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Sample Practice Questions

Try these 10 sample questions from the Casualty Producer practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1A contractor finished installing a store entrance. The owner opened it for customers, although minor adjustments remained. A customer is injured by the installation after the crew has left. Under the ISO CGL form, which exposure classification fits the contractor's work?

    1. A. Products-completed operations, because the installed entrance was put to its intended use
    2. B. Premises and operations, because any later adjustment keeps installation work ongoing
    3. C. Products-completed operations only after every possible maintenance task is finished
    4. D. Premises and operations, because the accident occurred at the contractor's former job site

    Answer: A

    Explanation: "When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed." The owner put the work to its intended use; later adjustment does not prevent completed-work classification.

    Reference: ISO Commercial General Liability Coverage Form CG 00 01 12 04 — CG 00 01, Section V.16(a)(2)(c)

  2. 2An applicant deliberately conceals a history of dishonest insurance claims while applying for coverage. In insurance terminology, which hazard type is illustrated by this integrity-related conduct?

    1. A. A physical hazard involving the condition of insured property
    2. B. A morale hazard involving careless disregard without intent to deceive
    3. C. A legal hazard involving the policy's deductible wording
    4. D. A moral hazard involving the applicant's honesty and character

    Answer: D

    Explanation: "MORAL HAZARD - Hazard arising from any nonphysical, personal characteristic of a risk that increases the possibility of loss or may intensify the severity of loss, for instance, bad habits, low integrity or poor financial standing. " Moral hazard concerns integrity and character, including dishonest behavior, as distinct from physical conditions or careless morale.

    Reference: Connecticut Insurance Department Glossary — Connecticut Insurance Department Glossary, Moral Hazard

  3. 3A broker needs to confirm the insured's chosen liability limit, deductible, premium, and policy number for a particular commercial policy. Which policy section normally contains these individualized entries?

    1. A. The insuring agreement stating the general promise to cover losses
    2. B. The declarations page listing the policy's selected particulars
    3. C. The conditions stating general duties after a covered loss
    4. D. The exclusions narrowing general causes of covered loss

    Answer: B

    Explanation: "Usually the first page of an insurance policy that contains the full legal name of the insurance company, the policy number, effective and expiration dates, premium payable, the amount and types of coverage, and the deductibles." The declarations typically contains the particular insurer, number, dates, premiums, coverage amounts and deductibles.

    Reference: California Department of Insurance Commercial Insurance Guide — Commercial Insurance Guide, Declarations definition

  4. 4Which circumstance disqualifies a person from appointment as Connecticut Insurance Commissioner?

    1. A. Serving as a director, officer, or agent of an insurance company
    2. B. Having experience administering public programs
    3. C. Having knowledge of insurance regulation
    4. D. Being appointed by the Governor

    Answer: A

    Explanation: Connecticut law says the Commissioner 'shall not be a director, officer or agent of an insurance company.' Therefore option A is the disqualifying circumstance.

    Reference: Ct Chap 697 — Conn. Gen. Stat. § 38a-7(a): 'shall not be a director, officer or agent of an insurance company'

  5. 5On what date does a Connecticut insurance premium-finance company license expire unless renewed?

    1. A. March 31
    2. B. June 30
    3. C. September 30
    4. D. December 31

    Answer: B

    Explanation: Section 38a-162 provides that each premium-finance license 'shall expire on the thirtieth day of June next following the date of its issuance.'

    Reference: Ct Chap 698 — Conn. Gen. Stat. § 38a-162

  6. 6What liability protection must a Connecticut motor-vehicle policy generally provide for the insured vehicle?

    1. A. Liability coverage meeting Connecticut's financial-responsibility requirements
    2. B. Only collision coverage with a deductible
    3. C. Only comprehensive physical-damage coverage
    4. D. A commercial umbrella policy

    Answer: A

    Explanation: Section 38a-335 requires every covered motor-vehicle policy to provide insurance 'in accordance with the regulations adopted pursuant to section 38a-334' and the financial-responsibility law.

    Reference: Ct Chap 700 — Conn. Gen. Stat. § 38a-335(a)

  7. 7A store's ISO occurrence CGL policy ran from January through December. A visitor was injured on its premises in November, but first sued the store the following February. Assuming the claim is otherwise covered, which timing fact selects the policy?

    1. A. The bodily injury occurred during the policy period, even though suit came later
    2. B. The lawsuit was filed after expiration, so the later policy alone responds
    3. C. The store first learned the claim after expiration, so no occurrence policy responds
    4. D. The visitor's medical bills were paid later, so the payment year's policy responds

    Answer: A

    Explanation: "A liability insurance policy that covers claims arising out of occurrences that take place during the policy period, regardless of when the claim is filed." An occurrence form keys covered injury to the policy period, not the later claim date.

    Reference: California Department of Insurance Commercial Insurance Guide — Commercial Insurance Guide, Occurrence Policy definition

  8. 8A warehouse owner faces a possibility of fire damage but has no prospect of profit from a fire. How is this exposure classified for insurance purposes?

    1. A. Speculative risk, because the outcome includes a possible loss
    2. B. Speculative risk, because every uncertain event can bring gain
    3. C. Investment risk, because the warehouse has market value
    4. D. Pure risk, because the outcome is loss or no loss rather than gain

    Answer: D

    Explanation: "Pure Risk - circumstance including possibility of loss or no loss but no possibility of gain." Pure risk offers no chance of gain; the fire exposure fits that loss-or-no-loss pattern.

    Reference: NAIC Consumer Glossary — NAIC Consumer Glossary, Pure Risk

  9. 9A covered auto is damaged in a storm and rain continues to enter through a broken window. Under the ISO personal auto policy's postloss duties, what should the insured do before the insurer inspects it?

    1. A. Leave the opening exposed until the insurer authorizes every protective step
    2. B. Take reasonable steps to prevent further damage and preserve the auto for inspection
    3. C. Repair and dispose of all damaged parts without offering an inspection
    4. D. Submit a liability settlement to the other driver before protecting the car

    Answer: B

    Explanation: "Take reasonable steps after loss to protect "your covered auto" or any "non-owned auto" and their equipment from further loss. We will pay reasonable expenses incurred to do this." The policy requires reasonable protection after loss, pays reasonable expenses to do so, and requires inspection opportunity before repair or disposal. "Permit us to inspect and appraise the damaged property before its repair or disposal." The insured should protect the auto while preserving the insurer's opportunity to inspect.

    Reference: ISO Personal Auto Policy PP 00 01 06 98 — PP 00 01, Part E, Duties After an Accident or Loss

  10. 10Under Connecticut law, who is charged with administering and enforcing Title 38a?

    1. A. The Attorney General
    2. B. The Insurance Commissioner
    3. C. The Secretary of the State
    4. D. The State Treasurer

    Answer: B

    Explanation: Section 38a-8 states that the Insurance Commissioner 'shall administer and enforce the provisions of this title.'

    Reference: Ct Chap 697 — Conn. Gen. Stat. § 38a-38

Topics in this practice bank

These topics describe the available practice for Casualty Producer. Review the examination outline and its sources for scope and allocation details.

  • General knowledge: I. CASUALTY: TYPES OF POLICIES, BONDS, AND RELATED TERMS (23 scored questions)
    • A. Commercial general liability
    • A. Commercial general liability / 1. Exposures
    • A. Commercial general liability / 1. Exposures / a. Premises and Operations
    • A. Commercial general liability / 1. Exposures / b. Products and Completed Operations
    • A. Commercial general liability / 2. Coverage
    • A. Commercial general liability / 2. Coverage / a. Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • A. Commercial general liability / 2. Coverage / b. Coverage B: Personal Injury and Advertising Injury
    • A. Commercial general liability / 2. Coverage / c. Coverage C: Medical Payments
    • A. Commercial general liability / 2. Coverage / d. Supplemental Payments
    • A. Commercial general liability / 2. Coverage / e. Who is an insured
    • A. Commercial general liability / 2. Coverage / f. First named insured
    • A. Commercial general liability / 2. Coverage / g. Limits (Per occurrence, Annual Aggregate)
    • A. Commercial general liability / 2. Coverage / h. Damage to Property of Others
    • B. Automobile: personal auto and business auto
    • B. Automobile: personal auto and business auto / 1. Liability
    • B. Automobile: personal auto and business auto / 1. Liability / a. Bodily Injury
    • B. Automobile: personal auto and business auto / 1. Liability / b. Property Damage
    • B. Automobile: personal auto and business auto / 1. Liability / c. Split Limits
    • B. Automobile: personal auto and business auto / 1. Liability / d. Combined Single Limit
    • B. Automobile: personal auto and business auto / 2. Medical Payments
    • B. Automobile: personal auto and business auto / 3. Physical Damage (collision; other than collision; specified perils)
    • B. Automobile: personal auto and business auto / 4. Uninsured motorists
    • B. Automobile: personal auto and business auto / 5. Underinsured motorists
    • B. Automobile: personal auto and business auto / 6. Who is an insured
    • B. Automobile: personal auto and business auto / 7. Types of Auto
    • B. Automobile: personal auto and business auto / 7. Types of Auto / a. Owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / b. Non-owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / c. Hired
    • B. Automobile: personal auto and business auto / 7. Types of Auto / d. Temporary Substitute
    • B. Automobile: personal auto and business auto / 7. Types of Auto / e. Newly Acquired Autos
    • B. Automobile: personal auto and business auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • B. Automobile: personal auto and business auto / 8. Auto Dealers Coverage Form, including Garagekeepers Insurance
    • B. Automobile: personal auto and business auto / 9. Exclusions
    • B. Automobile: personal auto and business auto / 10. Individual Named Insured and Drive Other Car (DOC)
    • B. Automobile: personal auto and business auto / 11. Mobile equipment
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts / a. Who is an employee/employer
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts / b. Compensation
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 2. Work-related vs. non-work-related
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 3. Other states’ insurance
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 4. Employers Liability
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 5. Exclusive remedy
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 6. Premium Determination
    • D. Crime
    • D. Crime / 1. Employee Dishonesty
    • D. Crime / 2. Theft
    • D. Crime / 3. Robbery
    • D. Crime / 4. Burglary
    • D. Crime / 5. Forgery and Alteration
    • D. Crime / 6. Mysterious disappearance
    • E. Bonds
    • E. Bonds / 1. Surety
    • E. Bonds / 2. Fidelity
    • F. Professional liability
    • F. Professional liability / 1. Errors and Omissions
    • F. Professional liability / 2. Medical Malpractice
    • F. Professional liability / 3. Directors and Officers (D&O)
    • F. Professional liability / 4. Employment Practices Liability (EPLI)
    • F. Professional liability / 5. Cyber liability and data breach, funds transfer
    • F. Professional liability / 6. Liquor liability
    • G. Umbrella/Excess Liability
    • H. Business Owners Policy (BOP)
  • General knowledge: II. CASUALTY: INSURANCE TERMS AND RELATED CONCEPTS (15 scored questions)
    • A. Risk
    • B. Hazards
    • B. Hazards / 1. Moral
    • B. Hazards / 2. Morale
    • B. Hazards / 3. Physical
    • C. Indemnity
    • D. Insurable interest
    • E. Loss valuation
    • E. Loss valuation / 1. Actual cash value
    • E. Loss valuation / 2. Replacement cost
    • E. Loss valuation / 3. Market value
    • E. Loss valuation / 4. Stated/agreed value
    • E. Loss valuation / 5. Salvage value
    • F. Negligence
    • G. Liability
    • H. Occurrence
    • I. Binders
    • J. Warranties
    • K. Representations
    • L. Concealment
    • M. Deposit Premium/Audit
    • N. Certificate of Insurance
    • O. Law of Large Numbers
    • P. Pure vs. Speculative Risk
    • Q. Endorsements
    • R. Damages
    • R. Damages / 1. Compensatory
    • R. Damages / 1. Compensatory / a. General
    • R. Damages / 1. Compensatory / b. Special
    • R. Damages / 2. Punitive
    • S. Compliance with provisions of Fair Credit Reporting Act
  • General knowledge: III. CASUALTY: POLICY PROVISIONS (12 scored questions)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions and Limitations
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Cancellation and nonrenewal provisions
    • H. Supplementary payments
    • I. Proof of loss
    • J. Notice of claim
    • K. Arbitration
    • L. Other insurance
    • M. Subrogation
    • N. Loss settlement provisions including consent to settle a loss
    • O. Terrorism Risk Insurance Act (TRIA)
  • Connecticut specific: I. CT STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, AND CASUALTY INSURANCE (18 scored questions)
    • A. Responsibilities of the Insurance Commissioner
    • A. Responsibilities of the Insurance Commissioner / 1. General duties and powers
    • A. Responsibilities of the Insurance Commissioner / 2. Examination of records
    • A. Responsibilities of the Insurance Commissioner / 3. Hearings/notice of hearings
    • A. Responsibilities of the Insurance Commissioner / 4. Penalties and fines
    • A. Responsibilities of the Insurance Commissioner / 5. Cease and desist orders
    • B. Definitions
    • B. Definitions / 1. Insurance transaction
    • B. Definitions / 2. Insurer
    • B. Definitions / 3. Reinsurance
    • B. Definitions / 4. Domestic, foreign, and alien companies
    • B. Definitions / 5. Authorized and unauthorized companies / admitted and nonadmitted companies
    • B. Definitions / 6. Stock and mutual companies, and reciprocals
    • B. Definitions / 7. Risk retention group
    • B. Definitions / 8. Certificate of authority
    • C. Licensing
    • C. Licensing / 1. Purpose
    • C. Licensing / 2. Licensing Requirements
    • C. Licensing / 2. Licensing Requirements / a. Producer
    • C. Licensing / 2. Licensing Requirements / b. Agent
    • C. Licensing / 2. Licensing Requirements / c. Broker
    • C. Licensing / 2. Licensing Requirements / d. Resident/Nonresident
    • C. Licensing / 2. Licensing Requirements / e. Temporary license
    • C. Licensing / 3. Agent appointment/termination of contract
    • C. Licensing / 4. Obtaining a license
    • C. Licensing / 4. Obtaining a license / a. Qualifications
    • C. Licensing / 4. Obtaining a license / b. Licenses fees and application
    • C. Licensing / 4. Obtaining a license / c. Written examinations
    • C. Licensing / 4. Obtaining a license / d. Exemptions/exceptions
    • C. Licensing / 4. Obtaining a license / e. License denial
    • C. Licensing / 5. Maintaining a license
    • C. Licensing / 5. Maintaining a license / a. Continuing education
    • C. Licensing / 5. Maintaining a license / b. Change of address/name change
    • C. Licensing / 5. Maintaining a license / c. Fees/renewal
    • C. Licensing / 5. Maintaining a license / d. License expiration
    • C. Licensing / 5. Maintaining a license / e. Suspension or revocation of licenses
    • D. Agent responsibilities
    • D. Agent responsibilities / 1. Fiduciary capacity
    • D. Agent responsibilities / 1. Fiduciary capacity / a. Premium accountability
    • D. Agent responsibilities / 2. Disclosure
    • D. Agent responsibilities / 3. Commissions and compensation/ charges for extra services
    • E. Filing and approval of policy forms
    • F. Connecticut Insurance Guaranty Association Act
    • F. Connecticut Insurance Guaranty Association Act / 1. Brokered Transactions Guaranty Fund
    • G. Marketing practices
    • G. Marketing practices / 1. Responsibilities of the insurer
    • G. Marketing practices / 2. Unfair claims practices
    • G. Marketing practices / 3. Unfair trade practices
    • G. Marketing practices / 3. Unfair trade practices / a. Rebating
    • G. Marketing practices / 3. Unfair trade practices / b. Misrepresentation
    • G. Marketing practices / 3. Unfair trade practices / c. False advertising
    • G. Marketing practices / 3. Unfair trade practices / d. Defamation
    • G. Marketing practices / 3. Unfair trade practices / e. False financial statements
    • G. Marketing practices / 3. Unfair trade practices / f. Controlled business
    • G. Marketing practices / 3. Unfair trade practices / g. Boycott, coercion, intimidation
    • G. Marketing practices / 3. Unfair trade practices / h. Unfair discrimination
    • G. Marketing practices / 3. Unfair trade practices / i. Coercion of borrower
    • G. Marketing practices / 3. Unfair trade practices / j. Illegal inducement
    • G. Marketing practices / 3. Unfair trade practices / k. Misrepresentation on applications
    • G. Marketing practices / 3. Unfair trade practices / l. Twisting
    • G. Marketing practices / 4. Return of premium
    • H. Connecticut Insurance Information and Privacy Protection Act
  • Connecticut specific: II. STATE STATUTES, RULES AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY (3 scored questions)
    • A. Premium Financing
    • B. Insurance Contracts
    • B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies
    • B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies / a. Illegal declination, nonrenewal, and cancellation
    • B. Insurance Contracts / 2. Binders
    • C. Surplus Lines
  • Connecticut specific: III. STATE STATUTES, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY (4 scored questions)
    • A. Auto Insurance
    • A. Auto Insurance / 1. Required coverages
    • A. Auto Insurance / 2. Limits
    • A. Auto Insurance / 3. Rates/rating information
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law / a. Option for additional coverage
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law / b. Insurer insolvency
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / a. Proof of financial responsibility defined
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / b. Persons required to show proof
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / c. Penalty for noncompliance
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / d. Methods of satisfying financial responsibility
    • B. Connecticut Auto Insurance Assigned Risk Plan
    • B. Connecticut Auto Insurance Assigned Risk Plan / 1. Purpose
    • B. Connecticut Auto Insurance Assigned Risk Plan / 2. Definitions
    • B. Connecticut Auto Insurance Assigned Risk Plan / 3. Eligibility
    • B. Connecticut Auto Insurance Assigned Risk Plan / 4. Insured’s participation
    • B. Connecticut Auto Insurance Assigned Risk Plan / 5. Insurer’s participation
    • B. Connecticut Auto Insurance Assigned Risk Plan / 6. Coverage and options
    • B. Connecticut Auto Insurance Assigned Risk Plan / 7. Collection of placement fee
    • C. Connecticut Worker’s Compensation Law
    • C. Connecticut Worker’s Compensation Law / 1. Definitions
    • C. Connecticut Worker’s Compensation Law / 1. Definitions / a. Employer
    • C. Connecticut Worker’s Compensation Law / 1. Definitions / b. Employee
    • C. Connecticut Worker’s Compensation Law / 2. Employments covered/excluded
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / a. Minimum duration of incapacity
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / b. Medical Benefits required
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / c. Compensation for total disability
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / d. Compensation for partial disability
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / e. Survivorship benefits
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / f. Burial expenses
    • C. Connecticut Worker’s Compensation Law / 4. Second injury fund
    • C. Connecticut Worker’s Compensation Law / 5. Claims procedures

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