Casualty-Only case studies
Casualty-Only · Put your knowledge to work in context.
The Casualty-Only designation covers the non-property half of the insurance business: liability, automobile, workers' compensation, crime, inland marine, and the regulatory and claims practices that surround them. It suits adjusters, underwriters, agents and brokers, claims trainees, and compliance staff who already touch casualty lines and want a structured, verifiable body of knowledge behind their day-to-day decisions. The Casualty-Only case studies are 5 cases and about 4,256 words.
1Completed-Operations Additional Insured Tender on a Construction Defect Injury
Harbor Ridge Construction is the general contractor on a 40-unit apartment project and subcontracted the HVAC package to Kelso Mechanical under a written agreement requiring Kelso to name Harbor Ridge as an additional insured on a primary and non-contributory basis "for ongoing and completed operations" and to indemnify Harbor Ridge for claims arising from Kelso's work. Kelso's CGL policy is an occurrence form with 1,000,000 per occurrence and a 2,000,000 general aggregate and a separate 2,000,000 products-completed operations aggregate.
848 words, about 4 min2Non-Owned Pickup Used for Deliveries: Which Auto Policy Pays
Bluepeak Foods runs a regional meal-kit delivery business. Its business auto policy declares symbol 1 (any auto) for liability with a 1,000,000 combined single limit and a 500 deductible on physical damage; the policy includes hired auto and non-owned auto coverage.
830 words, about 4 min31099 Landscape Subcontractor, Premium Audit, and a Multi-State Injury
Cedarline Landscaping is a Georgia corporation with six full-time employees and a workers' compensation policy with a 1,000,000 employers' liability limit. Part Three (other states insurance) lists Georgia and South Carolina.
815 words, about 4 min4Coinsurance, Civil Authority, and Code Upgrade After a Supply-Line Failure
Northgate Bakery owns a 12,000-square-foot building insured on a commercial property policy with a building limit of 1,200,000, a business personal property limit of 400,000, business income coverage of 500,000 with a 72-hour waiting period and a 30-day extended period of indemnity, and an 80% coinsurance clause on a replacement cost basis. A water supply line inside the building bursts, flooding the bakery and undermining the adjacent public sidewalk.
854 words, about 4 min5Staged Slip-and-Fall: Late Notice, EUO Refusal, and SIU Referral
Sunrise Plaza LLC owns a strip center and carries a commercial general liability policy with a 1,000,000 occurrence limit, a 10,000 medical payments limit, a 5,000 deductible, and a condition prohibiting voluntary payments. On March 3, shopper Tanya R.
909 words, about 5 min