GA Property & Casualty case studies
GA Property & Casualty · Put your knowledge to work in context.
The Georgia Property and Casualty Insurance Agent license is the credential a candidate needs before soliciting, negotiating, or selling property and casualty insurance products in Georgia. It is typically pursued by people entering agency sales, customer service, claims support, or captive and independent agency roles, and by professionals adding a P&C line to an existing life or health license. The GA Property & Casualty case studies are 5 cases and about 4,719 words.
1The Frozen Supply Line: Water, Mold, and a Three-Week Delay
The Whitfields own a 22-year-old two-story house insured on an HO-3 with Coverage A of 340,000 and a 2,500 deductible. In January they leave for a 12-day trip and set the thermostat to 55°F; the furnace fails on day three.
864 words, about 4 min2The College Student, the Unlisted Civic, and the Pizza Deliveries
The Ortizes insure two vehicles on a Georgia personal auto policy: a 2021 Sienna and a 2018 Tacoma, with liability limits of 100/300/50, UM/UIM at the same limits, a 1,000 collision deductible, and no medical payments coverage. Their 20-year-old son Diego is a full-time student living in a dorm 180 miles away, financially dependent on his parents, and he comes home most weekends.
888 words, about 4 min3The Uninsured Subcontractor Crew and the Audit That Follows
Cobb Ridge Roofing is a residential roofing contractor with 14 full-time employees and a workers compensation policy written on class code 5551 (roofing) with an estimated annual premium of 61,000. In March the owner, Marcus, subcontracted a steep-slope tear-off to Vega Brothers, a two-man crew.
921 words, about 5 min4Blanket Limits, Coinsurance, and a Vacant Building
Cypress Mill Partners owns two buildings under one commercial property policy: Building 1 (warehouse, replacement cost 1,450,000) and Building 2 (two-story office/flex, replacement cost 850,000). Coverage is written blanket with a 2,000,000 limit, 90% coinsurance, a 10,000 deductible, and business income/extra expense on a combined 500,000 limit with a 72-hour waiting period.
998 words, about 5 min5The Producer Who Rolled Premiums and Never Bound the Policy
Priya is a Georgia-licensed property and casualty producer appointed by three carriers at Hartwell Insurance Group. In February she resigns and joins a competing agency, keeps her license, and begins selling a fourth carrier's commercial package product in March without any appointment for that carrier.
1,048 words, about 5 min