Commercial Insurance
The Burnham System
AINS 23
PDF & MP3
Basic Study Material

The Burnham System is written and promptly revised by

Ray Burnham, CPCU, CLU, ARM, AIC, AINS, AIS, API, SPPA, AIM, AIC-M, ARM-E, AU, AU-M, ALCM, AAI, AAI-M, APA, ARP, AIAF, AMIM, AAM, AIT, ARe, AFSB, ASLI, AIDA, ARC, ARM-P, PRC, REBC, RHU, ASF, LIA, CASL, ChFC, and PRC;

Jean O’Reilly, PhD, CPCU, ARM, AINS, AIS, API, AIC, SPPA, AIM, AIC-M. ARM-E, AU, AU-M, AAI, AAI-M, APA, AMIM, AIT, ARe, AFSB, ASLI, AIDA, ARC, ARM-P, AIAF, and PRC; and

Lisa Tobey, JD, CPCU, CLU, ARM, AINS, AIS, API, SPPA, AIM, AIC-M, ARM-E, AU, AU-M, AAI, AAI-M, APA, AIAF, AMIM, AIT, ARe, AFSB, ASLI, AIDA, ARC, ARM-P, ACS, PRC, RWCS, RHU, REBC, CASL, AIC, EA, ChFC, and PRC.

Copyright © 2024 The Burnham System

AINS 23
Digital & Audio Book

Commercial Insurance Study Guide

The Burnham System is the gold standard for AINS 23 study guide materials. Using our guide you will learn everything needed to pass the AINS 23 Exam in the shortest time possible. Simply, you will learn more faster.


Included for FREE with your purchase of this Digital Study Guide:

  • AINS 23 Audio Study Guide Narrations, in MP3 file format, expertly narrated by Lisa Tobey
  • Ray's answers to each assignment's review questions
  • Ray's definitions for each assignment's key words and other new terms
  • A sample diagnostic exam with answers and explanations


Study guide last updated: April 11, 2021


Current Text Edition: 5th

Current Course Guide Edition: 5th


Ray's estimate of course difficulty (1, easiest and 10, hardest): 4


Number of study guide pages: 56


Covered within this study guide:

  • Commercial Property Insurance, including Loss Exposures, The BPP, Causes of Loss, Conditions, Optional Coverages, Endorsements, and Business Income Insurance
  • Commercial Crime Insurance
  • Equipment Breakdown Insurance
  • Commercial Inland Marine and Ocean Marine Insurance
  • Commercial General Liability, including Exposures and Coverages, Limits, Duties, Other Insurance, Provisions, Claims-made Coverage, Endorsements, and Rating
  • Commercial Automobile Insurance
  • Workers’ Compensation and Employers’ Liability Insurance
  • The Business Owners Policy (BOP)
  • Farm Insurance
  • Miscellaneous Coverages, including Excess and Umbrella Liability, Environmental, Professional Liability, Management Liability, Aircraft, Foreign Operations, Terrorism, and Surety Bonds

As a good study guideline, figure anything in those 56 pages might be on your exam and that there will be nothing on your exam that is not covered in those 56 pages.


Notice: AAI®, AFSB®, AIDA®, AINS®, AMIM®, ANFI®, APA®, CPCU®, AAI-M™, AIAF™, AIC™, AIC-M™, AIM™, AIS™, AIT™, API™, ARC™, ARe™, ARM™, ARM-E™, ARM-P™, ASLI™, AU™, and AU-M™ are registered (®) or unregistered (™) trademarks of the American Institute For Chartered Property Casualty Underwriters, d/b/a The Institutes. SPPA® is a registered trademark.

The Burnham System, Inc. is not affiliated or associated with The Institutes in any way, and The Institutes do not endorse, approve, support, or otherwise recognize The Burnham System, Inc. or its products or services.


The Burnham System is written and promptly revised by

Ray Burnham, CPCU, CLU, ARM, AIC, AINS, AIS, API, SPPA, AIM, AIC-M, ARM-E, AU, AU-M, ALCM, AAI, AAI-M, APA, ARP, AIAF, AMIM, AAM, AIT, ARe, AFSB, ASLI, AIDA, ARC, ARM-P, PRC, REBC, RHU, ASF, LIA, CASL, ChFC, and PRC;

Jean O’Reilly, PhD, CPCU, ARM, AINS, AIS, API, AIC, SPPA, AIM, AIC-M. ARM-E, AU, AU-M, AAI, AAI-M, APA, AMIM, AIT, ARe, AFSB, ASLI, AIDA, ARC, ARM-P, AIAF, and PRC; and

Lisa Tobey, JD, CPCU, CLU, ARM, AINS, AIS, API, SPPA, AIM, AIC-M, ARM-E, AU, AU-M, AAI, AAI-M, APA, AIAF, AMIM, AIT, ARe, AFSB, ASLI, AIDA, ARC, ARM-P, ACS, PRC, RWCS, RHU, REBC, CASL, AIC, EA, ChFC, and PRC.

$245.00