                                      F = Below 299

   4.    Maintenance of Student Records
          a. Tests will be graded and returned one week after the test. The student is expected to be
              responsible for retaining all tests and home work returned by the instructor. All
              attendance, test and home work points will be recorded in the instructor’s grade book
              and retained for 1 year.

STUDENT EXPECTATIONS
Attendance Policy: Attendance is important as it will affect your grade. Woody Allen is quoted as
saying that “90% of succeeding is showing up.” You can neither contribute nor benefit from class
discussion when you are absent. You will lose 10 points (2% of your overall grade) for each class
day missed. It would be difficult to receive a grade of “A” with a number of absences; however, no
one with three (3) or more unexcused absences will qualify for an “A”. An excused absence will
be left to the discretion of the instructor, but at the minimum, the student should e-mail and or call
prior to class time to inform the instructor of the student’s absence and the reason for absence. E-mail
is the preferred method of contact.

Furthermore, as is true in a business setting, it is the student’s responsibility to contact the faculty
member prior to or on the day of an absence. Failure to do so is noted in the instructor’s grade book
and is utilized, as in a business setting, when the instructor considers whether or not to give the student
the benefit of the doubt on subjective matters. It is the student’s responsibility to obtain all missed
notes or materials.

**WX Disenrollment by Course Section Census Date**: Students who attend no class meetings
and/or participate as instructed up to and including the Section Census Date published in the Class
Schedule at www.mccneb.edu/schedule/ may be disenrolled from the class. There is no appeal for this
disenrollment.

**FX grade earned**: A student who fails to meet class attendance expectations and/or submit
assignment(s) and/or participate as instructed may receive a final grade mark of FX anytime after the
Course Section Census Date published in the Class Schedule at www.mccneb.edu/schedule/, indicating
an absence and/or performance-related failure, or a failing “F” grade. A “FX” grade will impact a
student’s permanent Grade Point Average (GPA) and may impact financial aid. Note: A student could
actually attend class and/or log into the online classroom; but fail to submit assignment(s) and/or
participate as instructed and may therefore receive a “FX” grade.

Student Withdrawal: If you can cannot participate in and complete this course, you should officially
withdraw by calling Central Registration at (402)457-5231 or 1(800)228-9553. Failure to officially
withdraw will result in either an attendance-related failure (FX) or failing (F) grade. The last date to
withdraw is noted in the Class identification section of this syllabus.

Expected Classroom Behavior: Always be professional (be active; responsible and accountable). As
this class is oriented towards discussion and team participation, it is imperative that the student show
respect for others. This includes listening when someone else has been recognized to address the class,
             Metropolitan Community College           3                     Template Rev. 7/24/06
asking permission to talk, and showing consideration for differing views. As history has shown, many
of the ideas that eventually came to be “common knowledge” were once derided by the majority; e.g.,
the idea that the earth is flat was once the prevalent view and to disagree was considered heresy. The
goal is not so much to be right as it is to understand the other’s point of view.

Furthermore, cell phone use (including text messaging) during class is disrespectful and disruptive to
the instructor and other classmates. Phones should be turned off or on vibrate during class. Calls
should only be taken for unusual and important circumstances and if that should occur during class, a
student should excuse themselves quietly and step out of class to take the call. During tests the use of
a cell phone (use can mean instructor sees a cell phone) in any manner will constitute cheating
and a zero for the test will be given. If during a testing period a student is concerned about
receiving an emergency telephone call, prior arrangements may be made with the instructor.

Class Participation: In this course active learning is promoted by individual and team participation.


Notice: This syllabus is written as an expectation of class topics, learning activities, and expected learning outcomes.
However, the instructor reserves the right to make changes in this schedule that may result in enhanced or more effective
learning for students. These modifications will not substantially change the intent or objectives of this course and will be
done within the policies and guidelines of Metropolitan Community College.



LEARNING SUPPORT
Metro’s Learning, Math, and Writing Centers can help you achieve educational success. The staffs in
these centers provide drop-in assistance with basic math, reading, writing and computer skills. We
offer a friendly, supportive learning environment. Self-paced computer-assisted instructional support in
reading, vocabulary, typing, English as a Second Language, and online course orientation is also
available.

Detailed information about these services are in the Student Handbook, College Catalog, and online.
Links to these resources are located at http://www.mccneb.edu/learningcenter/.

COLLEGE POLICIES
College policies, such as student rights and responsibilities, academic standards, plagiarism, and etc.
are outlined in the College Catalog and Student Handbook. This information can be accessed via the
online catalog at http://www.mccneb.edu/academics/catalog.asp.

Student Withdrawal: If you can cannot participate in and complete this course, you should officially
withdraw by calling Central Registration at (402)457-5231 or 1(800)228-9553. Failure to officially
withdraw will result in either an attendance-related failure (FX) or failing (F) grade. The last date to
withdraw is noted in the Class identification section of this syllabus.

Student Code of Conduct: The College has a standard code of conduct that involves consequences
for specific academic and non-academic behavior that may result in a failing grade, probation, or
suspension from the college. More complete information about the code of conduct is located in the
Student Services portion of the online catalog
(http://www.mccneb.edu/catalog/studentinformation.asp).


                Metropolitan Community College                4                           Template Rev. 7/24/06
Accommodations for Students with Disabilities: If you have a disability that may substantially limit
your ability to participate in this class, please contact a Vocational Special Needs Counselor, located in
the Student Services Office on each campus. Metropolitan Community College will provide reasonable
accommodations for persons with documented qualifying disabilities. However, it is the student’s
responsibility to request accommodations. For further information, please contact the Student Services
Office at your campus.


                                 SCHEDULE OF ASSIGNMENTS

Week 1      December 1, 2010         Introductions, ice breakers and review of the syllabus

                                     Course Introduction, Overview of Insurance Regulation and
                                     Chapter 1 – Basic Insurance Concepts Lecture.
Week 2      December 8, 2010         Chapter 2 – Overview of Insurance Transactions and the parties to
                                     the transactions Lecture
Week 3      December 15, 2010        Chapter 3 – How Insurance Companies are structured and the
                                     various functions found in Insurance Co.

                                     Chapter 6 – Structure of Insurance Policies & Common Insurance
                                     Policy Provisions
Week 4      January 5, 2011          Chapter 7 – Common Personal Property and Liability Loss
                                     Exposures and Coverage Available Lecture
Week 5      January 12, 2011         Guest Speaker on Personal Property and Liability Loss Exposures
                                     and Coverage Available.

                                     Review for Exam # 1 and Begin Student’s Insurance Project.
Week 6      January 19, 2011         Exam # 1

                                     After test use class time to work on Student’s Insurance Project.
Week 7      January 26, 2011         Go over Exam # 1

                                     Chapter 8 & 9 – Common Commercial Property and Liability Loss
                                     Exposures and Coverage Available Lecture
Week 8      February 2, 2011         Guest Speaker on Commercial Property and Liability Loss
                                     Exposures and Coverage Available.

                                     Chapter 4 – Purpose and Major Activities in the Underwriting
                                     Process
Week 9      February 9, 2011         Chapter 5 – The claim function and the activities in the claim
                                     handling process.

                                     Chapter 10 – How Insurance Premiums are determined and
                                     insurance rates are developed.
Week 10     February 16, 2011        Review and Discuss Risk Management analysis techniques

                                     Review for Exam # 2

                                     Answer questions on Student Insurance Project
Week 11     February 23, 2011        Hand-in Student Insurance Project

                                     Exam # 2
            ** The instructor reserves the right to adjust this schedule as necessary.

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                               Student Services Important Dates
                            2010/11 Winter Quarter Important Dates
                              December 1, 2010 – February 28, 2011


Classes Begin                                                              December 1st (W)

Last class day before holiday recess                                       December 21st (T)

Holiday recess (College Closed)                              December 24-January 2nd (F-SU)

Student Withdrawal Deadline for “W” Grade                                  Varies by Class*

Classes Resume                                                             January 3rd (M)

Spring General Registration Begins                                          January 12th (W)

Dr. Martin Luther King Jr. Recess/College Closed                            January 17th (M)

Winter Quarter Graduation Application Deadline                             February 1st. (T)

Fall Quarter Incomplete “I” Grades Due                                     February 18th (F)

Last Day of Winter Classes                                                 February 28th (M)

Grades Due and Posted to WebAdvisor by 5:00 p.m.                           March 2nd (W)



The Last Day to Drop for a “W” grade is also the last day for students to change from “Credit” to
“Audit” or “Audit” to “Credit” with instructor approval. Students must drop by this date to avoid being
assigned a grade of “F”. NOTE: “Last day to drop” refers to grades only.

To view the Last Day to Drop specific to your course section, go to the online class schedule at
http://www.mccneb.edu/schedule/classschedule.asp and click on the “Important Dates” tab next to the
course.

The Refund drop dates for each course section are automatically calculated based on the start and end
dates and the number of sessions for the course. NOTE: Refer to refund policy below to determine
the last day to receive a refund for your course.


                                        REFUND POLICY
Eligibility for a refund is automatically calculated by the date of the withdrawal. The amount of refund
is based on the number of class meetings held prior to the withdrawal compared to the total number of
scheduled sessions for the course.

For refund or account questions call: (402) 457-2405 or 1-800-228-9553, extension 2405.

             Metropolitan Community College        6                      Template Rev. 7/24/06

				
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