ND Property & Casualty case studies
ND Property & Casualty · Put your knowledge to work in context.
The North Dakota Property & Casualty Producer license is the credential that lets you sell, negotiate, and service property and casualty insurance products in North Dakota - homeowners, dwelling, personal auto, commercial property, commercial general liability, and workers' compensation among them. It suits career changers entering insurance, agency support staff seeking a producer role, and licensed producers moving in from other states. The ND Property & Casualty case studies are 5 cases and about 3,996 words.
1The Burst Line, the Bucket, and the Basement Tenant
Priya owns a two-story house insured on an unendorsed HO-3: Coverage A 400,000, Coverage B 40,000, Coverage C 200,000, Coverage D 120,000, and one 2,500 deductible. In March the laundry supply line burst while the family was away; water ran for four days.
810 words, about 4 min2Three Policies, One Motorcyclist
Devin, 22, lives with his parents and is a listed driver on their personal auto policy: liability 100/300/50, medical payments 5,000, UM/UIM 100/300. Devin also owns a pickup insured in his own name at 25/50/25.
785 words, about 4 min3Ridgeline's Defective Flashing and the Subcontractor Exception
Ridgeline Construction was general contractor on a 12-unit apartment building. It subcontracted the windows and flashing to Clearview, which carries its own CGL.
771 words, about 4 min4The Fargo Shop, the Uninsured Sub, and the Audit
Halvorsen Fabrication runs a welding shop in Fargo with three welders and a part-time bookkeeper. Halvorsen has always bought its workers' compensation from a private carrier and shops the coverage each year against the state fund.
758 words, about 4 min5Cedar Ridge: Coinsurance, Code Upgrades, and the Swing Lease
Cedar Ridge LLC owns a 24,000-square-foot warehouse/office insured on a commercial property special form written on a replacement-cost basis: 1,600,000 building limit, 80% coinsurance, 10,000 deductible, business income with a 12-month period of indemnity, and the ordinance-or-law endorsement with a 10% sublimit. The building's actual replacement cost is 2,400,000.
872 words, about 4 min