NE Property & Casualty case studies
NE Property & Casualty · Put your knowledge to work in context.
The Nebraska Property and Casualty Producer License is a state-issued credential that allows a person to solicit, negotiate, and sell property and casualty insurance in Nebraska. Licensing is administered by the Nebraska Department of Insurance, whose website at doi.nebraska.gov is the authoritative source for producer licensing and registration, guidance documents, and any actions taken against agents or agencies. The NE Property & Casualty case studies are 5 cases and about 3,224 words.
1The Producer Who Delegated Too Much
Dana holds a Nebraska producer license for property and casualty and works for a small agency. Her unlicensed office assistant, Miguel, meets with a walk-in client, explains the difference between actual cash value and replacement cost, quotes a homeowners policy, and tells the client coverage is bound effective at noon.
731 words, about 4 min2The Warehouse Coinsurance Dispute
A Nebraska commercial building owner insures a warehouse for 600,000 under a replacement-cost policy with an 80% coinsurance clause and a 5,000 deductible. The building's replacement cost at the time of loss is 1,200,000.
536 words, about 3 min3The Burst Pipe, the Mold, and the Old Rot
A Nebraska homeowner has an HO-3 with 300,000 dwelling, 150,000 personal property, 60,000 loss of use, a 1,000 all-perils deductible, and a 10,000 sublimit for mold remediation. While the family is away for a weekend, a supply line to an upstairs toilet fails.
662 words, about 3 min4Claims-Made, Retroactive Date, and the Late Report
Ridgeline Contracting buys a claims-made CGL policy effective January 1, 2022, with a retroactive date of January 1, 2022, a 1,000,000 each-occurrence limit, a 2,000,000 general aggregate, and a 60-day extended reporting period. Ridgeline completes a retaining-wall job in June 2022.
611 words, about 3 min5Pizza Delivery on a Personal Auto Policy
The Nguyen family has a personal auto policy on two vehicles: a 2019 sedan and a 2021 pickup. Their son, Kevin, 22, lives at home and is listed as a driver.
684 words, about 3 min