PA PROPERTY & CASUALITY
INSURANCE EXAM (A) QUESTIONS
AND CORRECT SOLUTIONS
2025/2026 GRADED A + .
1/5
, 1. In a commercial general liability policy medical payment pay for medical expenses: Without regard to fault
2. Which type of insurance protection guarantees protection against legal lia- bility from any risk arising from the
ownership, maintenance, or use: Professional liability
3. In PA, what is the minimum amount required for damages for liability to cover motor vehicles accidents?: 15K,
30K, 5K
4. Under an equipment breakdown coverage form, a breakdown would include-
: Explosion of a pressure vessel
5. Which of the following benefits are not paid under workers comp laws: Pain and suttering
6. What is the effect on a personal automobile policy in PA, if an insured switches from a $250 deductible for a $500
deductible: The physical damage premium is reduced
7. Which of the following is covered under the builders risk form: A contactors tools
8. The coverage that covers beyond the expiration of a liability policy written on a claims made basis is referred to as:
Extended reporting periods
9. The main purpose of the Nationwide Maritime Definition is to: Define the categories of risk for which underwriters can write coverages
10. Which is not an exclusion from a commercial automobile insurance policy: -
Operating a covered vehicle of a speed deemed reckless by authorities
11. Which is covered by the outside the premise's crime insuring agreement: Se- curities in the possession of an armored car service
12. In a homogenous policy which of the following would not be contained in the conditions section of the policy:
The amount of the premium
13. In the workers compensation policy part 2 provides the employer for: Employee liability
14. An insurance contract is a contract of utmost good faith because the insurer relies on the truthfulness of the
applicant and the insured relies on the promise to: Issue a policy
15. Under a dwelling policy, which coverage part insures buildings on the premises that are connected to
2/5
INSURANCE EXAM (A) QUESTIONS
AND CORRECT SOLUTIONS
2025/2026 GRADED A + .
1/5
, 1. In a commercial general liability policy medical payment pay for medical expenses: Without regard to fault
2. Which type of insurance protection guarantees protection against legal lia- bility from any risk arising from the
ownership, maintenance, or use: Professional liability
3. In PA, what is the minimum amount required for damages for liability to cover motor vehicles accidents?: 15K,
30K, 5K
4. Under an equipment breakdown coverage form, a breakdown would include-
: Explosion of a pressure vessel
5. Which of the following benefits are not paid under workers comp laws: Pain and suttering
6. What is the effect on a personal automobile policy in PA, if an insured switches from a $250 deductible for a $500
deductible: The physical damage premium is reduced
7. Which of the following is covered under the builders risk form: A contactors tools
8. The coverage that covers beyond the expiration of a liability policy written on a claims made basis is referred to as:
Extended reporting periods
9. The main purpose of the Nationwide Maritime Definition is to: Define the categories of risk for which underwriters can write coverages
10. Which is not an exclusion from a commercial automobile insurance policy: -
Operating a covered vehicle of a speed deemed reckless by authorities
11. Which is covered by the outside the premise's crime insuring agreement: Se- curities in the possession of an armored car service
12. In a homogenous policy which of the following would not be contained in the conditions section of the policy:
The amount of the premium
13. In the workers compensation policy part 2 provides the employer for: Employee liability
14. An insurance contract is a contract of utmost good faith because the insurer relies on the truthfulness of the
applicant and the insured relies on the promise to: Issue a policy
15. Under a dwelling policy, which coverage part insures buildings on the premises that are connected to
2/5
