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PROPERTY & CASUALTY QUESTIONS
GA EXAM 2025 | CERTIFIED Q&A
Which of the following auto coverages insures only the policyholder's legal
liability?
A. Bodily injury/property damage
B. Comprehensive
C. Uninsured motorist
D. Collision - correct-answer-A. Bodily injury/property damage
Which of the following statements are true about the standard mortgagee clause
is TRUE?
A. nothing the insured does can prevent the mortgagee from collecting under the
policy .
B. The mortgagee has no right under the policy.
C. The mortgage is the only party that can submit claims under the policy
D. The mortgagee can only collect from the policy with prior written consent of
the policyholder. - correct-answer-A. nothing the insured does can prevent the
mortgagee from collecting under the policy .
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An insurance policy that contains unclear language will be?
A. interpreted against the party who wrote the contract
B. interpreted by the party who wrote the contract
C. interpreted against the insured who accepted the policy
D. rewritten by the ins department - correct-answer-A. interpreted against the
party who wrote the contract
All of the following risk exposures are covered by the liability sections of the BOP
EXCEPT ?
A. employers' liability
B. adverting injury
C. product liability
D. premises liability - correct-answer-A. employers' liability
which of the following HO coverages does NOT generally contain a deductible?
A. personal liability
B. other structures
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C. Liability
D. Dwelling - correct-answer-C. Liability
All of the following perils are covered under a Building and Business Personal
Property Coverage Form with a Cause of Loss Form attached EXCEPT
A. smoke
B. sinkhole collapse
C earth movement
D. sprinkler leakage - correct-answer-C earth movement
Which of the following statements about a mortgagee's rights under the Dwelling
property Basic form (DP-1) is INCORRECT?
A. the mortgagee may file a Proof of Loss if the insured fails to do so.
B. No act by the insured will jeopardize the mortgagee's rights
C. The mortgagee is entitled to receive prior notice of a policy's cancellation
D. The may abandon the insured property to the insurer - correct-answer-D. The
may abandon the insured property to the insurer
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The National Flood Ins. Program provides coverage for losses caused by all of the
following occurrence EXCEPT:
A. Mudslides
B. Runoff from heavy rain
C. overflow of tidal waters
D. Water-main breakage - correct-answer-D. Water-main breakage
G insures G's TV repairs shop under the Building and Personal Property Coverage
form with limits of $100,000 on the building and $50,000 on business personal
property. A fire causes $10,000 in damage to the building and $20,000 in loss to
the contents. G also has to pay $1,000for debris removal If the policy has a
deductible of $250, G will receive a MAX of which of the following amts from the
insurer?
A. $29,750
B. $30,000
C. $31,000
D.$30,750 - correct-answer-D.$30,750
primary obligation of an insurer is to;
A. pay the claims covered under the policy
PROPERTY & CASUALTY QUESTIONS
GA EXAM 2025 | CERTIFIED Q&A
Which of the following auto coverages insures only the policyholder's legal
liability?
A. Bodily injury/property damage
B. Comprehensive
C. Uninsured motorist
D. Collision - correct-answer-A. Bodily injury/property damage
Which of the following statements are true about the standard mortgagee clause
is TRUE?
A. nothing the insured does can prevent the mortgagee from collecting under the
policy .
B. The mortgagee has no right under the policy.
C. The mortgage is the only party that can submit claims under the policy
D. The mortgagee can only collect from the policy with prior written consent of
the policyholder. - correct-answer-A. nothing the insured does can prevent the
mortgagee from collecting under the policy .
,2|Page
An insurance policy that contains unclear language will be?
A. interpreted against the party who wrote the contract
B. interpreted by the party who wrote the contract
C. interpreted against the insured who accepted the policy
D. rewritten by the ins department - correct-answer-A. interpreted against the
party who wrote the contract
All of the following risk exposures are covered by the liability sections of the BOP
EXCEPT ?
A. employers' liability
B. adverting injury
C. product liability
D. premises liability - correct-answer-A. employers' liability
which of the following HO coverages does NOT generally contain a deductible?
A. personal liability
B. other structures
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C. Liability
D. Dwelling - correct-answer-C. Liability
All of the following perils are covered under a Building and Business Personal
Property Coverage Form with a Cause of Loss Form attached EXCEPT
A. smoke
B. sinkhole collapse
C earth movement
D. sprinkler leakage - correct-answer-C earth movement
Which of the following statements about a mortgagee's rights under the Dwelling
property Basic form (DP-1) is INCORRECT?
A. the mortgagee may file a Proof of Loss if the insured fails to do so.
B. No act by the insured will jeopardize the mortgagee's rights
C. The mortgagee is entitled to receive prior notice of a policy's cancellation
D. The may abandon the insured property to the insurer - correct-answer-D. The
may abandon the insured property to the insurer
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The National Flood Ins. Program provides coverage for losses caused by all of the
following occurrence EXCEPT:
A. Mudslides
B. Runoff from heavy rain
C. overflow of tidal waters
D. Water-main breakage - correct-answer-D. Water-main breakage
G insures G's TV repairs shop under the Building and Personal Property Coverage
form with limits of $100,000 on the building and $50,000 on business personal
property. A fire causes $10,000 in damage to the building and $20,000 in loss to
the contents. G also has to pay $1,000for debris removal If the policy has a
deductible of $250, G will receive a MAX of which of the following amts from the
insurer?
A. $29,750
B. $30,000
C. $31,000
D.$30,750 - correct-answer-D.$30,750
primary obligation of an insurer is to;
A. pay the claims covered under the policy
