CT Property & Casualty study plan

Define the characteristics of an insurable risk and classify ten given exposures as insurable or non-insurable.

Explain indemnity, insurable interest, utmost good faith, subrogation, and contract of adhesion, and match each principle to a specific policy clause that implements it.

Diagram the anatomy of a property policy (declarations, insuring agreement, conditions, exclusions, definitions) and locate where each principle lives inside it.

Compute actual cash value losses and coinsurance penalties for five scenarios without referencing notes.

Break down the four elements of negligence, proximate cause, and comparative versus contributory negligence, then apply them to three liability fact patterns.

Distinguish absolute, strict, and vicarious liability and supply an original example of each from everyday commerce.

Differentiate the DP-1, DP-2, and DP-3 forms by perils basis and identify which perils are named versus open perils.

State Dwelling policy eligibility, occupancy rules, and the percentage-based sublimits without referencing notes.

Compare how a Dwelling form and a Homeowners form would respond to the same three claim scenarios.

Map HO-2, HO-3, HO-4, HO-5, HO-6, and HO-8 to their eligible risks and perils basis without notes.

Recite Coverages A through F and the special limits of liability for money, securities, theft of jewelry, and business property.

Apply Section II Coverages E and F to four fact patterns, correctly separating personal liability from medical payments to others.

Explain the commonly tested exclusions and endorsements, including ordinance or law, water damage, and scheduled personal property.

Deconstruct PAP Parts A through D, and convert a split limit such as 100/300/50 into per-person, per-occurrence, and property damage components.

Apply the definition of insured to named insured, resident relatives, and permissive users across four scenarios.

Contrast uninsured motorist, underinsured motorist, medical payments, and no-fault/PIP benefits, and identify the liability limits Connecticut requires.

List the major policy exclusions and the endorsements that restore or modify coverage, including named non-owner and miscellaneous type vehicle.

Explain how a commercial package policy is assembled from coverage parts, declarations, conditions, and interline endorsements.

Identify the commercial property coverage forms for building and personal property, business income, and extra expense, and describe their valuation and coinsurance mechanics.

Compare the occurrence versus claims-made liability triggers on a timeline and distinguish CGL Coverages A, B, and C.

Differentiate additional insured, waiver of subrogation, and primary/noncontributory endorsements by function and by who benefits.

Identify businessowners policy eligibility rules and the property and liability coverages included, then name businesses that must be written on a commercial package policy instead.

Separate Part One (workers compensation), Part Two (employer's liability), and Part Three (other states) by what each pays and who it protects.

Classify workers compensation benefits into medical, disability income, death, and rehabilitation categories, and compute a disability benefit from a given average weekly wage and statutory percentage.

Explain the exclusive remedy doctrine and how the experience modification factor changes an employer's premium.

Match inland marine, flood, earthquake, umbrella/excess liability, and residual market mechanisms to ten described coverage-gap scenarios.

Explain the purpose of professional liability, directors and officers, employment practices, and cyber coverage in one sentence each.

Outline producer licensing, appointment, continuing education, and fiduciary handling of premiums.

Summarize solvency regulation, guaranty association protection, rate filing, and unfair trade practices from memory.

Retake every domain quiz and rank domains from weakest to strongest by percentage correct.

Re-study the three weakest domains and rewrite each missed question's governing rule in your own words.

Complete two timed 100-question mixed practice exams under test-day conditions with no notes.

Recite the limits, sublimits, and deductible features of each major policy form from memory.