LOUISIANA P/C LICENSING EXAM QUESTIONS
WITH CORRECT ANSWERS 2025
WhenAanAemployerAsendsAemployeesAoutAofAstateAonAworkArelatedAbusiness,AwhichAofAtheAfollowingAmust
AheAdoAtoAensureAtheAappropriateAworkers?AcompensationAcoverage?A-ACORRECTAANSWERA-
ListAtheAstateAonAtheAinformationApageAforAotherAstates'Acoverage.
UnderAtheAinsured'sApersonalAautoApolicy,AwhichAofAtheAfollowingAisACORRECTAforAaAnewlyAacquiredAcarAto
AbeAcoveredApriorAtoAreportingAitAtoAtheAinsuranceAcompany?A-ACORRECTAANSWERA-
AllAcoverageAextendsAifAtheAinsuredAreportsAtheAcarAwithinA14Adays.
WhenAanAinsuredAisAdrivingAhisAcoveredAautomobileAcausesAanAaccidentAthatAresultsAinAinjury,AhisAautomo
bileAmedicalApaymentsAwillApayAmedicalAexpensesAforAallAofAtheAfollowingAEXCEPT...A-ACORRECTAANSWERA-
AnyAoccupantAofAtheAotherAnotAatAfaultAvehicle.
WhichAofAtheAfollowingAbestAdescribesAtheACGL'sAgeneralAaggregateAannualAlimitAasAitAappliesAtoAtheAcover
ageApartsAofAtheACGL?A-ACORRECTAANSWERA-
CoverageAA,AB,AandACAapplyAinAsumAandAareAtheAmostAthatAwillAbeApaidAsubjectAtoAtheAgenerateAaggregateA
annualAlimit.
AllAofAtheAfollowingAareAexcludedAlossesAunderAPartAD-
ADamageAtoAanAautoAofAtheApersonalAautoApolicyAEXCEPT....A-ACORRECTAANSWERA-
ToAcaps,Acovers,AorAbedlinersAonApickupAtrucks
AnAinjuredAemployeeAcoveredAunderAworkers'AcompensationAisAentitledAtoAreasonablyAjustifiableAexpense
sAforAretraining.AThisAbenefitAfallsAunderAwhichAofAtheAfollowing?A-ACORRECTAANSWERA-
VocationalArehabilitation
WhichAofAtheAfollowingAisAcorrectAforAamountsApaidAasAsupplementaryApaymentsAcoveredAinAtheApersonalA
autoApolicyAPartAAAliability?A-ACORRECTAANSWERA-TheyAdoAnotAreduceAtheApolicyAlimit.
ExclusionsAcommonAtoAliabilityAcoverageAforAbothAtheApersonalAautoApolicyAandAtheAbusinessAautoApolicyAi
ncludeAallAofAtheAfollowingAEXCEPT...A-ACORRECTAANSWERA-
ForAliabilityAarisingAwhileAtheAinsuredAautoAisAbeingAusedAinAanAautoAbusiness.
, TheAinsuredAcarriesAuninsuredAmotoristAcoverageAlimitsAofA100/300/100AandAisAstruckAbyAanAuninsuredAm
otorist,AwhoAwillApayAinsured'sAbodilyAinjuryAdamagesAclaimedAforA$100,000?A-ACORRECTAANSWERA-
TheAinsured'sAinsuranceAcompany
TheAclaims-
madeAliabilityAformAprovidesAcoverageAfromAaAdateAthatAprecedesAtheApolicyAeffectiveAdate.AWhichAofAtheA
followingAdefinesAtheAdate?A-ACORRECTAANSWERA-RetroactiveAdate
LiabilityAarisingAoutAofAanuAofAtheAfollowingAisAexcludedAfromAtheApersonalAandAadvertisingAinjuryAliabilityA
coverageAEXCEPT...A-ACORRECTAANSWERA-UnknowinglyAinflictingAinjuryAthatAviolatesAtheArightsAofAanother.
AllAofAtheAfollowingAareAmethodsAofAlimitingAliabilityAEXCEPT...A-ACORRECTAANSWERA-CollectiveAlimit
WhichAofAtheAfollowingAwouldAbeAeligibleAtoAcollectAsurvivorAandAdeathAbenefitsAfromAworker'sAcompensa
tionAinAtheAeventAofAtheAcoveredAinjuryAresultingAinAtheAdeathAofAanAemployee?A-ACORRECTAANSWERA-
SpouseAofAemployee
AllAofAtheAfollowingAareAcommonAexclusionsAinAaAliabilityApolicyAEXCEPT...A-ACORRECTAANSWERA-
DamageAcausedAbyAactsAofAcivilAdisobedienceAandAriots.
WhichAofAtheAfollowingAprofessionalsAwouldApurchaseAErrorsAandAOmissionsAinsuranceAtoAmanageAtheAlia
bilityAriskAassociatedAwithAtheirAbusinessAendeavors?A-ACORRECTAANSWERA-Attorney
WhichAofAtheAfollowingAisAtheApartyAwhoAagreesAtoAbeAresponsibleAforAlossAinAtheAcaseAofAaAfidelityAbond?A
-ACORRECTAANSWERA-TheAsurety
ForACGLAcoveragesAofAbodilyAinjury,ApropertyAdamageAandAmedicalApayments,AwhichAofAtheAfollowingAlimi
tsAofAinsuranceAapplyAifAtheAaggregateAlimitAisANOTAmet?A-ACORRECTAANSWERA-PerAoccurrence
WhichAofAtheAfollowingAbusinessAliabilityAexposuresAdoesAaAslipAandAfallAlossAfallAunder?A-
ACORRECTAANSWERA-PremisesAandAoperations
WITH CORRECT ANSWERS 2025
WhenAanAemployerAsendsAemployeesAoutAofAstateAonAworkArelatedAbusiness,AwhichAofAtheAfollowingAmust
AheAdoAtoAensureAtheAappropriateAworkers?AcompensationAcoverage?A-ACORRECTAANSWERA-
ListAtheAstateAonAtheAinformationApageAforAotherAstates'Acoverage.
UnderAtheAinsured'sApersonalAautoApolicy,AwhichAofAtheAfollowingAisACORRECTAforAaAnewlyAacquiredAcarAto
AbeAcoveredApriorAtoAreportingAitAtoAtheAinsuranceAcompany?A-ACORRECTAANSWERA-
AllAcoverageAextendsAifAtheAinsuredAreportsAtheAcarAwithinA14Adays.
WhenAanAinsuredAisAdrivingAhisAcoveredAautomobileAcausesAanAaccidentAthatAresultsAinAinjury,AhisAautomo
bileAmedicalApaymentsAwillApayAmedicalAexpensesAforAallAofAtheAfollowingAEXCEPT...A-ACORRECTAANSWERA-
AnyAoccupantAofAtheAotherAnotAatAfaultAvehicle.
WhichAofAtheAfollowingAbestAdescribesAtheACGL'sAgeneralAaggregateAannualAlimitAasAitAappliesAtoAtheAcover
ageApartsAofAtheACGL?A-ACORRECTAANSWERA-
CoverageAA,AB,AandACAapplyAinAsumAandAareAtheAmostAthatAwillAbeApaidAsubjectAtoAtheAgenerateAaggregateA
annualAlimit.
AllAofAtheAfollowingAareAexcludedAlossesAunderAPartAD-
ADamageAtoAanAautoAofAtheApersonalAautoApolicyAEXCEPT....A-ACORRECTAANSWERA-
ToAcaps,Acovers,AorAbedlinersAonApickupAtrucks
AnAinjuredAemployeeAcoveredAunderAworkers'AcompensationAisAentitledAtoAreasonablyAjustifiableAexpense
sAforAretraining.AThisAbenefitAfallsAunderAwhichAofAtheAfollowing?A-ACORRECTAANSWERA-
VocationalArehabilitation
WhichAofAtheAfollowingAisAcorrectAforAamountsApaidAasAsupplementaryApaymentsAcoveredAinAtheApersonalA
autoApolicyAPartAAAliability?A-ACORRECTAANSWERA-TheyAdoAnotAreduceAtheApolicyAlimit.
ExclusionsAcommonAtoAliabilityAcoverageAforAbothAtheApersonalAautoApolicyAandAtheAbusinessAautoApolicyAi
ncludeAallAofAtheAfollowingAEXCEPT...A-ACORRECTAANSWERA-
ForAliabilityAarisingAwhileAtheAinsuredAautoAisAbeingAusedAinAanAautoAbusiness.
, TheAinsuredAcarriesAuninsuredAmotoristAcoverageAlimitsAofA100/300/100AandAisAstruckAbyAanAuninsuredAm
otorist,AwhoAwillApayAinsured'sAbodilyAinjuryAdamagesAclaimedAforA$100,000?A-ACORRECTAANSWERA-
TheAinsured'sAinsuranceAcompany
TheAclaims-
madeAliabilityAformAprovidesAcoverageAfromAaAdateAthatAprecedesAtheApolicyAeffectiveAdate.AWhichAofAtheA
followingAdefinesAtheAdate?A-ACORRECTAANSWERA-RetroactiveAdate
LiabilityAarisingAoutAofAanuAofAtheAfollowingAisAexcludedAfromAtheApersonalAandAadvertisingAinjuryAliabilityA
coverageAEXCEPT...A-ACORRECTAANSWERA-UnknowinglyAinflictingAinjuryAthatAviolatesAtheArightsAofAanother.
AllAofAtheAfollowingAareAmethodsAofAlimitingAliabilityAEXCEPT...A-ACORRECTAANSWERA-CollectiveAlimit
WhichAofAtheAfollowingAwouldAbeAeligibleAtoAcollectAsurvivorAandAdeathAbenefitsAfromAworker'sAcompensa
tionAinAtheAeventAofAtheAcoveredAinjuryAresultingAinAtheAdeathAofAanAemployee?A-ACORRECTAANSWERA-
SpouseAofAemployee
AllAofAtheAfollowingAareAcommonAexclusionsAinAaAliabilityApolicyAEXCEPT...A-ACORRECTAANSWERA-
DamageAcausedAbyAactsAofAcivilAdisobedienceAandAriots.
WhichAofAtheAfollowingAprofessionalsAwouldApurchaseAErrorsAandAOmissionsAinsuranceAtoAmanageAtheAlia
bilityAriskAassociatedAwithAtheirAbusinessAendeavors?A-ACORRECTAANSWERA-Attorney
WhichAofAtheAfollowingAisAtheApartyAwhoAagreesAtoAbeAresponsibleAforAlossAinAtheAcaseAofAaAfidelityAbond?A
-ACORRECTAANSWERA-TheAsurety
ForACGLAcoveragesAofAbodilyAinjury,ApropertyAdamageAandAmedicalApayments,AwhichAofAtheAfollowingAlimi
tsAofAinsuranceAapplyAifAtheAaggregateAlimitAisANOTAmet?A-ACORRECTAANSWERA-PerAoccurrence
WhichAofAtheAfollowingAbusinessAliabilityAexposuresAdoesAaAslipAandAfallAlossAfallAunder?A-
ACORRECTAANSWERA-PremisesAandAoperations