LA Property & Casualty case studies
LA Property & Casualty · Put your knowledge to work in context.
The Louisiana Property and Casualty Producer license is the credential that lets you sell, solicit, and negotiate homeowners, dwelling, commercial property, personal and commercial auto, general liability, and workers' compensation coverage in Louisiana. Most candidates are career changers, agency support staff moving into a sales role, or employees of banks, dealerships, and rental agencies who need a limited or full lines license. The LA Property & Casualty case studies are 5 cases and about 3,868 words.
1The Signed-but-Blank UM Form
Denise Boudreaux, a single named insured in Lafayette, carries a personal auto policy with liability limits of 100,000/ 300,000/ 50,000. In March 2023 her agent handed her the company's uninsured/underinsured motorist selection form.
718 words, about 4 min2Wind, Surge, and the Named-Storm Deductible
The Thibodeaux home in Terrebonne Parish is insured on an HO-3 with Coverage A of 450,000, a 1,000 all-perils deductible, and a 2% named-storm deductible. The insured's NFIP policy had lapsed four months earlier for nonpayment and was never reinstated.
754 words, about 4 min3The Coinsurance Penalty Nobody Ran
Gulf Coast Fabricators insures its only building under a commercial property form with replacement cost on the building, a 90% coinsurance clause, a 1,500,000 building limit, and a 10,000 deductible. An appraisal completed eight months before the fire put replacement cost at 2,400,000; the insured never updated the limit after a 2021 addition.
735 words, about 4 min4The Subcontractor's Leaky Membrane
Delta Commercial Builders was general contractor on a 60,000-square-foot retail build-out in Baton Rouge. Its subcontractor, Pelican Waterproofing, applied a fluid-applied membrane to the roof deck and exterior planters.
825 words, about 4 min5Borrowed Servant With a Lapsed Policy
A Lafayette staffing agency assigned Marcus T. to a shipyard under a one-year written agreement stating that each assigned worker is the shipyard's 'borrowed employee for all purposes' and that the shipyard 'accepts responsibility for workers' compensation.' The shipyard directed Marcus's daily work, set his shift, provided his tools, and could remove him from the site.
836 words, about 4 min