MO PROPERTY AND CASUALTY 2026 TEST
QUESTIONS AND ANSWERS SURE A+
✔✔Supplementary payments on a CGL provide all of the following EXCEPT - ✔✔Up to
$500 a day for lost earnings and $2,000 for the cost of all bail bonds
✔✔Under the professional liability loss settlement provision, what must an insurer do
before offering to pay a claimant to settle a claim? - ✔✔Get the insured's consent
✔✔Under businessowners policy Section I, if an insurer wants to nonrenew a policy for
nonpayment of premium, how many days before the expiration date must the insurer
notify the mortgageholder? - ✔✔10 days
✔✔Which of the following is a common exclusion found in Part D: Coverage for
Damage to Your Auto of a PAP? - ✔✔Mechanical breakdown
✔✔Under the commercial crime coverage inside the premises - robbery or safe burglary
of other property, what is the special per occurrence limit that applies to loss or damage
to precious metals, precious and semiprecious stones, pearls, furs, manuscripts,
drawings, or records? - ✔✔$5,000
, ✔✔All of the following statements describe the concept of strict liability EXCEPT - ✔✔It
is imposed on defendants engaged in hazardous activities
✔✔Coverage for all of the following is found in Section I of a homeowners policy
EXCEPT - ✔✔Personal liability
✔✔If an individual producer's license expires and the producer doesn't want to pass a
written exam, the license must be reinstated within what time period from the renewal
date? - ✔✔12 months
✔✔Which of the following would be required to be licensed as an insurance producer? -
✔✔A salaried employee who advertises and solicits insurance
✔✔All of the following are true regarding rebates EXCEPT - ✔✔Rebates are allowed if
it's in the best interest of the client.
✔✔How often are insurance producers in this state required to fulfill continuing
education credits? - ✔✔Every 2 years
✔✔Which of the following is NOT a punishment for violating the Director's cease and
desist order? - ✔✔Community service
✔✔When a property policy is cancelled under the Missouri Basic Property Insurance
and Placement Program, the insurer must send the insured a notice of cancellation.
Which of the following is FALSE regarding the notice? - ✔✔It must be sent at least 15
days prior to the date of cancellation
✔✔How many hours of continuing education must be completed in ethics and Missouri
law each licensing period? - ✔✔3
✔✔The owner of a standard fire insurance policy suffers a total loss due to fire. The
insurer receives the insured's Proof of Loss statement along with evidence of arson.
How soon may the insurer cancel the policy? - ✔✔Within 10 days
✔✔If an insurance company makes a statement that its policies are guaranteed by the
existence of the Insurance Guaranty Association, the would be considered - ✔✔An
unfair trade practice
✔✔An employee was injured on the job and has been out of commission for the past 3
months. If he last received workers' compensation claims check on June 5th, what is the
latest day that he could receive his next check? - ✔✔June 19th
QUESTIONS AND ANSWERS SURE A+
✔✔Supplementary payments on a CGL provide all of the following EXCEPT - ✔✔Up to
$500 a day for lost earnings and $2,000 for the cost of all bail bonds
✔✔Under the professional liability loss settlement provision, what must an insurer do
before offering to pay a claimant to settle a claim? - ✔✔Get the insured's consent
✔✔Under businessowners policy Section I, if an insurer wants to nonrenew a policy for
nonpayment of premium, how many days before the expiration date must the insurer
notify the mortgageholder? - ✔✔10 days
✔✔Which of the following is a common exclusion found in Part D: Coverage for
Damage to Your Auto of a PAP? - ✔✔Mechanical breakdown
✔✔Under the commercial crime coverage inside the premises - robbery or safe burglary
of other property, what is the special per occurrence limit that applies to loss or damage
to precious metals, precious and semiprecious stones, pearls, furs, manuscripts,
drawings, or records? - ✔✔$5,000
, ✔✔All of the following statements describe the concept of strict liability EXCEPT - ✔✔It
is imposed on defendants engaged in hazardous activities
✔✔Coverage for all of the following is found in Section I of a homeowners policy
EXCEPT - ✔✔Personal liability
✔✔If an individual producer's license expires and the producer doesn't want to pass a
written exam, the license must be reinstated within what time period from the renewal
date? - ✔✔12 months
✔✔Which of the following would be required to be licensed as an insurance producer? -
✔✔A salaried employee who advertises and solicits insurance
✔✔All of the following are true regarding rebates EXCEPT - ✔✔Rebates are allowed if
it's in the best interest of the client.
✔✔How often are insurance producers in this state required to fulfill continuing
education credits? - ✔✔Every 2 years
✔✔Which of the following is NOT a punishment for violating the Director's cease and
desist order? - ✔✔Community service
✔✔When a property policy is cancelled under the Missouri Basic Property Insurance
and Placement Program, the insurer must send the insured a notice of cancellation.
Which of the following is FALSE regarding the notice? - ✔✔It must be sent at least 15
days prior to the date of cancellation
✔✔How many hours of continuing education must be completed in ethics and Missouri
law each licensing period? - ✔✔3
✔✔The owner of a standard fire insurance policy suffers a total loss due to fire. The
insurer receives the insured's Proof of Loss statement along with evidence of arson.
How soon may the insurer cancel the policy? - ✔✔Within 10 days
✔✔If an insurance company makes a statement that its policies are guaranteed by the
existence of the Insurance Guaranty Association, the would be considered - ✔✔An
unfair trade practice
✔✔An employee was injured on the job and has been out of commission for the past 3
months. If he last received workers' compensation claims check on June 5th, what is the
latest day that he could receive his next check? - ✔✔June 19th
