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Certified Insurance Counselor


CIC Institutes
CIC institutes are where the best insurance agents and practitioners learn the tools of their trade. The CIC Program provides an excellent continuing education opportunity; any eligible individual may attend classes without taking the examinations or working toward the designation. Presentations are custom-tailored to reflect the laws and changes in policies in the state in which the institute is held. 

The institutes are:

  • Agency Management
  • Commercial Casualty
  • Commercial Multiline
  • Commercial Property
  • (NEW) Insurance Company Operations 
  • Life & Health
  • Personal Lines
  • Ruble Graduate Seminar*
* To attend a Ruble you must be a dues paid member of CISR, CIC, CRM or CSRM to attend a Ruble Graduate Seminar. 

2 day Format:
7:30 AM Registration
8:00 AM - 5:30 PM Wed
8:00 AM - 5:00 PM Thurs

16 Minnesota CE Credits (for all other states go to
$460.00 for CIC Institues
$445.00 for Ruble Graduate Seminars

Cancellation Policy: Full refund or transfer will be granted if request is received in writing within 7 days prior to the seminar.  Requests received after that date will incur a $75.00 fee.    No refund/transfer will be granted for no shows.

Eligibility and Identification Requirements
To register for and attend a CIC institute, you must be a licensed agent, broker, or solicitor; or have at least two years of full-time experience as a practitioner in insurance or risk management; or have served for at least two years as a full-time insurance faculty member at an accredited college or university. All participants must present photo identification to the on-site registrar at the program.

Do I need to take an exam?

If you are attending the live webinar to earn the CIC designation, you must take and pass the exam.

If you are attending the live webinar only for CE credit or for your CIC designation annual update credit, you DO NOT need to take the exam. Your attendance is validated by the attendance polls, and an exam is not required.

You do not need to take the exam for the Ruble Graduate Seminar

How do I take the CIC exam?

Final-Exam.jpg  For additional help please email:

Following the live webinar, your exam will be available on your My Profile Page through the National Alliance website.  The exam window is 96 hours, starting the Monday at 12:01am to Thursday at 11:59pm following the close of the course.  You can complete the exam at anytime during those 96 hours.   Once you open the link and start the exam you have to finish it.

Do I need a proctor for the exam?

Yes, the exam must be proctored, meaning someone must see you take the test and confirm that you did not use any course materials or notes to take the test.   All exam-takers will need a disinterested third-party to proctor them.  More information can be found at .

When do I get my results?

Your exam results will be available in 4-6 weeks after you complete the test on your myprofile page through The National Alliance.  You login to your myprofile page 


Amy Rau
Director of Education & Events

 Click Here for available CIC Webinars

 CIC Seminars - Classroom

Friday, May 27, 2022 - Monday, May 22, 2023
Ruble Graduate Seminar (Classroom) - CIC
Location:Cragun's Resort on Gull Lake - 11000 Craguns Drive, Brainerd, MN 56401 (866) 988-0562
Event Time:6/8/2022 8:00AM - 6/09/2022 5:00PM
Learn More:Register
CE Units:16
Commercial Property (Classroom) - CIC
Location:Western National - 4700 W 77th St, Edina, MN 55435
Event Time:8/10/2022 8:00AM - 8/11/2022 5:00PM
Learn More:Register
CE Units:16
Commercial Multi-Line (Classroom) - CIC
Location:Western National - 4700 W 77th St, Edina, MN 55435
Event Time:10/12/2022 8:00AM - 10/13/2022 5:00PM
Learn More:Register
CE Units:16
Personal Lines (Classroom) - CIC
Location:Western National - 4700 W 77th St, Edina, MN 55435
Event Time:11/16/2022 8:00AM - 11/17/2022 5:00PM
Learn More:Register
CE Units:16

PROfile displays all of your National Alliance professional education information including: Alliance member #, when your next update is due, membership dues status, CE certificate, course history, new program offerings, contact and logon information, and suggested reading materials. Please note that it will take 4-6 weeks for your attendance to be reflected on your PROfile.
As we all know, our industry is constantly changing with new or revised coverage forms, rating plans, and organizational structures. Whether or not your organization focuses on commercial lines, personal lines, benefits, or a combination of things, the big issue is always how well the firm’s resources are managed. The better managed an organization is, the more successful it will be. The Agency Management Institute is designed to be relevant to the broad range of industry professionals who attend. Each subject is presented in a way that agency owners, producers, account executives, customer service representatives, and insurance company personnel see the value and how it relates to their position within the organization.

Topics Covered:
  • Agency Organizations
  • Understanding and Managing Financial Strength
  • Agency Planning
  • Human Resources
  • Agency Productivity and Effectiveness
  • Legal and Ethical Responsibilities
Participants will:
  • Discuss the types of agency organizational structures, the importance of licensing, and the role of state and federal regulation. This will include understanding the agency contractual relationship with the Insurance Company and how to create the best possible relationship.
  • Understand the financial aspects of an agency and how financial performance affects both clients and agency employees. The basics of Cash Flow, Income Statements, Balance Sheets, and the importance of effective collection procedures are included.
  • Learn the fundamentals of agency planning, including questions to consider and how to conduct the proper agency analysis. Participants will understand the benefits of succession planning and the methods they can use to perpetuate the agency organization as a successful viable entity.
  • Understand the process of managing personnel, including legal guidelines, establishing job descriptions, interviewing techniques, performance appraisals/evaluations, and termination procedures and be able to apply what they have learned.
  • Learn what motivates ethical behavior and examine the leading causes of errors and omissions claims made against agents, and the control methods to implement to reduce or prevent risk.

Explore casualty exposures and become familiar with important coverages.

Topics covered:

  • Essentials of Legal Liability*
  • Commercial General Liability*
  • Excess Liability/Commercial Umbrella Coverages*
  • Workers Compensation*
  • Business Automobile Coverages*
  • Professional Liability
  • Employment-Related Practices Exposures
  • Garage Insurance
  • Environmental Impairment Coverages
  • Directors and Officers Liability
  • Specific State Exposures/Innovations/Special Coverages

Participants will:

  • Complete an in-depth study of the CGL policy form and endorsements, and apply them to specific situations.
  • Become familiar with the Business Auto Policy forms and major endorsements, and apply them to specific situations.
  • Gain an overview of Excess Liability/Commercial Umbrella and the issues of concurrency and self-insured retention.
  • Better understand Workers Compensation, the exposures faced when employees perform work in other states, and endorsements available for this coverage.

* Mandatory topics are part of every Institute. Optional subjects will vary.

2019 Commercial Casualty Institute Description

Most businesses have exposures that can be protected by the most common commercial casualty coverages offered in the insurance marketplace. This institute focuses on providing a thorough understanding of these primary coverage areas. You will understand how to design the best coverage for your client.

Topics Covered:
  • Commercial General Liability Concepts and Coverage
  • Additional Insured Concepts and Endorsements
  • Business Automobile Coverages and Endorsements
  • Workers Compensation and Employers Liability

Participants will:
  • Learn what liability exposures exist in the areas of premises, operations, products and completed operations, and personal and advertising injury liability. Understand important legal concepts and how they correlate with CGL coverage. Determine what coverage the CGL provides, who is insured, what is excluded, how the limits apply and be able to identify appropriate CGL endorsements.
  • Explore the reasons for additional insured status and what problems may be created by adding an additional insured. The purpose, coverage and limitations of the more commonly used additional insured endorsements will be explained. Waivers of subrogation and the impact of the “Other Insurance” policy condition will also be addressed.
  • Identify the major coverages and exposures related to various uses of “covered autos” (owned, nonowned and hired). Determine “who is as an insured”, what exclusions apply, the gaps of coverage, and some endorsements that modify the Business Auto Coverage Form.
  • Understand important legal concepts and employment exposures of today’s workers compensation system. Workers Compensation and Employers Liability Insurance will be explained along with some of the more commonly used endorsements. 

The complexity of commercial lines requires a broader knowledge of the property and casualty coverages specifically designed to address exposures. This institute addresses some of the most often encountered coverage enhancements that should be considered. Learn how to protect your clients with the coverages that best match their needs.

Topics Covered:

  • Businessowners Policies
  • Commercial Inland Marine Concepts & Coverages
  • Crime Coverages & Endorsements
  • Cyber Exposures and Coverages
  • Employment Practices Liability Insurance
  • Excess Liability/Commercial Umbrella Coverages

Participants will:

  • Identify the Property and Liability Coverage provided in the Businessowners Policy and what it does and does not cover. Examine additional coverages, extensions, and endorsements to the BOP.
  • Learn the benefits of writing Bailee coverage. Identify exposures covered by a Builders Risk Policy and the “Soft Costs” endorsement. List the methods for writing Contractors Equipment coverage. Understand the exposures of Transportation and how to address them.
  • Explore the reasons to consider purchasing Crime Coverage and provisions found in the Crime Coverage Forms. Become comfortable with the Seven (7) built-in Insuring Agreements including Employee Theft.
  • Identify the first and third party exposures related to e-commerce and the Internet. Understand the major provisions commonly found in Cyber insurance policies.
  • Explore the areas of employment practices liability for businesses and organizations, with special emphasis on related legal concepts. Learn how coverage can be provided and the major policy provisions found in employment practices liability policies.
  • Examine the purpose of excess liability policies. Learn about the different policy characteristics, “self-insured retention”, underlying requirements, and concurrency issues. Since there is no “standard” excess liability form, learn how to compare insuring agreements, exclusions and policy provisions.

At this institute, you will learn innovative ways to maximize coverage for various types of commercial property accounts.

Topics covered:

  • Commercial Property Coverages*
  • Commercial Property Endorsements*
  • Commercial Property Causes of Loss Forms*
  • Commercial Inland Marine Coverages*
  • Time Element Coverages*
  • Businessowners Policies*
  • Difference in Conditions
  • Crime
  • Commercial Property Case Study/Risk Management
  • Equipment Breakdown
  • Flood
  • EDP Coverages
  • Other Inland Marine
  • Construction Occupancy Protection Exposures (COPE)
  • Specific State Exposures/Innovations/Special
  • Coverages

Participants will:

  • Learn Commercial Property Policy essentials, including coverage, endorsements and applications.
  • Become exposed to Time Element Coverage (Business Income), options, and the recommended endorsements.
  • Study various Inland Marine forms -- Builder's Risk, Contractors Equipment, and Transportation Coverage.

* Mandatory topics are part of every Institute. Optional subjects will vary.

2019 Commercial Property Institute Description

In order to maximize coverage and protect your increasingly complex commercial property accounts, it is important to have a detailed understanding of Commercial Property coverages and endorsements, as well as the concepts used when correctly writing this business. Equally important is a familiarity with other coverages such as Time Element (Business Income), and Equipment Breakdown. At this institute you will learn to help provide your customers with the advice and protection they need.

Topics Covered:
  • Commercial Property Coverage Forms & Endorsements
  • Commercial Property Causes of Loss & Endorsements
  • Equipment Breakdown
  • Time Element Coverages & Endorsements
Participants will:
  • Examine the property coverage found in the Building and Personal Property Coverage Form including the various Additional Coverages, Coverage Extensions, and Optional Coverages. Discuss valuation methods and the application of coinsurance. Learn the proper use of various endorsements.
  • Examine the common coverage, exclusions, and limitations of the three Causes of Loss Forms (Basic, Broad, and Special) with emphasis on the Special Causes of Loss Form. You will also explore the need for the Legal Liability Coverage Form.
  • Learn the property exclusions that determine when an Equipment Breakdown Policy is needed. Determine the types of equipment to include, and the role of engineering as it relates to these policies.
  • Determine the what, how, and why of Business Income Coverage and Extra Expense coverage. Learn the importance of complying with the coinsurance provision and which Optional Coverages are used to remove or suspend this provision. Examine several valuable Business Income endorsements.

In the Insurance Company Operations course, you will learn strategic decision-making strategies for the purpose of satisfying regulatory requirements, meeting compliance standards, product development, underwriting, distributing and marketing, processing claims, and other vital company functions.

Executive Strategies (2 hours) - Learn what executive-level strategies to use to determine an insurance company's structure. Understand what regulations and compliance requirements are unique to the insurance business. Learn the role of executive-level decision-making in lines of business, geographic territory, personnel structure, delivery systems, and technology.

Actuarial Practices & Accounting (2 hours) - Learn how actuarial practices support the financial viability of an insurance company and the role they play in reports to state insurance departments and financial regulators. Learn about the work of actuaries in the insurance industry, as well as accounting processes and profitability ratios.

Product Development (2 hours) - Learn to explain how insurance product development relates to the livelihood of an insurance company. Identify sources of new insurance product development, discuss modifications of existing insurance products, and learn about creating insurance coverage for emerging industries.

Agency/Policyholder Services (2 hours) - How can an insurance company improve its agency/policyholder services and meet policyholder needs and expectations? Examine a variety of services that affect policyholders, including the appointment of insurance agencies, product delivery methods, and the provision of around-the-clock customer service.

Underwriting (4 hours) - Explain the importance of underwriting to an insurance company. Learn about the value of underwriting. Identify differences in company philosophies and analyze company guidelines. Discuss the use and types of reinsurance methods. Examine the purpose, function, and role of the loss control and safety specialist. Understand the purpose of a premium audit, the auditor's responsibilities, types of audits, and the impact of those audits.

Claims (4 hours) - Understand the steps in the claims process and the purpose and functions of each. Understand how a claims department interacts with other departments within a company. Discuss claim investigation and evaluation, claim payment, and claim reserving practices.​

There are countless opportunities for property and casualty professionals to develop life and health business. This institute will provide the essential background and knowledge for your personal understanding of these important products. It should also instill confidence in you to provide some counseling and guidance to your clients and succeed in this market.

Topics Covered:
  • Life Insurance Concepts
  • Health Insurance Concepts
  • Disability Income and Long-Term Care Insurance
  • Life and Disability Income Insurance products in a Business Situation
  • Planning for Personal Insurance Needs
  • Annuities in Retirement Planning

Participants will:
  • Learn the basic characteristics, provisions, and riders found in most life, health, and retirement planning type contracts.
  • Understand the application of these financial products to specific personal and business needs.
  • Learn practical information on how to determine proper coverage for a client and the best product design to fit a specific situation.​
In order to provide Personal Lines clients with the advice and protection they need, an understanding of the essential coverages provided by Homeowners, Personal Auto, and Personal Umbrella/Excess policies is necessary. As state-specific changes are included for the state in which the Institute is conducted, you will understand how state-specific changes revise coverage for your Personal Lines client.

Mandatory Topics Covered:
  • Personal Residential Coverages
  • Personal Automobile Coverages
  • Personal Umbrella/Excess Coverages

Ruble Graduate Seminars feature a variety of topic selections along with real-life applications for the material. Use what you learn here to explain to your clients the presence of specified risks and the most effective methods for remedying them.

CE Credit is available for MN and all bordering states, if you are licensed in a different state and registering less then 40 days from the program, please contact National Alliance to determine if CE is available.  1-800-633-2165

Ruble Graduate Seminars feature:

  • Varied educational choices which may include marketing, sales, and sales management subjects.
  • Concurrent sessions on the second day, which give you options for designing your educational experience.
  • Practical case study options that examine real-life examples, different styles of effective problem-solving, and complex exposure issues.