OH P&C case studies
OH P&C · Put your knowledge to work in context.
The Ohio Property & Casualty agent license is the credential that allows an individual to sell, solicit, and negotiate property and casualty insurance products in Ohio under an insurer appointment. It is designed for people entering or advancing in the insurance sales and service field - career changers, agency staff, customer service representatives moving into licensed roles, and producers adding a line of authority. The OH P&C case studies are 5 cases and about 3,083 words.
1Danielle: CE Shortfall, a Premature Appointment, and a Client Gift
Danielle holds an Ohio resident producer license for property and casualty, with a biennial expiration date of February 28. Her continuing education transcript shows 18 hours completed, including 2 hours of ethics.
698 words, about 3 min2Marcus: The 80% Replacement Cost Threshold and a Two-Step Settlement
Marcus owns a 1970s colonial insured on an HO-3 with Coverage A of 400,000. A contractor's estimate puts the full replacement cost of the dwelling at 500,000.
506 words, about 3 min3Ridgeline Hardware: Coinsurance Penalty, Civil Authority, and Code Upgrades
Ridgeline Hardware insures its building under a commercial property form with an 80% coinsurance clause, in the amount of 2,000,000. An appraisal establishes the replacement cost of the building at 4,000,000.
613 words, about 3 min4Tyler: Ohio Comparative Fault, Uninsured Motorists, and a Passenger's Injuries
Tyler, 24, lives with his parents and is listed as a driver on their personal auto policy: liability 100/300/50, UM/UIM 100/300, medical payments 5,000, and collision with a 500 deductible. Driving the family car, he is struck by an uninsured driver who ran a red light.
585 words, about 3 min5Priya's Bakery: Ohio's State Workers' Compensation Fund Meets a CGL
Priya owns a 12-employee bakery in Columbus, Ohio. She carries a commercial general liability occurrence form with 1M/ 2M limits, a $10,000 deductible, and employer's liability limits of 100/500/100.
681 words, about 3 min