Expand your education in Small Business Commercial Lines Insurance

Take your business to the next level with ASNOA University's Small Business Commercial Lines course, an online education course offered EXCLUSIVELY to ASNOA affiliates. Whether you're a seasoned professional or a wide-eyed beginner, this course will help you sell small business commercial policies more confidently. Stay tuned for details on upcoming session registration!

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The “Small Business Commercial Lines Course” (or SBCL) provides knowledge and education of the basics to confidently and profitably sell small business commercial products. In this course, students will focus on the principals, coverages, agency management, customer services, best practices, and marketing strategies for SBCL. The goal is to provide a working knowledge of Small Business ACORD applications and ISO policy forms for Business Owners Policy BOP, Commercial Auto-CA, Workers Compensation-WC and Umbrella –UM.


This program provides tools, resources and best practices, along with informative marketing ideas to put a plan in place for selling Small Business Commercial Lines insurance with confidence.

SBCL Course Agenda

Live Online Course

Like to have a live instructor when you learn? You can register for live online courses to train along peers and interact with the trainer in real-time. The course takes approximately six weeks, covering one chapter per week.

The SBCL is an Investment in You

This class typically takes 20 hours to complete. If you make an average of $19 an hour, you're looking at investing $380 of time into developing your commercial lines expertise. Let's see the return on investment you get for those hours.

Is It Worth It?

To graduate you will sell a Commercial Lines account. An average account can include:

  • Average BOP = $1,000 (20% Commission)
  • Average BAP = $1,500 (15% Commission)
  • Average WC = $500 (15% Commission)
  • Average Umb = $1,000 (20% Commission)

Total Written Premium

The average account (shown left) totals $4,000 with an average commission of 17.5% ($700). The typical SBCL graduate goes on to sell one commercial lines policy a month for the next year. As a result, you could net (on average) a grand total of $8,400 from your initial investment of $380 worth of hours spent in just one year. That's quite a return!

Graudates who recommend SBCL
New business written by graduates to date
Total University graduates

Our Graduates


Kathy's SBCL Course is a great way to get an overview of each commercial line so you have at least a basic knowledge to get started. It also provides a great deal of resources to help you learn and start selling CL.

Joe Seitzer
Homeland Insurance Group


I have been writing commercial business for several years and didn't realize all of the resources available to me. If you are new to commercial lines, it would give you the best start. Learning the ACORD apps and the resources available are priceless! As someone who has worked with commercial lines, it fills in the gaps and makes it easier to close the sale.

Melinda Moffit
Bob Moffit Agency


The course gives you an understanding of each line of business so that you can feel confident in the product you are selling. Make sure you devote the time to really dig in and pay attention as there is such a wealth of knowledge at your fingertips without you having to go find it all yourself.

Mary Robinson
Scott Loveland Insurance


The class was very informative to get you better familiar with the ACORD forms and the information you need to know to help your customers better.

Jasmine Lindsay
Westside Insurance Agency

Kathy Collage

Our Trainers

Katherine Bova

I started as a CSR in 1980, earned my Commercial Lines Specialists from Travelers school in 1984, and was promoted in 1991 to Vice President of an independent agency. In 2005 I took advantage of an opportunity with ASNOA—a fast-paced, growing network—as the Commercial Lines Manager; with my years of experience with Applied Systems AMS, I quickly added the IS Trainer title in addition to the Commercial Lines Manager role. In 2011 I became Director of IS Training and Commercial Manager, and in 2018 I moved into the role of Vice President of Education. My next achievement was earning the Small Business Coverage Specialist SBCS and Insurance Training Professional ITP designations, and in 2020 I became the Vice President of Operations at ASNOA.

My specialty is small business commercial training because I've been there in the trenches selling SBCL insurance as an independent agent. I understand the nuances of marketing and servicing to this particular market.

I have a proven track record giving guidance to agents by setting best practices, developing workflows within an agency and teaching agents how to utilize their Agency Management System. I present at multiple Applied Net Conferences, participate on the Product Advisory Committee, and continually strive to make day to day processes easier.

Overall, I take pride in assisting new ASNOA Agents transition into the independent agency sector, as well as providing ongoing training for new agent’s staff.

More of Kathy

Read Kathy's Article on Sales Automation in Rough Notes
Watch Kathy speak about our integration with Applied Epic.


ASNOA University is pleased to announce the ASNOA Learning Management System!

The ASNOA Learning Management System (LMS) is pioneering the industry! Receive specialized training, advance your knowledge, and set yourself up to maximize your income potential. This platform offers exclusive carrier training, specialized learning paths, and all the educational resources needed to ensure elevated performance, and agency success.