NJ Casualty Test
A property damage liability policy would offer protection for - ANS-Damages done to a gas
station due to insured's parking collision.
A women slips and falls on icy steps and breaks her leg. What may be a peril in this situation ? -
ANS-The fall
An employer sends employee out of state on work related basis, what does employer need to
do to ensure the appropriate workers comp coverage - ANS-List the state on the information
page for "other states coverage"
An insured is found legally liable for the loss of another and is ordered to pay general damages -
ANS-Damages compensate for pain and suffering.
An insured's attempt to mitigate risk ? - ANS-Reduction
bail bond - ANS-A document guaranteeing the appearance of a defendant in court as required
and recording the pledge of money or property to be paid to the court if he or she does not
appear, which is signed by the person to be released and anyone else acting on his or her
behalf.
burglary - ANS-entering a building unlawfully with intent to commit a felony or to steal valuable
property
Business liability exposure type of a slip and fall - ANS-Premises and operations
comprehensive coverage - ANS-protection against damages to your car from causes other than
collision or rolling over
Contract Against Public Policy is not enforceable due to what part of contract - ANS-legal
purpose
determining an adequate indemnification after a loss is a duty of - ANS-The insured's insurance
company.
Doctrine of Reasonable Expectations - ANS-States: that a policy includes coverages that an
average person would reasonably expect it to include, regardless of what the policy actually
provides.
Excess Line carriers - ANS-Non-admitted/unlicensed carrier who is held to different regulations
than other carriers.
A property damage liability policy would offer protection for - ANS-Damages done to a gas
station due to insured's parking collision.
A women slips and falls on icy steps and breaks her leg. What may be a peril in this situation ? -
ANS-The fall
An employer sends employee out of state on work related basis, what does employer need to
do to ensure the appropriate workers comp coverage - ANS-List the state on the information
page for "other states coverage"
An insured is found legally liable for the loss of another and is ordered to pay general damages -
ANS-Damages compensate for pain and suffering.
An insured's attempt to mitigate risk ? - ANS-Reduction
bail bond - ANS-A document guaranteeing the appearance of a defendant in court as required
and recording the pledge of money or property to be paid to the court if he or she does not
appear, which is signed by the person to be released and anyone else acting on his or her
behalf.
burglary - ANS-entering a building unlawfully with intent to commit a felony or to steal valuable
property
Business liability exposure type of a slip and fall - ANS-Premises and operations
comprehensive coverage - ANS-protection against damages to your car from causes other than
collision or rolling over
Contract Against Public Policy is not enforceable due to what part of contract - ANS-legal
purpose
determining an adequate indemnification after a loss is a duty of - ANS-The insured's insurance
company.
Doctrine of Reasonable Expectations - ANS-States: that a policy includes coverages that an
average person would reasonably expect it to include, regardless of what the policy actually
provides.
Excess Line carriers - ANS-Non-admitted/unlicensed carrier who is held to different regulations
than other carriers.
