CT Property & Casualty case studies
CT Property & Casualty · Put your knowledge to work in context.
The Connecticut Property and Casualty Insurance Producer license is the credential that lets you legally solicit, negotiate, and sell property and casualty insurance products in Connecticut. It is issued by the Connecticut Insurance Department and is typically the entry point for people moving into personal lines (home, auto, umbrella) or commercial lines (business property, general liability, workers' compensation) sales and service roles, as well as for agency owners, account managers, and customer service representatives who need to discuss coverage. The CT Property & Casualty case studies are 5 cases and about 3,905 words.
1The Colonial Insured to the Mortgage Balance
Dana owns a 1975 four-bedroom colonial insured on an HO-3 with Coverage A of 300,000, Coverage B of 30,000, Coverage C of 150,000 and Coverage D of 90,000. Her mortgage balance is 290,000, and she set the Coverage A limit to match it.
778 words, about 4 min2The Borrowed Sedan and the Third Vehicle
Greg's personal auto policy lists a 2016 sedan with liability limits of 100/300/50, a 500 collision deductible, a 250 other-than-collision deductible, and uninsured motorist coverage. His 22-year-old son Tyler lives at home and is a listed driver.
720 words, about 4 min3The Vacant Duplex Unit
Renee owns a duplex, lives in the left unit and rents the right unit for 1,450 a month. She insures the building with a DP-3: Coverage A 260,000, Coverage B 26,000, Coverage C 130,000 and Coverage D 52,000.
789 words, about 4 min4The Bakery, the Ovens and the Coinsurance Warning
Marisol owns a bakery-café in a leased strip-mall unit, insured under a businessowners policy with 600,000 of business personal property, business income written as actual loss sustained for 12 consecutive months, and a 25,000 spoilage limit. In March a fire destroys the custom oven line and the storefront.
846 words, about 4 min5The Landscaper, the Subcontractor and the Morning Commute
Hector owns a landscaping company with four full-time employees, 1.1 million of annual payroll and a workers' compensation experience modifier of 0.92. He pays Ray 38,000 a year to work five days a week under Hector's direction, using Hector's mowers and truck, on an hourly basis.
772 words, about 4 min