SD Property & Casualty case studies
SD Property & Casualty · Put your knowledge to work in context.
The South Dakota Property & Casualty Insurance Producer License is a state credential that allows a producer to sell, solicit, and negotiate property and casualty insurance products in South Dakota. Candidates typically come from agency sales roles, claims-adjacent positions, or a career change, and must pass a licensing exam before applying. The exam is organized into four equally weighted domains, each worth 25% of the scored content: Insurance Principles and Concepts; Property Insurance Basics and Coverages; Casualty Insurance Basics and Coverages; and South Dakota Insurance Laws, Rules, and Regulations. The first three test general fundamentals - policy structure, coverage forms, liability concepts, and claim handling - while the fourth tests South Dakota-specific requirements, including rate and form filing, cancellation and non-renewal notice rules, return premium calculations, betterment, and specialty liability provisions. The SD Property & Casualty case studies are 5 cases and about 2,223 words.
1The Duplex That Burned Before Closing
Marcus owns a duplex and signed a contract to sell it to Priya for 320,000. Closing is set for June 15.
589 words, about 3 min2Coinsurance and the Underinsured Hardware Store
Ridgeway Hardware owns a 40-year-old building with a replacement cost of 1,200,000 and an actual cash value of 900,000. Its commercial property policy has an 800,000 building limit, an 80% coinsurance clause, replacement cost coverage, and a 10,000 deductible.
354 words, about 2 min3The Landscaper's Employee and the Personal Car
Dale owns a landscaping business. His commercial auto policy covers two dump trucks and includes hired and non-owned auto liability with a 1,000,000 limit.
402 words, about 2 min4The Lapsed License and the Premium Trust Account
Jordan obtained a South Dakota property and casualty producer license in January 2024 and was appointed by an insurer. By March 2026, Jordan had completed only 18 hours of continuing education, none in ethics, and did not renew the license.
448 words, about 2 min5The Certificate That Promised Additional-Insured Status
Mesa Mechanical has a CGL policy with a blanket additional-insured endorsement that applies only when Mesa has agreed in a written contract to add another party. Mesa's insurance agent issues a certificate of insurance to Northgate Builders stating that Northgate is an additional insured on Mesa's policy.
430 words, about 2 min