AL Property & Casualty case studies

AL Property & Casualty · Put your knowledge to work in context.

The Alabama Property and Casualty Producer License is the credential that allows a person to sell, solicit, and negotiate property and casualty insurance products in Alabama on behalf of authorized insurers. Candidates typically pursue it to work as agency producers, customer service representatives moving into sales, captive or independent agents, or staff at agencies writing homeowners, auto, commercial property, and liability business. The AL Property & Casualty case studies are 5 cases and about 3,587 words.

Hurricane Deductible, Wind-Driven Rain, and Code Upgrades on a Coastal HO-3

Denise owns a two-story house near Mobile, Alabama, insured on an HO-3 with Coverage A of 380,000 (replacement cost), Coverage B at 10%, Coverage C at 50%, a 2,500 all-perils deductible, and a 2% hurricane deductible. On September 14 the National Hurricane Center issued a hurricane warning for Mobile County; Hurricane Delia made landfall the next day with 85 mph winds.

742 words, about 4 min 2

Coinsurance Penalty and Business Income on a Fire Caused by Equipment Breakdown

Birmingham Metal Works insures its plant under a commercial property policy (special form, replacement cost) with a 1,800,000 building limit, a 90% coinsurance clause, a 10,000 deductible, and business income coverage of 600,000 with a 72-hour waiting period and a 60-day extended period of indemnity. In April a dust-collector bearing seized, overheated, and ignited ductwork.

675 words, about 3 min 3

Construction Defect: Which CGL Year, the Subcontractor Exception, and a Defective Additional-Insured Endorsement

In 2018 a Huntsville general contractor completed a 40,000-square-foot retail center, subcontracted the exterior stucco to a subcontractor that carried its own CGL with 1,000,000 per occurrence and a 2,000,000 aggregate, and asked the sub to name it as additional insured. The compliance file shows the endorsement used was CG 20 10 11 85.

711 words, about 4 min 4

Business Auto, Non-Owned Autos, and Alabama Uninsured Motorist Coverage

Ridgeline Heating & Air is an Alabama S corporation with one scheduled company van on a business auto policy using symbol 1 (any auto), liability limits of 1,000,000 combined single limit, hired-auto coverage, and no physical damage coverage. Technicians also drive their personal trucks to job sites; the company reimburses mileage and has techs pick up a 300 part at the supply house on the way to the first job.

764 words, about 4 min 5

Workers' Compensation: TTD to TPD, Third-Party Subrogation Math, and Suing Others

Marcus, a 42-year-old roofer with an average weekly wage of 1,200, was struck by a delivery truck driven by a third-party carrier while carrying shingles across a job-site parking lot in Jefferson County, Alabama. He was totally disabled for eight weeks, then returned to light duty at 600 per week.

695 words, about 3 min