NH Property & Casualty case studies
NH Property & Casualty · Put your knowledge to work in context.
The New Hampshire Property and Casualty Insurance Producer license is the credential that lets you sell and service homeowners, auto, commercial property, inland marine, liability, and workers' compensation coverage in the state. Candidates usually need it because an employer, an agency, or a carrier requires a licensed producer before you can solicit business, discuss coverage, or earn commission on a policy. The NH Property & Casualty case studies are 5 cases and about 3,704 words.
1The Producer Whose License Lapsed Mid-Year
Marcus holds a New Hampshire resident producer license for property and casualty lines. He never finished his continuing education, so the license expired on March 31.
784 words, about 4 min2The Warehouse That Became a Coinsurer
Ridgeline LLC owns a 12,000-square-foot warehouse it now values at 800,000 replacement cost. Its commercial property policy carries a 480,000 building limit, an 80% coinsurance clause, a 2,500 deductible, and replacement cost valuation.
668 words, about 3 min3Burst Pipe, Mold, and the Twelve-Day Absence
The Cardins leave their 1978 colonial in Concord for twelve days in January, setting the thermostat at 55°F before they go. A supply line to a second-floor toilet fails and water runs for days.
715 words, about 4 min4The Ductwork That Was Not Northline's Work
Northline Mechanical, an HVAC contractor, subcontracted the ductwork at a 40-unit apartment building to Dependable Ducts, and the subcontract required Dependable to add Northline as an additional insured. Dependable's crew installed the wrong gauge of flex duct and failed to seal joints.
782 words, about 4 min5Fire, a Failed Compressor, and a Code Upgrade
The Harborview Grill is a 90-seat restaurant in Portsmouth insured on a commercial property form: 600,000 building, 150,000 contents, business income with a 200,000 limit, a 72-hour waiting period, a 12-month period of restoration, a 5,000 property deductible, a 25,000 equipment breakdown endorsement with a 1,000 deductible, and a 50,000 spoilage limit. On March 3 a grease fire closes the kitchen for seven weeks.
755 words, about 4 min