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CRIS Training

TL;DR
  • CRIS training means five separate core courses from IRMI, each with its own final exam, not one combined test.
  • Online pricing is $169 per course or $845 for all five; state insurance CE credit adds $19 per course.
  • You must complete all five courses and finals within 60 months of starting, in any order you choose.
  • Each designation-route final has 50 randomized multiple-choice questions, a 70% passing mark, and unlimited retakes.

What CRIS Training Actually Consists Of

The Construction Risk and Insurance Specialist designation is issued by the International Risk Management Institute (IRMI). Unlike many professional credentials, it is not built around a single comprehensive proctored exam. The "training" and the "testing" are the same thing: you work through five core courses, and each course ends with its own final examination. Completing all five earns the designation.

That structure shapes how you should think about preparation. You are not cramming for one high-stakes sitting that spans every topic. You are completing a sequence of focused, topic-specific courses, passing each final, and accumulating credit toward the designation. If you are still orienting yourself to the credential, our overview pieces on what CRIS certification is and what CRIS stands for cover the basics before you commit to the program.

Identity check: In this article, CRIS refers only to the Construction Risk and Insurance Specialist designation from IRMI. Other credentials share the same four letters, including at least one in healthcare. Their requirements, fees, and exams are entirely different, so make sure any course page or price you are looking at belongs to the IRMI program.

How the Program Is Delivered and Priced

Courses are hosted through the IRMI Learning Center on the WebCE platform. WebCE validates completed tests and issues course certificates, and IRMI also works with education partners that deliver the content in other formats, such as chapter-hosted sessions and association-run programs. Some insurance associations run instructor-led versions of individual courses, which can suit people who learn better in a live setting than in self-paced modules.

ItemWhat the program specifies
Number of core coursesFive, each with a separate final examination
Online price per course$169
Online price for all five$845
State insurance CE credit (optional)$19 per course
Completion window60 months from starting the program
Course orderAny order
Estimated time per courseSix to ten hours of study/completion time

Note that the six-to-ten-hour figure is IRMI's estimate of how long a course takes to work through, not a countdown timer on the final. For a fuller look at what you will spend including optional add-ons, see our CRIS certification cost breakdown.

The state CE credit decision

Many candidates already hold a resident insurance license and need continuing education anyway. The optional state CE add-on lets a course double as licensing credit for $19 per course. The tradeoff matters, though: selecting state CE credit can change how many questions appear on the final and can limit retakes. IRMI's FAQ states that those finals contain no more than 50 questions. If your only goal is the designation, the designation-only route gives you the simplest rules, including unlimited retakes. If you need CE hours, weigh the retake limits before choosing.

The Five Core Courses, Course by Course

The five course titles below are the exact names in IRMI's published program. They are curriculum headings, not weighted domains of a single exam, so do not expect equal or published percentage splits among them. For a deeper content walkthrough, see our guide to all five CRIS content areas.

Commercial Liability Insurance for Contractors

This is the course most candidates treat as the backbone of the program, because liability coverage is where contractors face their most expensive and most disputed claims.

  • How commercial general liability forms respond to construction operations and completed work
  • Coverage triggers, exclusions, and endorsements that commonly affect contractors
  • The interplay between a contractor's own policy and coverage extended to others
  • Why wording details decide whether a construction claim is covered

Contractual Risk Transfer in Construction

Construction projects move risk through contracts: indemnity clauses, additional insured requirements, waivers of subrogation, and insurance specifications. This course teaches you to read those provisions and judge whether the insurance program actually supports them.

  • Hold-harmless and indemnity language and where it runs into enforceability limits
  • Additional insured status and what it does and does not deliver
  • Reviewing subcontract insurance requirements against actual policy terms
  • Gaps that appear when contract promises exceed available coverage

Property Insurance for Contractors

Property exposures in construction differ from those of a stable, occupied building. Materials, equipment, and work in progress are all at risk at changing locations.

  • Builders risk concepts for projects under construction
  • Coverage for contractors' equipment and tools
  • Valuation, deductibles, and covered causes of loss in a jobsite setting
  • Who is responsible for insuring what on a given project

Workers Compensation for Contractors

Construction is a labor-intensive trade, so this course matters well beyond the exam.

  • Classification of construction operations and why class codes drive premium
  • Experience rating and its effect on a contractor's costs
  • Subcontractor employee exposure and uninsured subcontractor risk
  • How wage and payroll treatment affects the premium base

Commercial Auto, Surety, CIPs, and Miscellaneous Lines

The title tells you this course covers several distinct topics, and it is the one most likely to feel like a grab bag.

  • Commercial auto exposures for fleets, hauling, and mobile equipment
  • Surety bonds in construction and how they differ from insurance
  • Controlled insurance programs (CIPs), where the project sponsor arranges coverage for many participants
  • Other lines that touch contractors but do not fit neatly elsewhere

Key Takeaway

Treat each course as its own mini-credential. Because each has a separate final, you can finish one completely, bank the result, and move on without carrying its details in your head while studying the next.

Choosing Your Course Order

IRMI lets you take the courses in any order, so sequencing is a strategic choice rather than a rule. Three approaches work well, depending on your background.

  1. Start with your weakest area while motivation is high. If you come from a property or personal lines background, liability and risk transfer will feel foreign. Tackling them first prevents you from dragging them to the end.
  2. Start with your strongest area to build momentum. A quick early pass and a first completed course certificate can make the 60-month window feel manageable.
  3. Follow your day-to-day work. If you are currently reviewing subcontractor agreements, take Contractual Risk Transfer in Construction now and apply it immediately.

One practical logic: the liability course and the risk transfer course reinforce each other, because understanding how a liability policy responds makes contract insurance requirements far easier to evaluate. Many candidates find taking them back to back more efficient than separating them.

What the Course Finals Look Like

On the designation-only route without state CE credit, each final has 50 randomized multiple-choice questions. A 70% score is required to pass, which on a 50-question test means 35 correct answers. Retakes are unlimited. Randomization means the question pool is drawn so that two attempts will not present an identical set in an identical order, so memorizing a prior attempt is not a viable strategy.

A fixed exam timer was not verified in the sources reviewed, so do not assume a specific time limit. Check the course page when you enroll. For the full picture on scoring, our page on the CRIS passing score goes deeper, and how hard the CRIS exam is discusses what makes the finals demanding in practice.

Prerequisite knowledge: The curriculum assumes you already understand basic insurance terminology and fundamentals. Prior degrees or other designations do not waive any of the five core courses. If terms like deductible, occurrence, or named insured are not second nature, build that foundation first so course time is spent on construction-specific content rather than vocabulary.

What question style rewards

Construction insurance questions tend to reward applied reasoning over recall. Expect scenarios in which a contractor, subcontractor, and owner each hold different policies and the question asks which coverage responds, or whether a contract requirement is satisfied. Reading carefully for who is the insured, what the operation is, and when the loss occurred will usually narrow the choices faster than memorized definitions.

A Domain-Driven Study Sequence

Because the program is five separate courses, a plan organized by course works better than a calendar of generic study blocks. Here is one way to pace a first pass, assuming the six-to-ten-hour estimate per course and a flexible timeline. Adjust the order to your background.

Weeks 1-2

Commercial Liability Insurance for Contractors

  • Work through the full course before touching the final
  • Build your own list of common exclusions and endorsements
  • Take the final once the material feels automatic
Weeks 3-4

Contractual Risk Transfer in Construction

  • Pair each contract concept with the liability coverage that supports it
  • Practice reading sample indemnity and insurance clauses critically
Weeks 5-6

Property Insurance for Contractors and Workers Compensation for Contractors

  • Group these because both are more rule-and-formula driven than interpretive
  • Focus on class codes, valuation, and responsibility allocation
Weeks 7-8

Commercial Auto, Surety, CIPs, and Miscellaneous Lines

  • Study each sub-topic separately, since they do not share a common thread
  • Be precise about how surety differs from insurance

For a more general framework, our CRIS study guide covers pacing and retention in more detail, and the CRIS cheat sheet is useful for a last-pass review before each final. If you want realistic practice before sitting a final, the CRIS practice tests are built for exactly that.

Who Benefits Most From the Training

The designation is aimed at people whose work touches construction risk. In practice that includes insurance agents and brokers who place coverage for contractors, underwriters evaluating construction accounts, claims professionals handling construction losses, and risk managers or safety and finance staff at contracting firms. Surety and bonding professionals also work close to these topics.

Employers that hire for these roles include retail and wholesale agencies with construction books, carriers and managing general agents writing contractor business, and the contractors themselves. Whether the credential changes your pay or advancement depends heavily on your employer and market, and no specific figures are claimed here. If you are weighing the investment, see our analyses of whether the CRIS is worth it, the CRIS salary guide, and CRIS jobs.

Keeping the Designation Active

Finishing the five courses is not the end of the commitment. Renewal is annual and requires six approved continuing-education hours within each 12-month period. Surplus hours do not roll forward, so earning twelve hours in one year does not cover the next. Build the habit of logging approved CE steadily rather than scrambling near the deadline.

When researching renewal, rely on IRMI's own reaccreditation requirements. Some partner pages contain renewal language written for professional or management liability designations, which does not describe the construction-specific scope of this credential. For eligibility and other administrative details, our CRIS requirements article is a good reference.

Frequently Asked Questions

How many courses do I need to complete for CRIS training?

You must complete all five core courses and pass each course's separate final examination. The courses can be taken in any order, but all five must be finished within 60 months of starting the program.

How much does CRIS training cost?

The online core program is $169 per course or $845 for all five. Optional state insurance continuing-education credit adds $19 per course. See the full pricing breakdown for details on what each option includes.

What happens if I fail a course final?

On the designation-only route without state CE credit, retakes are unlimited and a 70% score passes. If you select state insurance CE credit, retakes may be limited, so consider that before choosing the CE option.

Does my college degree or another designation waive any courses?

No. Prior degrees and other designations do not waive any of the five core courses. The curriculum does assume you already know basic insurance terminology and fundamentals.

How long does each course take?

IRMI estimates six to ten hours of study and completion time per course. That is a pacing guide for working through the material, not a timer on the final examination.

How do I maintain the designation once I earn it?

Renewal is annual and requires six approved continuing-education hours in each 12-month period. Extra hours do not carry over to the next period.

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