SC Property & Casualty case studies
SC Property & Casualty · Put your knowledge to work in context.
The South Carolina Property and Casualty Insurance Producer license is the credential that allows a person to sell, solicit, and negotiate property and casualty insurance products in the state - homeowners, dwelling, commercial property, personal and commercial auto, general liability, workers' compensation, and related lines. It is typically pursued by people entering agency sales, customer service, claims-adjacent roles, agency ownership, or captive and independent producer positions, and it is a common first step for career changers moving into insurance from banking, real estate, or retail. The SC Property & Casualty case studies are 5 cases and about 3,188 words.
1The Oak Through the Roof: What Actually Gets Paid
Marcus owns a 1965 ranch insured on an HO-3: Coverage A 400,000, Coverage B at 10%, Coverage C at 50%, and a 1,000 deductible. A severe thunderstorm sent a 70-foot oak through the roof.
622 words, about 3 min2Permissive Use, Two Policies, Three Claimants
Dana's South Carolina personal auto policy carries limits of 100/300/50, 5,000 medical payments, and UM/UIM at the same limits. Her 17-year-old son Eli is a rated driver.
619 words, about 3 min3Completed Operations: Three Line Items and an Additional Insured Tender
Summit Mechanical holds an occurrence-form CGL (CG 00 01) with each occurrence 1,000,000, general aggregate 2,000,000, products-completed operations aggregate 2,000,000, and a 5,000 per-occurrence deductible. In June 2023 Summit installed a boiler and riser piping in a 12-unit apartment building and completed the job; the owner paid in full.
638 words, about 3 min4The Lapsed Subcontractor: Statutory Employment in Construction
Carolina Roofing & Exteriors subcontracted the framing on a 40-unit townhome project in Greenville to Vega Framing, a five-man crew. The subcontract required Vega to carry workers' compensation coverage and to indemnify Carolina.
589 words, about 3 min5Coastal Nonrenewal, a Mortgagee, and an Uncomfortable Request
Priya owns a 1978 oceanfront cottage on Pawleys Island. Her surplus lines carrier has sent notice that it will not renew the wind and hail coverage when the policy expires in 60 days.
720 words, about 4 min