DE Property & Casualty case studies
DE Property & Casualty · Put your knowledge to work in context.
The Delaware Property & Casualty insurance license is a state credential that allows a producer to sell and service property and casualty insurance products in Delaware. It suits career changers entering insurance sales, agency staff who need a lines license, and customer-service or claims professionals moving into licensed roles. The DE Property & Casualty case studies are 5 cases and about 3,702 words.
1The Unlicensed Binder, the Commingled Premium, and the Referral Gift Card
Dana is a producer at a small Delaware agency writing personal and small commercial lines. In March, Dana's unlicensed customer service representative, Marcus, emails a quote to a restaurant owner and, when the owner replies "we're good," answers "you're bound as of today" - even though the carrier's underwriter has issued nothing.
667 words, about 3 min2Burst Supply Line, Hidden Mold, and a Two-Year Dishwasher Leak
The Kellers have an HO-3 on a 1998 colonial: Dwelling A 420,000, Coverage C 210,000, Coverage D 84,000, a 2,500 deductible, and the limited fungi (mold) endorsement with a 10,000 limit. In February, while the family was away for 11 days, the braided supply line to the upstairs washing machine failed and water ran until a neighbor noticed.
701 words, about 4 min3The Borrowed SUV on a Catering Run and the Rented Box Truck
Priya carries a personal auto policy with liability limits of 100/300/50, 1,000 medical payments, uninsured motorist at the same limits, and a 500 collision deductible. The policy lists her 2018 pickup and her 2021 SUV.
767 words, about 4 min4The Machine Shop Fire: Coinsurance Penalty, Business Income Clock, and Code Upgrades
Northside Machine Works has a commercial package policy with these limits: building 900,000 on a replacement cost basis, business personal property 300,000, business income 500,000 with a 72-hour waiting period, CGL 1,000,000/ 2,000,000. The property form carries an 80% coinsurance clause and a 2,500 deductible, and includes an ordinance-or-law endorsement with a limit equal to 10% of the building limit.
753 words, about 4 min5Six 1099 "Subcontractors," One Trailer Accident, and a Commute
Greenworks Landscaping is a Delaware company with 14 full-time employees on its workers compensation policy. Owner Luis is a sole proprietor and has not elected coverage for himself.
814 words, about 4 min