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Free Vermont Producer's Examination for Casualty Insurance Practice Questions

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Sample Practice Questions

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

  1. 1A Vermont resident applies for an individual insurance producer license. What is the statutory minimum age?

    1. A. 18 years
    2. B. 19 years
    3. C. 21 years
    4. D. 25 years

    Answer: A

    Explanation: The applicant meets the age element at 18. Section 4813f(a)(1) requires that the applicant “Is at least 18 years of age.”

    Reference: Vermont Laws — 8 V.S.A. § 4813f(a)(1)

  2. 2When may a false statement in an insurance application bar recovery under a Vermont policy?

    1. A. Whenever the statement is inaccurate, even if immaterial
    2. B. Only if made with intent to deceive or if it materially affected acceptance of the risk or hazard
    3. C. Only when the applicant refuses an examination under oath
    4. D. Whenever discovered after a loss

    Answer: B

    Explanation: Section 4205 makes “actual intent to deceive” one of the grounds that can make the false statement bar recovery; material effect is the other statutory route.

    Reference: Vermont Laws — 8 V.S.A. § 4205

  3. 3The parties agree to settle a Vermont claim. Absent a court order or other legal requirement, by when must the insurer mail the agreed payment?

    1. A. Mail it no later than the fifth business day after agreement
    2. B. Mail it no later than the tenth business day after agreement
    3. C. Mail it no later than the fifteenth business day after agreement
    4. D. Mail it no later than the thirtieth business day after agreement

    Answer: B

    Explanation: Regulation I-79-2 says: “After settlement has been agreed upon, insurer shall mail payment in amount agreed to claimant and/or loss payee within ten (10) business days.”

    Reference: Code of VT Rules 79-2_clean_for_SoS — Regulation I-79-2, § 6(G), p. 4

  4. 4A proposed Vermont homeowners form excludes liability whenever any alcohol or drug is involved, without regard to causation. What does DFR's filing guidance say?

    1. A. The exclusion is mandatory
    2. B. The exclusion is allowed only for renters
    3. C. Such alcohol and drug exclusions are not allowed
    4. D. The exclusion is allowed with a premium credit

    Answer: C

    Explanation: DFR's homeowners filing requirements state that alcohol and drug exclusions “are not allowed.”

    Reference: Homeowner’s and Dwelling Property — p. 1, Alcohol and Drugs Exclusions

  5. 5What minimum liability limits must a Vermont motor vehicle policy provide for one accident involving one person's bodily injury, multiple persons' bodily injury, and property damage?

    1. A. $15,000/$30,000/$5,000
    2. B. $25,000/$50,000/$10,000
    3. C. $50,000/$100,000/$25,000
    4. D. $100,000/$300,000/$50,000

    Answer: B

    Explanation: Vermont's compulsory-insurance statute requires “at least $25,000.00 for one person and $50,000.00 for two or more persons killed or injured and $10,000.00 for damages to property” in one crash.

    Reference: Vermont Laws — 23 V.S.A. § 800(a)

  6. 6An insurer assembles one policy from separately selected commercial property and general-liability coverage parts under common policy declarations. Which package structure is this?

    1. A. A commercial package policy
    2. B. A monoline commercial property policy
    3. C. A monoline general liability policy
    4. D. A commercial crime coverage form

    Answer: A

    Explanation: "a Commercial Package Policy (CPP), which combines two or more commercial coverage parts such as commercial property, general liability, and commercial auto." The two selected parts form a CPP, rather than one monoline or crime form.

    Reference: California Department of Insurance, Commercial Insurance Guide — Commercial Insurance Guide, Commercial Package Policy

  7. 7A small retail business seeks a package covering its building contents, general liability, and interruption of operations. Which policy is designed to combine those protections for a suitable small business?

    1. A. A businessowners policy
    2. B. A commercial crime policy
    3. C. A commercial auto policy
    4. D. An employers liability policy

    Answer: A

    Explanation: "Designed specifically for small businesses, a Business Owners Policy (BOP) is a combination commercial policy that covers property, general liability and business interruption." The other policies focus on separate exposures.

    Reference: California Department of Insurance, Commercial Insurance Guide — Commercial Insurance Guide, Business Owners Policy

  8. 8Vermont's workers' compensation definition of “injury” includes death resulting from the injury within what period?

    1. A. Within six months
    2. B. Within one year
    3. C. Within two years
    4. D. Within five years

    Answer: C

    Explanation: Section 601(7) expressly includes “death resulting from injury within two years” in the definitions of injury and personal injury.

    Reference: Vermont Laws — 21 V.S.A. § 601(7)

  9. 9Absent the Commissioner's permission, closing a Vermont surplus lines broker's office for more than what period is a statutory ground for license discipline?

    1. A. 10 consecutive days
    2. B. 20 consecutive days
    3. C. 30 consecutive days
    4. D. 60 consecutive days

    Answer: C

    Explanation: Section 5037(2) lists “closing of the surplus lines broker’s office for a period of more than 30 consecutive days” as a ground for discipline unless the Commissioner grants permission.

    Reference: Vermont Laws — 8 V.S.A. § 5037(2)

  10. 10An insurer's claim adjuster receives notice of a Vermont casualty claim and has authority to adjust it. By when must the insurer or agent acknowledge receipt to the claimant?

    1. A. No later than the fifth business day
    2. B. No later than the tenth business day after notice is received
    3. C. No later than the fifteenth business day
    4. D. No later than the thirtieth business day

    Answer: B

    Explanation: The Vermont fair-claims rule says the insurer or authorized agent “shall mail or orally acknowledge receipt of the claim notice directly to the claimant, within ten (10) business days.”

    Reference: Code of VT Rules 79-2_clean_for_SoS — Regulation I-79-2, § 5(A), p. 3

Topics in this practice bank

These topics describe the available practice for Vermont Producer's Examination for Casualty Insurance. Review the examination outline and its sources for scope and allocation details.

  • Insurance Regulation
    • Licensing
    • Licensing / Process (4800; 4813f)
    • Licensing / Types of licensees (4791)
    • Licensing / Types of licensees (4791) / Resident (4800(3)(A))
    • Licensing / Types of licensees (4791) / Nonresident (4800(3)(B); 4813h)
    • Licensing / Types of licensees (4791) / Temporary (4800(3)(D)(ii); 4813k)
    • Licensing / Maintenance and duration
    • Licensing / Maintenance and duration / Renewal and expiration (4798)
    • Licensing / Maintenance and duration / Address change (4800(3)(F))
    • Licensing / Maintenance and duration / Assumed business name (4813j)
    • Licensing / Maintenance and duration / Reporting of actions (4813o)
    • Licensing / Maintenance and duration / Continuing education requirements (4800a; Reg 2000-2 Sec 4)
    • Licensing / Disciplinary actions
    • Licensing / Disciplinary actions / Denial of license (4800(3)(E))
    • Licensing / Disciplinary actions / Cease and desist order (3661)
    • Licensing / Disciplinary actions / Suspension, revocation or nonrenewal (4804; 4806)
    • Licensing / Disciplinary actions / Penalties (3661(a)(2); 4804(d))
    • State regulation
    • State regulation / Commissioner's general duties and powers (4726; 4804)
    • State regulation / Company regulation
    • State regulation / Company regulation / Certificate of authority (3368)
    • State regulation / Company regulation / Unfair claim settlement practices (4724(9); Reg 79-2 Sec 1–7)
    • State regulation / Company regulation / Policy forms (3541)
    • State regulation / Company regulation / Examination of records (3565)
    • State regulation / Company regulation / Producer appointment (4798(c); 4813l)
    • State regulation / Company regulation / Termination of appointment (4798(d); 4813m)
    • State regulation / Producer regulation
    • State regulation / Producer regulation / Acting without a license (4793; 4813c)
    • State regulation / Producer regulation / Acting without a license (4793; 4813c) / Shared commissions (4796)
    • State regulation / Producer regulation / Acting without a license (4793; 4813c) / Trust accounts — anti-commingling (Reg 95-1; 4724(12))
    • State regulation / Producer regulation / Acting without a license (4793; 4813c) / Controlled business (4795)
    • State regulation / Producer regulation / Acting without a license (4793; 4813c) / Duties (4813c)
    • State regulation / Producer regulation / Unfair trade practices (4724)
    • State regulation / Producer regulation / Unfair trade practices (4724) / Misrepresentation (4724(1, 11, 13))
    • State regulation / Producer regulation / Unfair trade practices (4724) / False advertising (4724(2))
    • State regulation / Producer regulation / Unfair trade practices (4724) / Defamation (4724(3))
    • State regulation / Producer regulation / Unfair trade practices (4724) / Boycott, coercion and intimidation (4724(4))
    • State regulation / Producer regulation / Unfair trade practices (4724) / False financial statements and entries (4724(5))
    • State regulation / Producer regulation / Unfair trade practices (4724) / Illegal inducement (4724(6))
    • State regulation / Producer regulation / Unfair trade practices (4724) / Unfair discrimination (4724(7))
    • State regulation / Producer regulation / Unfair trade practices (4724) / Rebating (4724(8))
    • State regulation / Producer regulation / Unfair trade practices (4724) / Failure to maintain complaint record (4724(10))
    • State regulation / Producer regulation / Unfair trade practices (4724) / Failure to act as fiduciary (4724(12); Reg 95-1)
    • State regulation / Producer regulation / Unfair trade practices (4724) / Unsuitability (4724(16))
    • State regulation / Producer regulation / Unfair trade practices (4724) / Nondisclosure of fees or charges (4724(14))
    • State regulation / Producer regulation / Consumer privacy regulation (IH-2001-01)
    • Federal regulation
    • Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d)
    • Federal regulation / Fraud and false statements (18 USC 1033, 1034)
  • General Insurance
    • Concepts
    • Concepts / Risk management key terms
    • Concepts / Risk management key terms / Risk
    • Concepts / Risk management key terms / Exposure
    • Concepts / Risk management key terms / Hazard
    • Concepts / Risk management key terms / Peril
    • Concepts / Risk management key terms / Loss
    • Concepts / Methods of handling risk
    • Concepts / Methods of handling risk / Avoidance
    • Concepts / Methods of handling risk / Retention
    • Concepts / Methods of handling risk / Sharing
    • Concepts / Methods of handling risk / Reduction
    • Concepts / Methods of handling risk / Transfer
    • Concepts / Elements of insurable risks
    • Concepts / Adverse selection
    • Concepts / Law of large numbers
    • Concepts / Reinsurance
    • Insurers
    • Insurers / Types of insurers
    • Insurers / Types of insurers / Captive insurers
    • Insurers / Types of insurers / Stock companies
    • Insurers / Types of insurers / Mutual companies
    • Insurers / Types of insurers / Fraternal benefit societies
    • Insurers / Types of insurers / Lloyd's associations
    • Insurers / Types of insurers / Risk retention groups
    • Insurers / Private versus government insurers
    • Insurers / Admitted versus nonadmitted insurers
    • Insurers / Domestic, foreign and alien insurers
    • Insurers / Financial status (independent rating services)
    • Insurers / Marketing (distribution) systems
    • Producers and general rules of agency
    • Producers and general rules of agency / Insurer as principal
    • Producers and general rules of agency / Producer/insurer relationship
    • Producers and general rules of agency / Authority and powers of producers
    • Producers and general rules of agency / Authority and powers of producers / Express
    • Producers and general rules of agency / Authority and powers of producers / Implied
    • Producers and general rules of agency / Authority and powers of producers / Apparent
    • Contracts
    • Contracts / Elements of a legal contract
    • Contracts / Elements of a legal contract / Offer and acceptance
    • Contracts / Elements of a legal contract / Consideration
    • Contracts / Elements of a legal contract / Competent parties
    • Contracts / Elements of a legal contract / Legal purpose
    • Contracts / Distinct characteristics of an insurance contract
    • Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
    • Contracts / Distinct characteristics of an insurance contract / Aleatory contract
    • Contracts / Distinct characteristics of an insurance contract / Personal contract
    • Contracts / Distinct characteristics of an insurance contract / Unilateral contract
    • Contracts / Legal interpretations affecting contracts
    • Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • Contracts / Legal interpretations affecting contracts / Reasonable expectations
    • Contracts / Legal interpretations affecting contracts / Indemnity
    • Contracts / Legal interpretations affecting contracts / Utmost good faith
    • Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
    • Contracts / Legal interpretations affecting contracts / Warranties
    • Contracts / Legal interpretations affecting contracts / Concealment
    • Contracts / Legal interpretations affecting contracts / Fraud
    • Contracts / Legal interpretations affecting contracts / Waiver and estoppel
  • Casualty Insurance Basics
    • Principles and concepts
    • Principles and concepts / Insurable interest
    • Principles and concepts / Underwriting
    • Principles and concepts / Underwriting / Function
    • Principles and concepts / Underwriting / Loss ratio
    • Principles and concepts / Rates
    • Principles and concepts / Rates / Types
    • Principles and concepts / Rates / Loss costs
    • Principles and concepts / Rates / Components
    • Principles and concepts / Hazards
    • Principles and concepts / Hazards / Physical
    • Principles and concepts / Hazards / Moral
    • Principles and concepts / Hazards / Morale
    • Principles and concepts / Negligence
    • Principles and concepts / Negligence / Elements of a negligent act
    • Principles and concepts / Negligence / Defenses against negligence
    • Principles and concepts / Damages
    • Principles and concepts / Damages / Compensatory — special versus general
    • Principles and concepts / Damages / Punitive
    • Principles and concepts / Absolute liability
    • Principles and concepts / Absolute liability / Strict liability
    • Principles and concepts / Absolute liability / Vicarious liability
    • Policy structure
    • Policy structure / Declarations
    • Policy structure / Definitions
    • Policy structure / Insuring agreement or clause
    • Policy structure / Additional/supplementary coverage
    • Policy structure / Conditions
    • Policy structure / Exclusions
    • Policy structure / Endorsements
    • Common policy provisions
    • Common policy provisions / Insureds — named, first named, additional
    • Common policy provisions / Policy period
    • Common policy provisions / Policy territory
    • Common policy provisions / Cancellation and nonrenewal
    • Common policy provisions / Deductibles
    • Common policy provisions / Other insurance
    • Common policy provisions / Other insurance / Nonconcurrency
    • Common policy provisions / Other insurance / Primary and excess
    • Common policy provisions / Other insurance / Pro rata
    • Common policy provisions / Other insurance / Contribution by equal shares
    • Common policy provisions / Limits of liability
    • Common policy provisions / Limits of liability / Per occurrence (accident)
    • Common policy provisions / Limits of liability / Per person
    • Common policy provisions / Limits of liability / Aggregate — general versus products — completed operations
    • Common policy provisions / Limits of liability / Split
    • Common policy provisions / Limits of liability / Combined single
    • Common policy provisions / Named insured provisions
    • Common policy provisions / Named insured provisions / Duties after loss
    • Common policy provisions / Named insured provisions / Assignment
    • Common policy provisions / Insurer provisions
    • Common policy provisions / Insurer provisions / Liberalization
    • Common policy provisions / Insurer provisions / Subrogation
    • Common policy provisions / Insurer provisions / Duty to defend
    • Vermont laws, regulations and required provisions
    • Vermont laws, regulations and required provisions / Vermont Property and Casualty Insurance Guaranty Association (3611–3626)
    • Vermont laws, regulations and required provisions / Renewal notice (3882; 4715)
    • Vermont laws, regulations and required provisions / Cancellation and nonrenewal (3879–3881; 3883; 4711–4714)
    • Vermont laws, regulations and required provisions / Consent to rate (4688(f); Reg I-2010-03)
    • Vermont laws, regulations and required provisions / Loss payment (Reg 79-2 Sec 6, 8)
    • Vermont laws, regulations and required provisions / Discrimination (3861)
    • Vermont laws, regulations and required provisions / Pollution coverage (Bul 111)
    • Vermont laws, regulations and required provisions / Required provisions (4203)
    • Vermont laws, regulations and required provisions / Federal Terrorism Insurance Program (Bul 142, 150; 15 USC 6701; Public Law 107–297, 109– 144, 110–160)
  • Homeowners Policy
    • Coverage forms
    • Coverage forms / HO-2 through HO-6
    • Definitions
    • Section II — Liability coverages
    • Section II — Liability coverages / Coverage E — Personal liability
    • Section II — Liability coverages / Coverage F — Medical payments to others
    • Section II — Liability coverages / Additional coverages
    • Exclusions
    • Conditions
    • Selected endorsements
    • Selected endorsements / Special provisions — Vermont (HO 01 44)
    • Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage — Vermont (HO 04 02)
    • Selected endorsements / Permitted incidental occupancies (HO 04 42)
    • Selected endorsements / Home day care — Vermont (HO 23 45)
    • Selected endorsements / Business pursuits (HO 24 71)
    • Selected endorsements / Watercraft (HO 24 75)
    • Selected endorsements / Personal injury (HO 24 82)
  • Auto Insurance
    • Laws
    • Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943)
    • Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943) / Required limits of liability (Title 23 Sec 801)
    • Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943) / Required proof of insurance (Bul 77)
    • Laws / Vermont Automobile Insurance Plan (4241–4246)
    • Laws / Vermont Automobile Insurance Plan (4241–4246) / Eligibility
    • Laws / Vermont Automobile Insurance Plan (4241–4246) / Liability limitations
    • Laws / Vermont Automobile Insurance Plan (4241–4246) / Physical damage coverage limitations
    • Laws / Uninsured/underinsured motorist (Title 23 Sec 941)
    • Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Definitions
    • Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Required limits of liability
    • Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Bodily injury
    • Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Property damage
    • Laws / Cancellation/nonrenewal
    • Laws / Cancellation/nonrenewal / Grounds (4223)
    • Laws / Cancellation/nonrenewal / Notice (4224–4226)
    • Laws / Cancellation/nonrenewal / Notice of eligibility in assigned risk plan (4227)
    • Laws / Binders (Title 23 Sec 942)
    • Laws / Surcharges (4671–4675)
    • Personal auto policy
    • Personal auto policy / Definitions
    • Personal auto policy / Liability coverage
    • Personal auto policy / Liability coverage / Bodily injury and property damage
    • Personal auto policy / Liability coverage / Supplementary payments
    • Personal auto policy / Liability coverage / Exclusions
    • Personal auto policy / Medical payments
    • Personal auto policy / Uninsured motorist/underinsured motorist coverage
    • Personal auto policy / Coverage for damage to your auto
    • Personal auto policy / Coverage for damage to your auto / Collision
    • Personal auto policy / Coverage for damage to your auto / Other than collision
    • Personal auto policy / Coverage for damage to your auto / Deductibles
    • Personal auto policy / Coverage for damage to your auto / Transportation expense
    • Personal auto policy / Coverage for damage to your auto / Exclusions
    • Personal auto policy / Duties after an accident or loss
    • Personal auto policy / General provisions
    • Personal auto policy / Selected endorsements
    • Personal auto policy / Selected endorsements / Amendment of policy provisions — Vermont (PP 01 72)
    • Personal auto policy / Selected endorsements / Towing and labor costs (PP 03 03)
    • Personal auto policy / Selected endorsements / Extended non-owned coverage (PP 03 06)
    • Personal auto policy / Selected endorsements / Miscellaneous type vehicle (PP 03 23)
    • Personal auto policy / Selected endorsements / Joint ownership coverage — Vermont (PP 03 80)
    • Commercial auto
    • Commercial auto / Commercial auto coverage forms
    • Commercial auto / Commercial auto coverage forms / Business auto
    • Commercial auto / Commercial auto coverage forms / Auto Dealers
    • Commercial auto / Commercial auto coverage forms / Business auto physical damage
    • Commercial auto / Commercial auto coverage forms / Truckers
    • Commercial auto / Commercial auto coverage forms / Motor carrier
    • Commercial auto / Coverage form sections
    • Commercial auto / Coverage form sections / Covered autos
    • Commercial auto / Coverage form sections / Liability coverage
    • Commercial auto / Coverage form sections / Garagekeepers coverage
    • Commercial auto / Coverage form sections / Trailer interchange coverage
    • Commercial auto / Coverage form sections / Physical damage coverage
    • Commercial auto / Coverage form sections / Exclusions
    • Commercial auto / Coverage form sections / Conditions
    • Commercial auto / Coverage form sections / Definitions
    • Commercial auto / Selected endorsements
    • Commercial auto / Selected endorsements / Lessor — additional insured and loss payee (CA 20 01)
    • Commercial auto / Selected endorsements / Mobile equipment (CA 20 15)
    • Commercial auto / Selected endorsements / Auto medical payments coverage (CA 99 03)
    • Commercial auto / Selected endorsements / Drive other car coverage (CA 99 10)
    • Commercial auto / Selected endorsements / Individual named insured (CA 99 17)
    • Commercial auto / Commercial carrier regulations
    • Commercial auto / Commercial carrier regulations / The Motor Carrier Act of 1980
    • Commercial auto / Commercial carrier regulations / Endorsement for motor carrier policies of insurance for public liability (MCS-90)
  • Commercial Package Policy (CPP)
    • Components of a commercial policy
    • Components of a commercial policy / Common policy declarations
    • Components of a commercial policy / Common policy conditions
    • Components of a commercial policy / Interline endorsements
    • Components of a commercial policy / One or more coverage parts
    • Commercial general liability
    • Commercial general liability / Commercial general liability coverage forms
    • Commercial general liability / Commercial general liability coverage forms / Bodily injury and property damage liability
    • Commercial general liability / Commercial general liability coverage forms / Personal and advertising injury liability
    • Commercial general liability / Commercial general liability coverage forms / Medical payments
    • Commercial general liability / Commercial general liability coverage forms / Supplementary payments
    • Commercial general liability / Commercial general liability coverage forms / Who is an insured
    • Commercial general liability / Commercial general liability coverage forms / Limits of liability
    • Commercial general liability / Commercial general liability coverage forms / Conditions
    • Commercial general liability / Commercial general liability coverage forms / Definitions
    • Commercial general liability / Commercial general liability coverage forms / Exclusions
    • Commercial general liability / Premises and operations
    • Commercial general liability / Products and completed operations
    • Commercial general liability / Insured contract
    • Commercial crime
    • Commercial crime / General definitions
    • Commercial crime / General definitions / Burglary
    • Commercial crime / General definitions / Theft
    • Commercial crime / General definitions / Robbery
    • Commercial crime / Crime coverage forms
    • Commercial crime / Crime coverage forms / Commercial crime coverage forms (discovery/loss sustained)
    • Commercial crime / Crime coverage forms / Government crime coverage forms (discovery/loss sustained)
    • Commercial crime / Coverages
    • Commercial crime / Coverages / Employee theft
    • Commercial crime / Coverages / Forgery or alteration
    • Commercial crime / Coverages / Inside the premises — theft of money and securities
    • Commercial crime / Coverages / Inside the premises — robbery or safe burglary of other property
    • Commercial crime / Coverages / Outside premises
    • Commercial crime / Coverages / Computer fraud
    • Commercial crime / Coverages / Funds transfer fraud
    • Commercial crime / Coverages / Money orders and counterfeit money
    • Commercial crime / Other crime coverage
    • Commercial crime / Other crime coverage / Extortion — commercial entities
    • Farm coverage
    • Farm coverage / Farm liability coverage form
    • Farm coverage / Farm liability coverage form / Coverage H — Bodily injury and property damage liability
    • Farm coverage / Farm liability coverage form / Coverage I — Personal advertising injury liability
    • Farm coverage / Farm liability coverage form / Coverage J — Medical payments
    • Farm coverage / Definitions
    • Farm coverage / Conditions
    • Farm coverage / Exclusions
    • Farm coverage / Limits
    • Farm coverage / Additional coverages
  • Businessowners Policy
    • Characteristics and purpose
    • Businessowners Section II — Liability
    • Businessowners Section II — Liability / Coverages
    • Businessowners Section II — Liability / Exclusions
    • Businessowners Section II — Liability / Who is an insured
    • Businessowners Section II — Liability / Limits of insurance
    • Businessowners Section II — Liability / General conditions
    • Businessowners Section II — Liability / Definitions
    • Businessowners Section III — Common Policy Conditions
  • Workers Compensation Insurance
    • Workers compensation laws
    • Workers compensation laws / Type of law
    • Workers compensation laws / Type of law / Compulsory versus elective
    • Workers compensation laws / Vermont Workers' Compensation Law
    • Workers compensation laws / Vermont Workers' Compensation Law / Exclusive remedy
    • Workers compensation laws / Vermont Workers' Compensation Law / Employment covered (required, voluntary)
    • Workers compensation laws / Vermont Workers' Compensation Law / Covered injuries
    • Workers compensation laws / Vermont Workers' Compensation Law / Occupational disease
    • Workers compensation laws / Vermont Workers' Compensation Law / Benefits provided
    • Workers compensation laws / Federal workers compensation laws
    • Workers compensation laws / Federal workers compensation laws / Federal Employer Liability Act (FELA) (45 USC 51–60)
    • Workers compensation laws / Federal workers compensation laws / U.S. Longshore & Harbor Workers'
    • Workers compensation laws / Federal workers compensation laws / U.S. Longshore & Harbor Workers' / Compensation Act (33 USC 904)
    • Workers compensation laws / Federal workers compensation laws / The Jones Act (46 USC 688)
    • Workers compensation and employers liability insurance policy
    • Workers compensation and employers liability insurance policy / General section
    • Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance
    • Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance / Part Two — Employers liability insurance
    • Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance / Part Three — Other states insurance
    • Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance / Part Four — Your duties if injury occurs
    • Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance / Part Five — Premium
    • Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance / Part Six — Conditions
    • Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance / Voluntary compensation endorsement
    • Premium computation
    • Premium computation / Job classification — payroll and rates
    • Premium computation / Experience modification factor
    • Premium computation / Premium discounts
    • Other sources of coverages
    • Other sources of coverages / Vermont workers' compensation administration fund
    • Other sources of coverages / Self-insured employers and employer groups
  • Other Coverages and Options
    • Umbrella/excess liability policies
    • Umbrella/excess liability policies / Personal (DL 98 01)
    • Umbrella/excess liability policies / Commercial (CU 00 01)
    • Specialty liability insurance
    • Specialty liability insurance / Cyber liability coverage
    • Specialty liability insurance / Professional liability
    • Specialty liability insurance / Errors and omissions
    • Specialty liability insurance / Directors and officers liability
    • Specialty liability insurance / Fiduciary liability
    • Specialty liability insurance / Liquor liability
    • Specialty liability insurance / Employment practices liability
    • Surplus lines
    • Surplus lines / Definitions and markets
    • Surplus lines / Licensing requirements
    • Surety bonds
    • Surety bonds / Principal, obligee, surety
    • Surety bonds / Contract bonds
    • Surety bonds / License and permit bonds
    • Surety bonds / Judicial bonds
    • Ocean marine insurance
    • Ocean marine insurance / Protection and indemnity

How to use these free practice questions

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These are independent study questions, not actual examination items. For examination requirements and official information, view Vermont Producer's Examination for Casualty Insurance details.