ID Property & Casualty case studies

ID Property & Casualty · Put your knowledge to work in context.

The Idaho Property & Casualty Insurance Producer License is a state-issued credential that allows an individual to sell, solicit, and negotiate property and casualty insurance products in Idaho. It is intended for people entering or advancing in the insurance industry - new agents, agency staff, customer service representatives moving into sales, and professionals adding a lines-of-authority credential to their resume. The ID Property & Casualty case studies are 5 cases and about 3,400 words.

The Lapsed Producer: Six Policies Sold on an Expired License

Dana has held a resident producer license since 2019 and has been appointed by Cascade Mutual. Her license term ended March 31.

688 words, about 3 min 2

Owner-Occupied? The Duplex Sold on a Land Contract

Marcus bought a duplex in 2021 and sold it in January on a recorded installment land contract; the deed will not transfer until 2029. He kept the property policy in his own name because the buyer asked him to, and renewed it in March, answering "yes" to "owner-occupied" and "no" to "any business or rental use." The buyer rents both units and has since February.

674 words, about 3 min 3

Burst Pipe, Mold, and a Surcharging City Main

Priya's homeowners policy (HO-3 form) shows 480,000 Coverage A, Coverage B at 10%, Coverage C at 50%, a 2,000 all-perils deductible, and replacement cost on both dwelling and contents. Endorsements add water backup and sump overflow with a 10,000 limit, a 10,000 mold remediation sublimit, and 10% ordinance or law.

634 words, about 3 min 4

The Restaurant, the Romaine, and the Broken Jaw

Ridgeline Grill carries a commercial general liability policy on an occurrence basis: 1,000,000 each occurrence, 2,000,000 general aggregate, 2,000,000 products-completed operations aggregate, 50,000 fire legal, 5,000 medical expense. Two endorsements apply: an absolute liquor liability exclusion (the restaurant buys separate liquor coverage from another carrier) and an assault-and-battery exclusion.

706 words, about 4 min 5

The Friday Binder and the Roof Exclusion

Nora owns a bakery and is buying the building next door for a second location. At 4:50 on a Friday she calls her producer and says she needs 500,000 of property coverage starting immediately because the closing is Monday.

698 words, about 3 min