ID Property & Casualty study plan

Distinguish the four elements of a negligent act and explain how comparative versus contributory negligence affects a claimant's recovery

Map the coverage parts of a commercial general liability policy (Coverage A, B, C) to the exposures each responds to

Differentiate occurrence-basis from claims-made liability forms and apply the retroactive date and extended reporting period rules

Identify the standard liability exclusions (intentional acts, contractual, pollution, auto, workers' compensation) and explain the purpose of each

Explain how personal auto liability, medical payments, uninsured/underinsured motorist, and physical damage coverages interact on a single loss

Interpret split-limit, combined single-limit, and per-person/per-occurrence limit structures when applying a loss to a policy

Summarize workers' compensation benefits, the exclusive remedy doctrine, and employer's liability coverage

Describe umbrella and excess liability how they sit over underlying policies and when a self-insured retention applies

Apply professional liability and employment practices concepts to a business exposure scenario

Compare the HO-2, HO-3, HO-5, HO-4, HO-6, and HO-8 forms by perils insured and eligible insured

Differentiate Coverage A, B, C, and D limits and explain how each is determined at policy inception

Apply the special loss settlement provisions for Coverage A, B, and C to a total loss scenario

Identify the duties after a loss and explain how a failure to comply affects claim payment

Calculate coinsurance penalties and determine indemnity for partial losses under commercial property forms

Contrast actual cash value, replacement cost, functional replacement cost, and agreed value valuation methods

Explain blanket versus specific insurance, business income with extra expense, and the period of restoration

Apply the insurable interest, indemnity, and subrogation principles to property claim scenarios

Outline the state regulatory framework including the commissioner's authority, examination powers, and market conduct oversight

Explain unfair trade practices, producer compensation disclosure, and the purpose of state guaranty associations

Differentiate misrepresentation, concealment, warranty, and waiver as they apply to policy enforcement

Apply the concepts of adhesion, ambiguity, and reasonable expectations to a disputed claim

Summarize producer licensing requirements including prelicensing education, examination, appointment, and continuing education

Identify the acts that constitute commingling, rebating, and unlawful inducement and the penalties attached to each

Explain the doctrines of agency, apparent authority, and fiduciary duty as they bind an insurer to a producer's acts

Distinguish the classes of insurer (stock, mutual, reciprocal, surplus lines) and the financial requirements behind each

Label the declarations, insuring agreement, conditions, exclusions, and definitions in an unfamiliar specimen policy and state the function of each

Explain how endorsement order of precedence and the liberalization clause resolve conflicting policy language

Revisit the three weakest property sub-topics from the week 4 error log and close each one out

Interpret cancellation, nonrenewal, and mortgagee clause provisions as they affect the insured's rights

Synthesize heavy-domain content by working timed mixed-topic sets that alternate property and casualty items

Diagnose remaining weak areas from practice-exam analytics and re-drill only those objectives

Rehearse pacing to complete a 150-question exam within the allotted time

Review final-day material: key limits, time frames, exclusions, and valuation rules