PA Property & Casualty case studies

PA Property & Casualty · Put your knowledge to work in context.

The Pennsylvania Property & Casualty Insurance Producer License is the credential the Pennsylvania Insurance Department (PID) issues to individuals who sell, solicit, or negotiate property and casualty insurance in the Commonwealth. Candidates usually come from agency sales or service roles, captive-carrier training programs, claims, or are adding a line of authority to an existing license. The PA Property & Casualty case studies are 5 cases and about 2,909 words.

The Producer Who Moved Agencies Before the Appointment Was Filed

Marisol has held a Pennsylvania resident producer license for property and casualty since 2019. On March 3 she resigns from Keystone Agency and joins Broad Street Insurance.

595 words, about 3 min 2

The Underinsured Colonial: Replacement Cost, Coinsurance, and a Basement Backup

Devon owns a 1998 colonial insured under an HO-3 with Coverage A of 280,000, a figure chosen to match his mortgage balance. An appraiser puts replacement cost at 400,000.

565 words, about 3 min 3

The Subcontractor's Claims-Made Policy and the Chiller That Failed After Completion

Ironwood Mechanical is an HVAC subcontractor on a hospital project for Harlow Construction, the general contractor. Ironwood's CGL is written claims-made with a 1/1/2022–1/1/2023 policy period, a retroactive date of 1/1/2018, 1M each occurrence / 2M aggregate, and no extended reporting period purchased.

609 words, about 3 min 4

Coinsurance and Other Insurance on the Same Bakery Building

Riverside Bakery insures its building under a commercial property policy with a 600,000 limit, an 80% coinsurance clause, and a 5,000 deductible. The building's replacement cost at the time of loss is 1,200,000.

561 words, about 3 min 5

Limited Tort, a DUI Conviction, and Stacked Underinsured Motorist Coverage

Dre is a Philadelphia delivery driver. His auto policy covers three vehicles, each with 100,000/ 300,000 liability, 100,000 uninsured motorist, and 100,000 underinsured motorist coverage, with stacking elected.

579 words, about 3 min