Casualty Insurance Agent Licensing and Overview

Casualty Insurance Agents Career Information

A casualty insurance agent helps people understand the potential for loss they face in the event of liability issues that may arise through ownership of property or through activities in which the insured is involved. Because liability issues often arise from the ownership of real estate, Casualty insurance producers are usually also licensed to sell property insurance, and some states include the two as one license.

Homeowner's insurance, for example, is a kind of "property/casualty insurance bundle" where the property of the insured is protected against loss (an example of property insurance), while the homeowner might also be protected against a lawsuit were a guest to injure himself due to a faulty step (an example of casualty insurance).

A Casualty Insurance producer license is needed for an agent to work with people in relation to auto insurance, boats, airplanes, and in connection with homes or other real estate owned by a private individual. Casualty agents also work in the area of Commercial insurance coverages, protecting business owners from liability issues that could arise in the course of the insured's day-to-day business issues. There are also times when a business needs to purchase a bond so the business' customers are covered against loss if the business does not complete work it is hired to do, or if the business does shoddy workmanship.

Casualty and Liability

Liability can arise in the situation of a non-insured being injured on an insured premises, or from personal physical injury caused by the products a company makes, or from personal injury in the form of slander or other damage an insured may cause to another person or company's reputation.

The most common casualty insurance coverage most people think of is Auto or motor vehicle coverage. This important coverage protects the insured from liability that would arise if the insured is involved in an auto accident in which the insured is at fault. Auto insurance coverage pays for medical and other costs incurred by the driver and passengers of other cars involved in the accident, or for pedestrians. Auto insurance also covers cars, buildings, fences, or other real (estate) property that might have been damaged by the insured motor vehicle.

Casualty Specific Education

A Casualty insurance agent must learn what possible losses an individual might face. It is not possible to insure against any possible contingency that might arise, but the agent should know enough about the type of business and what it does, special considerations that arise out of the normal (and sometimes not so normal) course of business, and advise customers of what policies and riders might be available - and of what exclusions and limitations might exist with any given policy.

Becoming Licensed

Individuals considering becoming licensed to provide insurance should look into one of our many insurance licensing courses.

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