WI Property & Casualty case studies

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

The Wisconsin Property and Casualty Insurance Producer license is the credential that authorizes an individual to sell, solicit, and negotiate property and casualty insurance products in the state - homeowners and dwelling policies, commercial property and inland marine, personal and commercial auto, general liability, workers' compensation, and related specialty coverages. Candidates typically pursue it to work as agency producers, customer service representatives moving into a sales role, captive or independent agents, or staff at carriers and brokerages who need a resident license. The WI Property & Casualty case studies are 5 cases and about 5,827 words.

Moving Agencies: Rebates, Premium Handling, and a Stalled Claim

Dana is a Wisconsin-licensed property and casualty producer. She resigned from Agency A on March 1 and joined Agency B on March 3.

1,041 words, about 5 min 2

Sump Backup, Mold, and a Basement Candle Business

The Novaks insure a 1970s ranch on an HO-3: Coverage A 400,000, Coverage C 200,000, 2,500 all-peril deductible. Endorsements: water backup and sump discharge or overflow, 10,000 limit, including the cost to tear out and replace part of the building needed to reach the source.

1,178 words, about 6 min 3

Restaurant Fire: Period of Restoration, Extra Expense, and Code Upgrades

Lakeside Bistro carries a commercial property policy: building 1,000,000 replacement cost (insured for 900,000, no agreed value, 80% coinsurance), business personal property 250,000, business income 150,000 actual loss sustained, extra expense 50,000, and a 72-hour waiting period. There is no ordinance or law endorsement, and spoilage and off-premises power failure are excluded.

1,119 words, about 6 min 4

General Contractor, Defective Decking, and a Welding Subcontractor

Kestrel Construction is general contractor on a 12-unit apartment building and carries an occurrence-form CGL: 1,000,000 each occurrence, 2,000,000 general aggregate, 2,000,000 products-completed operations aggregate, with the standard 'your work,' 'your product,' and 'impaired property' exclusions, including the subcontractor exception. Three events: (1) Kestrel's own crew mis-nails the roof decking; eight months after completion the decking separates and collapses, injuring no one but destroying 300,000 of the owner's stored fixtures and costing 80,000 to redo the decking.

1,205 words, about 6 min 5

Delivery App Driver, a Borrowing Son, and Two Third-Party Claims

Tasha owns a 2019 CR-V insured on a personal auto policy: liability 100/300/50, collision with a 500 deductible, no medical payments, no rideshare or delivery endorsement. She works 20 hours a week delivering restaurant orders through a delivery app and never told her agent.

1,284 words, about 6 min