Property-and-Casualty : Property and Casualty Insurance (General / All states) Exam

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P-and-C
Property-and-Casualty
Property and Casualty Insurance
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Question: 296 The commercial Common Policy declarations would include all of the following types of information except which one?
types of information except which one?
Answer: C Crime insurance written under a loss sustained form covers losses sustained during the policy period and discovered either during the policy period or up to one year after the policy expires.
Question: 298
Under the NCCI workers compensation and employers liability policy form, the employers liability coverage excludes any claim for which of the following?
A. Care and loss of service
B. Liability assumed under contract
C. Damages to a third party
D. Consequential injury to a spouse or relative of an injured worker
policy are in the hands of the
of the insured. Because the design and wording of a pe
insurer, insurance policies are said to be which of the following?
A. Contracts of indemnity
B. Unilateral contracts
C. Contracts of adhesion
D. Aleatory contracts
Answer: C
Insurance policies are contracts of adhesion. The insurer draws up the contract
language, and the insured simply adheres to the terms. For this reason, any
ambiguity in the wording is usually resolved in favor of the insured by the courts.
Question: 301
Which of the commercial property causes of loss forms provide theft coverage?
Which of the commercial property causes of loss forms provide theft coverage?
cancels a policy for any reason during the first 60 days of coverage or forcancels a policy for any reason during the first 60 days of coverage or for
nonpayment of premium at any time during the policy term. However, after a policy has been in effect for 60 days, the insurer must give notice at least 30 days in advance when canceling for any reason other than nonpayment of premium.
Question: 303
Under which policy provision is an insured's right to recover for a loss from a third party transferred to the insurance company?
A. Abandonment
B. Pair or set clause
C. Subrogation
D. Arbitration
Answer: A If a building is insured on a replacement cost basis, a businessowners policy will provide additional coverage for increased cost of construction when required to comply with an existing ordinance or law. This coverage is limited to 10,000.
Question: 305
Which of the following is not available as one of the farm liability coverages included in an ISO policy?
A. Medical payments to others
B. Bodily injury and property damage
C. Personal injury and advertising injury
D. Injury to farm employees
Which of the following is true abou
mitten on aWhich of the following is true about commercial crime coverage wrr
discovery policy form?
A. In order to be covered, losses must be sustained and discovered during the policy period.
B. Losses may be covered if they are discovered at any time up to 18 months after the policy expires.
C. No exclusions apply to the types of losses that may be covered by this form.
D. A loss discovered during the policy period will be covered even if it was sustained years earlier.
Answer: D Commercial crime coverage written on a discovery policy form will cover a loss discovered during the policy period even if it was sustained months or years earlier. It will also cover a loss discovered up to 60 days after the policy expires. Exclusions do apply to this coverage.
Exclusions do apply to this coverage.
A. 60 days in advance
B. 30 days in advance
C. 20 days in advance
D. 10 days in advance
Answer: B
If the insurer cancels a commercial package policy, it must mail a written notice to the last known address of the first named insured. Ten days' notice is required for cancellation for nonpayment of premium; 30 days notice is required for cancellation for any other reason permitted by the policy.
Question: 310 Which of the following coverages may be included in a personal auto policy
Which of the following coverages may be included in a personal auto policy
Answer: D The commercial building and personal property coverage form does provide a number of coverage extensions but only if an 80% or higher coinsurance percentage or a value reporting symbol is shown in the declarations.

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