KS Property & Casualty case studies
KS Property & Casualty · Put your knowledge to work in context.
The Kansas Property and Casualty Insurance Producer License Exam is the state licensing assessment that a candidate must pass before applying to the Kansas Insurance Department for a license to sell, solicit, or negotiate property and casualty insurance in Kansas. It is written for people entering the insurance business - career changers, agency customer service representatives moving into sales, bank and auto-dealer staff who need a limited line, and newcomers hired into producer training programs - as well as for licensed producers adding a line of authority. The KS Property & Casualty case studies are 5 cases and about 4,178 words.
1Appointment, Unlicensed Staff, and Inducements at a Kansas Agency
Dana has held a Kansas resident producer license (property and casualty) for six years. In March she left Agency A for Agency B.
783 words, about 4 min2Slow Leak, Mold, and Business Property on an HO-3
An HO-3 with no endorsements shows Coverage A 400,000, Coverage C 200,000, and a $2,500 all-peril deductible. In February the insured noticed water staining on the first-floor ceiling.
793 words, about 4 min3CGL Limits, Aggregates, and the "Your Work" Exclusion in One Policy Year
Ridgeline Contracting carries an occurrence-form CGL with these limits: each occurrence 1,000,000; general aggregate 2,000,000; products-completed operations aggregate 2,000,000; personal and advertising injury 1,000,000; damage to premises rented to you 100,000; medical expense 5,000. The contractor also owns a pickup and rents box trucks as needed, but carries no commercial auto policy and no umbrella.
857 words, about 4 min4Kansas Personal Auto: Permissive Use, PIP, and an Underlying-Limits Gap
The Whitfields insure a 2021 sedan and a 2016 pickup on a Kansas personal auto policy. Liability limits are 25/50/25 - the Kansas minimums.
892 words, about 4 min5BOP Business Income Coinsurance, Spoilage, and a Delivery Van
A retail bakery is insured on a businessowners policy: building 700,000 replacement cost; business personal property 300,000; business income and extra expense limit 200,000 with an 80% coinsurance clause, a 72-hour waiting period, and a 12-consecutive-month period of indemnity; liability 1,000,000 each occurrence / 2,000,000 aggregate. The bakery's accountant calculates that net income plus continuing operating expenses for the next 12 months would have been 400,000.
853 words, about 4 min