Underwrite High Risk Commercial & Industrial Insurance Training

Learning Outcomes

• Analyse the key characteristics and exposures of high-risk commercial and industrial insurance classes.
• Apply underwriting principles and criteria to evaluate and price high-risk insurance risks.
• Evaluate risk information and supporting documentation to determine insurability and terms.
• Demonstrate the ability to make underwriting decisions in accordance with organisational guidelines and regulatory requirements.
• Implement risk mitigation strategies and endorsements to manage high-risk exposures effectively.

Target Audience

This course is designed for insurance professionals, including underwriters, risk managers, and claims handlers, who are involved in assessing and pricing high-risk commercial and industrial insurance policies.

Prerequisites

None — open enrollment

Course Outline

Practicals

Overview

Practicals provide hands-on experience in risk assessment, underwriting decision-making, and portfolio analysis. Learners apply theoretical knowledge to realistic scenarios using case studies, data analysis tools, and role-play exercises.

Practical Activities

• Practical 1: Risk Assessment Walkthrough — Learners conduct a virtual site inspection of a manufacturing facility, identify hazards, and complete a risk assessment matrix. (6h)
• Practical 2: Underwriting a High Risk Property — Using a simulated submission, learners evaluate information, apply underwriting guidelines, and calculate a premium. (6h)
• Practical 3: Claims Analysis and Portfolio Adjustment — Learners review a claims portfolio, identify trends, and recommend underwriting actions to improve profitability. (5h)
• Practical 4: Emerging Risk Scenario Planning — Teams develop an underwriting response to an emerging risk (e.g., cyber attack on industrial control systems). (4h)

Summatives

Each delegate is assessed continuously throughout the course via daily exercises, scored practical assignments, and a final summative test at the end.

Practical Assignments — 30%

Practical assignments are observed and scored against a rubric during the practical sessions. Each delegate's practical mark is averaged into a single 100% score and contributes 30% to the final total.

Daily Exercises — 20%

Every training day ends with a multiple-choice exercise scored out of 100%. The scores from each daily exercise are averaged across the duration of the course to produce a Daily Average mark, which contributes 20% to the final total.

Final Test — 50%

On the last day a final summative test is written. It is a multiple-choice paper with multiple-answer questions: each question may have more than one correct option, and a single wrong selection on a question marks the entire question wrong — no partial credit. The final test is scored out of 100% and contributes 50% to the overall mark.

Final Total

Component	Out of	Weight
Practical Assignments (rubric-scored)	100%	30%
Daily Average (multiple choice)	100%	20%
Final Test (multi-answer multiple choice)	100%	50%
Final Total	—	100%

All marks are recorded on the AATICD LMS and visible to each learner under their account.

Certificate

How it works

• Certificates are auto-generated on the AATICD LMS as soon as the marks pass the 50% threshold.
• Each certificate is a branded PDF with the delegate's name, the course title, the unit standard ID, NQF level, credits, and the date of issue.
• You can download or print your certificate from your LMS dashboard at any time after issue — there's no reissue fee and no expiry date.
• If you scored under 50% you can sit the final test again at the next scheduled session at no extra cost.

Where to find it

Sign in to the LMS, open your dashboard, and your certificates appear under My Certificates. Each entry has a View / Download button and a print option.

Training Discounts

Group discounts apply automatically — the more delegates you enrol, the greater the saving. Discounts are calculated at 3% per 5 delegates, scaling up to 40% off for 100+ delegates.

Delegates	Discount
5	3% off
10	6% off
15	9% off
20	12% off
25	15% off
30	18% off
50	30% off
75	35% off
100	40% off

3% discount per 5 delegates, up to 40% off for 100+ delegates. Contact us for a custom group quote.