Casualty examination — Information & Free Practice
US-KY · Examination information
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Casualty examination
- Provider
- Kentucky Department of Insurance
- Format
- Computerized written examination
- Passing score
- 70% correct answers
Examination outline
Unit 1 — Principles of Insurance (8%)
- Risk
- Managing Risk
- Law of Large Numbers
- Elements of Insurability
- Elements of Insurability / Pure Risk, Speculative Risk
- Elements of Insurability / Insurable Interest
- Elements of Insurability / Other Elements of Insurability
- Other Insurance Terms
- Other Insurance Terms / Peril
- Other Insurance Terms / Hazard
Unit 2 — The Insurance Contract (8%)
- Elements of a Valid Contract
- Elements of a Valid Contract / Offer and Acceptance
- Elements of a Valid Contract / Consideration
- Characteristics of an Insurance Contract
- Characteristics of an Insurance Contract / Principle of Indemnity
- Characteristics of an Insurance Contract / Personal
- Characteristics of an Insurance Contract / Unilateral
- Parts of the Insurance Contract
- Parts of the Insurance Contract / Policy Organization
Unit 3 — Insurance Company Organization and Regulation (2%)
- Types of Insurance Organizations
- Types of Insurance Organizations / Stock and Mutual Companies
- Insurance Company Organization
- Insurance Company Organization / The Agent
- Insurance Company Organization / Insurance Marketing Systems
- Insurance Company Organization / Other Insurance Functions
- Regulation
- Regulation / Regulation and the Company
- Regulation / Regulation and the Agent
Unit 4 — The Insurance Transaction (8%)
- Application
- Binders
- Underwriting the Policy
- Underwriting the Policy / Fair Credit Reporting Act
- Rating the Policy
- Rating the Policy / Judgment and Manual Rating
- Certificate of Insurance
- Misrepresentation, Concealment, and Fraud
- Representations and Warranties
- Waiver and Estoppel
- Cancellation and Nonrenewal
Unit 6 — Introduction to Liability Insurance (8%)
- Negligence
- Negligence / Definition
- Negligence / Establishing Negligence
- Defenses Against Negligence
- Defenses Against Negligence / Contributory and Comparative Negligence
- Absolute Liability
- Vicarious Liability
- Liability Insurance
- Liability Insurance / Third Party Losses
- Liability Insurance / Insuring Agreement
- Liability Insurance / Exclusions
- Liability Insurance / Conditions
Unit 8 — Homeowners Insurance (4%)
- Section II - Liability
- Section II - Liability / Coverage E - Personal Liability
- Section II - Liability / Coverage F - Medical Payments to Others
- Section II - Liability / Exclusions
- Section II - Liability / Additional Coverages
Unit 9 — Personal Auto Insurance (10%)
- Definitions
- Part A - Liability Coverage
- Part A - Liability Coverage / Coverage
- Part A - Liability Coverage / Who is an Insured
- Part A - Liability Coverage / Supplementary Payments
- Part A - Liability Coverage / Exclusions
- Part B - Medical Payments Coverage
- Part B - Medical Payments Coverage / Exclusions
- Part C - Uninsured Motorists Coverage
- Part C - Uninsured Motorists Coverage / Definition of Uninsured Motor Vehicle
- Part C - Uninsured Motorists Coverage / Exclusions
- Part C - Uninsured Motorists Coverage / Other Insurance
- Part D - Coverage for Damage to Your Auto
- Part D - Coverage for Damage to Your Auto / Coverage
- Part D - Coverage for Damage to Your Auto / Transportation Expenses
- Part D - Coverage for Damage to Your Auto / Exclusions
- Parts E and F - Conditions
- Underinsured Motorists Coverage
- Personal Auto Policy Endorsements
Unit 10 — Miscellaneous Personal Insurance (4%)
- Personal Watercraft Insurance
- Personal Watercraft Insurance / Boatowners and Outboard Motor and Boat Policies
- Personal Watercraft Insurance / Personal Yacht Policies
- Personal Umbrella Insurance
- Personal Umbrella Insurance / Coverage for Excluded Losses
Unit 11 — The Commercial Package Policy (4%)
- Eligible Coverages
- Common Policy Declarations
- Common Policy Conditions
- Common Policy Conditions / Cancellation
- Common Policy Conditions / Changes, Premiums
- Common Policy Conditions / Examination of Books and Records, Inspections, and Surveys
- Common Policy Conditions / Transfer of Rights and Duties
Unit 12 — The Businessowners Policy (4%)
- Eligibility, Policy Organization
- Eligibility, Policy Organization / Ineligible Risks
- Liability and Medical Expenses Coverage
- Liability and Medical Expenses Coverage / Exclusions
- Conditions
- Endorsements
- Endorsements / Hired Auto and Nonowned Auto Liability
Unit 15 — Commercial General Liability Insurance (8%)
- Business Liability Exposures
- Business Liability Exposures / Premises and Operations Exposure
- Business Liability Exposures / Products - Completed Operations Exposure
- Business Liability Exposures / Exposures Covered by Commercial General Liability Insurance
- Commercial General Liability Coverage Part
- Occurrence and Claims-Made Forms
- Occurrence and Claims-Made Forms / Claims-Made Form
- Coverage A - Bodily Injury and Property Damage Liability
- Coverage A - Bodily Injury and Property Damage Liability / Coverage
- Coverage A - Bodily Injury and Property Damage Liability / Exclusions
- Coverage B - Personal and Advertising Injury Liability
- Coverage C - Medical Payments
- Coverage C - Medical Payments / Coverage
- Limits of Insurance
- Conditions
- Conditions / Duties in the Event of Occurrence, Offense, Claim, or Suit
- Conditions / Other Insurance
Unit 16 — Commercial Auto Insurance (4%)
- Commercial Auto Coverage Part
- Business Auto Coverage Form
- Business Auto Coverage Form / Definitions
- Business Auto Coverage Form / Covered Autos
- Business Auto Coverage Form / Liability Coverage
- Business Auto Coverage Form / Physical Damage Coverage
- Garage Coverage Form
- Garage Coverage Form / Liability Coverage
- Garage Coverage Form / Garagekeeper Coverage
- Garage Coverage Form / Physical Damage Coverage
- Truckers Coverage Form
- Truckers Coverage Form / Covered Autos
- Truckers Coverage Form / Trailer Interchange Coverage
- Motor Carrier Coverage Form
- Motor Carrier Coverage Form / Motor Carrier Act of 1980
Unit 17 — Commercial Crime Insurance (2%)
- Fidelity Bonds
- Fidelity Bonds / Parties to a Bond
- Fidelity Bonds / Types of Fidelity Bonds
Unit 18 — Workers' Compensation (10%)
- Workers’ Compensation Laws
- Workers’ Compensation Laws / Occupations Covered
- Workers’ Compensation Laws / Benefits Provided
- Workers’ Compensation Laws / Compensable Injuries
- Workers’ Compensation Laws / Types of Disability
- Workers’ Compensation Laws / Compulsory vs. Elective
- Workers' Compensation and Employers Liability Policy
- Workers' Compensation and Employers Liability Policy / Coverages
- Workers' Compensation and Employers Liability Policy / Exclusions
Unit 19 — Miscellaneous Commercial Insurance (6%)
- Farm Insurance
- Aviation Insurance
- Aviation Insurance / Liability Coverage
- Professional Liability Insurance
- Employment Practices Liability Insurance
- Commercial Umbrella Insurance
- Surety Bonds
- Surety Bonds / Contract Bonds
- Surety Bonds / Judicial Bonds
- Federal Terrorism Risk Insurance Act of 2002 (Extension Act of 2007)
- Federal Terrorism Risk Insurance Act of 2002 (Extension Act of 2007) / Background
Insurance Code — Kentucky Law (10%)
- Scope, General Definitions, and Provisions KRS 304.1
- Agent Licensing
- Agent Licensing / Definitions KRS 304.9-020 to 051
- Agent Licensing / Licensing Requirements KRS 304.9-080 to 120
- Agent Licensing / Change of Address KRS 304.9-200
- Agent Licensing / License Renewal KRS 304.9-260
- Agent Licensing / Continuing Education KRS 304.9-295
- Agent Licensing / Record Retention KRS 304.9-390
- Agent Licensing / Suspension or Revocation of License KRS 304.9-440
- Agent Licensing / Reporting of Criminal or Administrative Actions KRS 304.9-467
- Agent Licensing / Prohibited Practices in Replacement or Repair of Automobile Glass; Penalties KRS 304.9-470
- Surplus Lines KRS 304.10
- Unfair Practices, Advertising, Illegal Inducements KRS 304.12-010 to 110
- Unfair Claims Settlement Practices KRS 304.12-230
- Auto Insurance Plan KRS 304.13-151
- Insurance Contract KRS 304.14
- Personal Auto Policies Declanation, Nonrenewal, and Cancellation KRS 304.20-040
- Declination, Nonrenewal, and Cancellation KRS 304.20-300 to 350
- Insurance Guaranty Fund KRS 304.36-030
- Motor Vehicle Insurance No-Fault KRS 304.39
- Insurance Fraud KRS 304.47-020
- Conversion of Premium KRS 304.99-010
- Workers' Compensation KRS 342
Examination sources
- KRS 304-9-180
KRS 304.9-180(1)-(2), particular-license complete examination scope
- forms
Pre-Licensing and Examination Information: Casualty outline listing
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Published outline Unit 1 — Principles of Insurance
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Published outline Unit 2 — The Insurance Contract
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Published outline Unit 3 — Insurance Company Organization and Regulation
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Published outline Unit 4 — The Insurance Transaction
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Published outline Unit 6 — Introduction to Liability Insurance
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Published outline Unit 8 — Homeowners Insurance
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Published outline Unit 9 — Personal Auto Insurance
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Published outline Unit 10 — Miscellaneous Personal Insurance
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Published outline Unit 11 — The Commercial Package Policy
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Published outline Unit 12 — The Businessowners Policy
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Published outline Unit 15 — Commercial General Liability Insurance
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Published outline Unit 16 — Commercial Auto Insurance
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Published outline Unit 17 — Commercial Crime Insurance
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Published outline Unit 18 — Workers' Compensation
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Published outline Unit 19 — Miscellaneous Commercial Insurance
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Published outline Insurance Code — Kentucky Law
- 806 KAR 9:025 Licensing process
806 KAR 9:025 Section 2(5), scoring
- KRS 304-9-160
KRS 304.9-160(1), written examination
- exam-schedule-2026
About Exam Results, computerized grading
- 806 KAR 9:025 Licensing process
806 KAR 9:025 Section 2(2)-(3)(d), application and examination boundary
- exam-schedule-2026
Examination appointment requirement
Related license preparation
This examination may be required or accepted as an alternative, depending on the license and application pathway.