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
You may view testing information on the Internet at: http://www.riosalado.edu/testing/pages/default.aspx
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://www.riosalado.edu/testing/examproctor/pages/default.aspx.
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.
Deadline to Request
1st Day of Class
2nd Calendar Day
3rd Calendar Day
4th Calendar Day
5th Calendar Day
5th Calendar Day
6th Calendar Day
7th Calendar Day
8th Calendar Day
9th Calendar Day
10th Calendar Day
10th Calendar Day
11th Calendar Day
12th Calendar Day
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.
All assignments are listed under the "Reading Assignment" box and in the "Assessing Your Learning" section.
Note to students: Keep a copy of everything that you submit. That way 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.
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:
Your Name: Jane Q. Doe
Your Address: 1234 Anywhere Street, Anytown, AZ
Course and Section Numbers: GPH111, Section ______
Assignment Identifier: Essay 1
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. 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.
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, he or she 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.
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 www.riosalado.edu/library.
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.
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 his/her original, independent work. Any student whose work indicates a violation of the MCCCD Academic Misconduct Policy at http://www.maricopa.edu/publicstewardship/governance/adminregs/students/2_3.php (including cheating and plagiarism) can expect sanctions as specified in the college catalog.
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.
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 Academic Misconduct as defined in MCCCD 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.
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 1-800-729-1197 or by email at firstname.lastname@example.org. Please include your name, student number, phone number, and new address including city, state, and zip code.
Rio Salado provides reasonable accommodations for students with documented disabilities. Please contact Disability Services at
(480) 517-8562) or email@example.com.
Course content may vary from this outline to meet the needs of this particular group.
Contact Rio Salado College
Advisement 480-517-8580, Fax: 480-377-4899
Bookstore 480-517-8710 or 1-800-584-8775 Fax: 480-517-8356
The RSC Bookstore does not accept credit cards over the phone. If you want to purchase textbooks with a credit card, including a Citi Prepaid Visa Card, you must either order your books online (www.riosalado.edu/bookstore) or visit the store in person. The bookstore is located in the Conference Center at 2323 W. 14th St., Tempe, AZ 85281. (Major cross streets are Broadway and Priest).
You may also purchase textbooks using the online ordering system.
Cashier's Office 480-517-8334, 480-517-8330, Fax: 480-517-83594
College Safety 480-377-4555 (www.riosalado.edu/about/news-resources/Pages/Safety.aspx)
Computer Labs 480-517-8450
Information about Rio Salado College computer labs located throughout the valley. The computer labs are open to registered students and have a variety of software available. Computer courses can also be taken from your home or office if you have the appropriate hardware and software. Some RSC locations have either Knowledge Commons or staff-supported and monitored Computer Labs.
Counseling for personal concerns that are interfering with your academic success, scholarship information, career planning, job hunting skills, and information or referrals to community services.
Course Support 480-517-8243
Course Support produces and distributes introductory materials such as welcome letters and instruction on how to access their courses to distance learning students and faculty.
Dental Hygiene 480-517-8020 (www.riosalado.edu/programs/dental_hygiene)
The facility is located at 2250 W. 14th St., Tempe, AZ 85281.
Disability Resources & Services 480-517-8562
Provides support and services to students with documented disabilities.
Financial Aid Toll-Free: 1-855-622-2332 Fax: 480-377-4702
Grants and scholarships are available to assist eligible students with college expenses. To be eligible for federal financial aid, students must meet application criteria and select a program of study. Applying for financial aid will take at least eight weeks, so begin early!
Honors 480-517-8656 (www.riosalado.edu/honors)
Includes the President's Honor Roll, Phi Theta Kappa, and Honors Program classes with award stipends for eligible students.
Instructional Helpdesk 480-517-8380, Toll Free 1-866-511-8380
Available to answer questions about your course, help you contact your instructor or your faculty chair, provide Successful Start information, and to help you work through instructional issues that may arise during your course.
Library Services 480-517-8424, Toll Free 1-800-729-1197, Fax 480-517-8449
Library books, DVDs, online databases of magazine and newspaper articles, online encyclopedias, image collections, e-books, reference assistance (phone, in-person, or e-mail).
Registration & Transcripts 480-517-8540, Toll Free 1-800-729-1197, Fax 480-517-8199
Public Safety 480-377-4555
Student Enrollment Services/Student Affairs) 480-517-8540
Ask for a Student Enrollment Representative to assist with general college information, registration and records information, tuition and fee payment information, transcript requests, pre-requisite approvals, basic course selection, or waivers.
Ask for a Student Enrollment Advisor for assistance with: educational goals and objectives, transcript evaluation, disability services and resources, advisement issues, scholarship and financial aid options, program and admissions information.
Sun Sounds 480-517-8300
Technology Helpdesk 480-517-8600
Available to help you work through any technological barriers that may come up during your "Online Experience."
Testing 480-517-8560 or Toll Free 1-866-517-8560
Distance learning midterm/final exams; testing sites, directions, business hours and schedules; exam proctoring for out-of-county students; disability services; placement testing; GED; prior learning assessment; national exams: CLEP, DANTES; degree specific exams.
Testing Information (recorded), 480-517-8558
Tutoring Services 480-517-8247
Tutors help Rio Salado Community College students prepare for tests, learn new concepts, improve study techniques, and answer questions about assignments.
Veteran Affairs 480-517-8153