Exams
There is a required in-person exam for this course. Please review the "Grading Procedure and Scale" portion of your Syllabus for details. Your course materialsmay give specific information about these exams and make suggestions for test preparation.
In-person exams are given at various locations throughout the valley for students who live in
Maricopa County.
You may view testing information on the Internet at: http://learnatrio.com/RL-testing
Students who live outside of Maricopa County or are registered with Disability Services may
request to have exams proctored. Please contact the Testing Center at (480) 517-8560 or 1
(866) 670-8420 (Toll-free).
Requests may also be made on the Internet by filling out and submitting the proctor request
form, located at: http://learnatrio.com/RL-testing-examproctor.
In-Person Examination Procedures
- There is no appointment necessary to take your exam. Exams can be taken during
normal hours of operation at any Rio Salado College testing site.
- You must complete the final exam by your course end date.
- You may take your exam(s) before your course end date if and only if you have
received all of your graded assignments.
Final Grade Options
- Letter grade (A, B, C, D, F) - Awarded if the student completes all work, including the final exams.
- Extension (in lieu of Incomplete grade) - Students may request an extension because of illness or other extenuating circumstances, if they have been doing acceptable work. The instructor will define the requirements and timelines to complete the course.
Please Note: Instructors are not obligated to give extensions.
- Withdrawal - Students may submit a withdrawal request on or prior to the “Deadline for Student to Withdraw with Guaranteed Grade of W” indicated in the college catalog.
Students should not contact their instructor to request a withdrawal. A student wishing to withdraw from a class within the stated timeline must do so by visiting my.maricopa.edu or by calling Student Enrollment Services at 480.517.8540 (1.800.729.1197 toll-free). In extreme circumstances, students do have the option of requesting a complete withdrawal from the college by providing Student Enrollment Services with appropriate documentation.
- Credit/No Credit Option (P/Z) - This course may be taken on a credit/no credit basis.
To receive Credit "P" grade, students must complete all course work, including exams, and attend all required meetings. A "P" grade is judged to be equivalent to a grade of "C" or higher. A No-Credit "Z" grade will be awarded for course work judged to be below the grade of "C."
It is the student's responsibility to request advisement at (480) 517-8580 concerning the transferability of a grade of "P" or "Z."
You have a set number of days from your start date to request to change your grade option. See the table below to determine deadline based upon the length of your course
For example in a 14-week course you will have until the 11th calendar day to request to change your grade option.
Class Length
|
Deadline to Request
|
Two Weeks
|
1st Day of Class
|
Three Weeks
|
2nd Calendar Day
|
Four Weeks
|
3rd Calendar Day
|
Five Weeks
|
4th Calendar Day
|
Six Weeks
|
5th Calendar Day
|
Seven Weeks
|
5th Calendar Day
|
Eight Weeks
|
6th Calendar Day
|
Nine Weeks
|
7th Calendar Day
|
Ten Weeks
|
8th Calendar Day
|
Eleven Weeks
|
9th Calendar Day
|
Twelve Weeks
|
10th Calendar Day
|
Thirteen Weeks
|
10th Calendar Day
|
Fourteen Weeks
|
11th Calendar Day
|
Fifteen Weeks
|
12th Calendar Day
|
Sixteen Weeks
|
Within 14 days including the first class period
|
You may request to change your grade option yourself by calling Course Support at (480) 517-8243 by the deadline as outlined above.
Late or Missing Assignments
Assignments that have due dates are due on time according to the due dates. If you need to request an extension for an assignment, a request must be made to your instructor by voicemail at least one week prior to the due date.
Late points may be applied at the instructor's discretion.
Hints for Success
Insurance is a unique and fascinating segment of the global economy. People from around the world spend literally billions of dollars to insure everything from a small house to a multi-million-dollar building. Helping you understand how the industry operates is the goal of this course.
Commercial Insurance serves as a logical follow up to the introductory course titled, Introduction to Property and Liability Insurance (GBS258). The focus of Commercial Insurance is to learn about those insurance policies that are purchased by businesses. Of critical importance is to understand how property, general liability, commercial auto, workers compensation, marine, farm, and other related products impact the business community.
The best way to succeed in this course is to begin each assignment by reviewing the Course Guide, a required book for GBS264. For each assignment, the Course Guide will list the chapter to be read, provide an overview of the material to be covered, and list the educational objectives for the reading. In addition, the Course Guide contains a number of important terms and phrases that the student should review during the reading. Finally, each assignment has a number of review and discussion questions to help you master the material presented. Throughout the “semester,” the Course Guide can be your best friend.
There are literally thousands of insurance companies that offer commercial insurance products in the United States. Most insurers use coverage forms designed and distributed by the Insurance Services Office (ISO) located in New Jersey. ISO, with input from agents, insurance companies, regulators, and insurance buyers, provides a valuable resource by developing and maintaining products that meet the needs of policyholders. Copies of commonly used forms that are issued to insure business related property, liability, and auto exposure are included in the Appendix section of the Course Guide. Students are encouraged to review these forms in order to fully understand how the coverage grants, exclusions, and conditions apply.
Education for members of the insurance business is critical as the number of more and more complex risks increases. Part of the continuing education process involves the awarding of professional designations that are recognized throughout the industry. The American Institute of Property and Casualty Underwriters (AICPCU) and the Insurance Institute of America (IIA), both established in 1926, are the leaders in insurance education. The staff at IIA is responsible for developing the curriculum and study materials for GBS264 and two other insurance courses offered by Rio Salado Community College. In addition, they also award the Program in General Insurance (INS) certification.
To receive the certificate, students must pass three multiple-choice national examinations. The courses required for designation are all offered by Rio Salado Community College. The courses are:
Introduction to Property and Liability Insurance (GBS258)
Personal Insurance (GBS263)
Commercial Insurance (GBS264)
AICPCU and IIA refer to these courses as INS21, INS22, and INS23 respectively.
What does this mean to you? With a little extra time and effort, you can register and sit for the national exam and work on professional certifications as well as a college degree. Interested? Contact your instructor, AICPCU/IIA at 800-644-2101, or go to www.aicpcu.org for additional information, if you have access to the Internet.
Copyrights and Acknowledgements
Some images used in courses are licensed as follows: Accunet/AP Multimedia Archive, http://www.clipart.com, http://www.jupiterimages.com, EBSCO Image Collection.
Updated on 7/13/2020 as per Stephanie's request. Removed the links.
Submitting Assignments
All assignments are listed under the "Assessing Your Learning" heading in each lesson.
Note to students: Keep a copy of everything that you submit. If your work is lost you can submit your copy for grading. If you
don’t receive your graded assignment or quiz results within two or three weeks after submitting it, please contact your instructor.
The due date listed in your course calendar is the last date on which an assignment can be delivered to the Course Support Office, or
postmarked.
Distance Learning Drop Box
Distance Learning students can now drop off class assignments (in an appropriately addressed envelope) and return library books, videotapes, and/or
cassettes at the Distance Learning Drop Box.
The Drop Box is conveniently located along the curb in front of the Rio Salado building at 2323 W. 14th Street in Tempe.
Mailed Assignments
All mailed assignments must be properly addressed and mailed with adequate postage. Please remember all correspondence to Rio
Salado College must have a return address, an addressee, and the correct postage. The U.S. Postal Service may refuse delivery if
any of these three are missing. All items placed in the Rio drop box must have a return address and an addressee. Please keep a
copy of all work turned in to your instructor. Assignments will not be accepted if postage is due. If you are unsure of the postage required, take
the item to the post office and have it weighed.
Include the course section number and assignment identifier on the envelope below your name and return address. Envelopes that are labeled
incorrectly can cause a delay in processing your work. Address your envelope as shown in this example:
From:
Your Name: Jane Q. Doe
Your Address:
1234 Anywhere Street, Anytown, AZ
Course and Section Numbers:
GPH111, Section 12345
Assignment Identifier:
Essay 1
To:
The Course Support Office Rio Salado College
P. O. Box 63310
Phoenix, AZ 85082-3310
Attn:
(Write your instructor’s name here)
Your section number can be found in your "Welcome Letter".
The Course Support staff cannot answer questions about the receipt of specific mail-in assignments. Only your instructor can do so.
Note to students: Please submit only one assignment in each envelope. The special envelopes provided to you by Rio Salado are only
for computer answer sheets (Scantrons). Please mail all other assignments in separate envelopes.
Note to students: The U.S. Post Office no longer offers Sunday or holiday mail posting, and pick-up does not automatically mean
that your envelope will be posted the same day. To be safe, allow extra time: mail early.
Faxed Assignments
Assignments may be faxed to (480) 377-4728 for print and mixed media courses. Your name, your instructor's name, and the course
name and section numbers must appear at the top of every page. When the Course Support Office receives assignments, they are sent to your
instructor for evaluation. Once your instructor has graded your assignment, they will return it to you.
Protect your hard work. Again, clearly label every page of your assignment with your name, the course and section numbers, your instructors name,
and the name of the assignment as it appears in the syllabus.
Course Completion Policy
A student who registers for a Print or Multimedia course is assigned a start date and an end date. It is the
student's responsibility to note due dates for assignments and to keep up with the course work.
Students may request an extension because of illness or other extenuating circumstances, if they have been doing acceptable work. The instructor
will define the requirements and timelines to complete the course.
Please Note: It is the prerogative of the instructor to decide whether or not to grant the request.
Library Services
The Rio Salado Library is committed to student success and provides a variety of materials and services to enhance student learning. Utilizing Rio’s
online library for your research is the best way to ensure that your sources are validated, authoritative, and appropriate for college-level
coursework. Librarians are available to help you at all times via our Ask a Librarian live chat service. You can access all library services at
https://learnatrio.com/31qeRec.
Academic Misconduct
Academic Misconduct includes cheating, conspiring to cheat, soliciting to cheat, attempting to cheat, plagiarism, fabrication on an assignment, or
other forms of dishonest presentation.
Posting assessments on an unauthorized web site, soliciting assessment answers and the unauthorized acquisition of assessments, assessment answers,
or other academic material is cheating. Turning in content created by essay generators or other types of artificial intelligence platforms is also academic misconduct.
Plagiarism includes, but is not limited to, the use of paraphrase or direct quotation of the published or unpublished work of another person without
full and clear acknowledgment. It also includes the unacknowledged use of materials prepared by another person or agency engaged in the selling or
sharing of term papers or other academic materials. Information gathered from the Internet and not properly identified is also considered
plagiarism.
We expect every student to produce their own original, independent work. Any student whose work indicates a violation of the
MCCCD Academic Misconduct Policy, including cheating and plagiarism, can expect sanctions as specified in the college catalog. This
policy is located at https://district.maricopa.edu/regulations/admin-regs/section-2/2-3#11.
Rio Salado College uses software that uncovers plagiarism from student to student and other data sources on the Internet. If a student is found to
have plagiarized content, grade consequences will be applied in accordance with departmental policies.
Civility Policy
The faculty of Rio Salado place a high value on the importance of general ethical standards of academic behavior and expect that communication
between students and instructors or among students shall maintain the level of formality and mutual respect appropriate to any college
teaching/learning situation.
Language or behavior that is rude, abusive, profane, disruptive, or threatening will not be tolerated. Activity of this type is defined as Academic
Misconduct in the MCCCD Academic Misconduct Policy (AR 2.3.11). Students engaging in such behavior will be removed from the course
with a failing grade. Additional sanctions may be applied pursuant to AR 2.3.11. This policy is located at
https://district.maricopa.edu/regulations/admin-regs/section-2/2-3#11.
Requirement for Active Class Participation
Please note that students may be withdrawn from class for non-participation.
If you receive financial aid of any kind, it is your responsibility to protect your eligibility to receive financial aid by meeting the active
participation requirements of this class.
Change of Address
Please notify Course Support at (480) 517-8243 or by email at course.support@riosalado.edu. Please include your name, student number, phone number,
and new address including city, state, and zip code.
Classroom Accommodations for Students with Disabilities
In accordance with the Americans with Disabilities Act, the Maricopa County Community College District (MCCCD) and its associated colleges are
committed to providing equitable access to learning opportunities to students with documented disabilities (e.g. mental health, attentional,
learning, chronic health, sensory, or physical). Each class/term/semester that a student is in need of academic adjustments/accommodations, the
qualified student is required to work with the Disability Resources & Services Office (DRS) at their individual college(s). Contact with the DRS
should be made as soon as possible to ensure academic needs are met in a reasonable time. New and returning students must request accommodations
each semester through DRS Connect online services. To learn more about this easy process, please contact your local DRS office.
If you have not yet established services through DRS, but have a temporary health condition or permanent disability that requires accommodations,
you are welcome to contact DRS by using the information listed on the following webpage:
https://district.maricopa.edu/consumer-information/disability-resources/contacts. The DRS offers resources and coordinates reasonable accommodations
for students with disabilities and/or temporary health conditions qualifying for accommodations/academic adjustments. Reasonable accommodations are
established through an interactive process between you, your faculty, and DRS; and only those academic adjustments/reasonable accommodations granted
by the DRS are recognized by the college and District. It is the policy and practice of the MCCCD to create inclusive and accessible learning
environments consistent with federal and state law.
Retrieved from https://district.maricopa.edu/mandatory-drs-title-ix-syllabus-statements on 09/27/2019.
Rio Salado College Disability Resources & Services
Religious Accommodations
Rio Salado College will reasonably accommodate the religious needs, observances, and practices of their students, when requested and the requests are made in accordance with the procedures set forth in ND-4. Any student may request a religious accommodation by making a written request for an accommodation to the appropriate faculty member using the Religious Accommodation Request form. To the extent possible, requests must be made at least two (2) weeks before the requested absence from class due to religious holiday or day of observance.
Title IX Statement
Addressing Incidents of Sexual Harassment/Assault, Dating/Domestic Violence, and Stalking
In accordance with Title IX of the Education Amendments of 1972, MCCCD prohibits unlawful sex discrimination against any participant in its
education programs or activities. The District also prohibits sexual harassment—including sexual violence—committed by or against students, District
employees, and visitors to campus. As outlined in District policy, sexual harassment, dating violence, domestic violence, sexual assault, and
stalking are considered forms of "Sexual Misconduct" prohibited by District policy.
District policy requires all college and District employees in a teaching, managerial, or supervisory role to report all incidents of Sexual
Misconduct that come to their attention in any way, including but not limited to face-to-face conversations, a written class assignment or paper,
class discussion, email, text, or social media post. Incidents of Sexual Misconduct should be reported to the college Title IX Coordinator. MCCCD
will provide on its Title IX Coordinators web page at https://district.maricopa.edu/consumer-information/title-ix/title-ix-coordinators, a link to
all the Title IX Coordinators in the district. Reports may also be reported at https://district.maricopa.edu/consumer-information/reporting.
Retrieved from https://district.maricopa.edu/mandatory-drs-title-ix-syllabus-statements on 09/27/2019.
Rio Salado College Title IX Coordinator
Disclaimer
Course content may vary from this outline to meet the needs of this particular group.
Student Solution Center
Rio Salado College is dedicated to a quality learning experience and has provided the Student Solution Center webpage,
https://learnatrio.com/3DGKHTz, as a resource for students to raise issues to our attention. We look forward to the
opportunity to provide an equitable solution to all involved parties.
For grading or instructional issues, students should first contact their faculty member(s) in accordance with the Instructional Grievance Process at
https://district.maricopa.edu/regulations/admin-regs/appendices/students/s-6, as published in the college catalog.
The Office of Institutional Integrity & Compliance responds to all non-instructional challenges and concerns a student may encounter while
attending Rio Salado College. Call (480) 517-8505 or email studentcomplaints@riosalado.edu.
The Conduct and Community Standards Office is available to assist students in understanding their rights and responsibilities and administers the
Student Code of Conduct policies and procedures. The Conduct and Community Standards Office also works with Academic Affairs to administer the
Academic Code of Conduct. Call (480) 517-8196 or email communitystandards@riosalado.edu.
Students may also contact their state regulatory agency (see https://learnatrio.com/RL-state_authorization), the Arizona
SARA Council at https://azsara.arizona.edu/content/complaint-process or the Higher Learning Commission at
http://www.hlcommission.org/Student-Resources/complaints.html to escalate their concerns.
Contact Rio Salado College
Rio Salado College
Headquarters/Tempe Campus
2323 West 14th Street, Tempe, AZ 85281
In-State (AZ) 480-517-8000
Out-of-State 1-833-RIO-WAVE
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Please give us feedback on your customer service experience.
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