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TEXAS PROPERTY AND CASUALTY INSURANCE
EXAM LATEST 2026 ACTUAL VERIFIED EXAM WITH
COMPLETE QUESTIONS AND CORRECT DETAILED
ANSWERS (100% VERIFIED ANSWERS) |ALREADY
GRADED A+| ||NEWEST EXAM!!!||
Under the commercial property broad form, which of the
following losses or damages would NOT be covered? -
Answer-Earth movement
The insured has an auto policy with liability limits of
$30,000/$60,000/$10,000. He negligently runs off the road
and causes $70,000 damage to an apartment building.
How much will the policy pay? - Answer-$10,000
Which of the following statements regarding workers'
compensation laws is CORRECT? - Answer-Benefits are
paid to workers injured on the job regardless of who is at
fault.
What is the purpose of Part One of a workers'
compensation policy? - Answer-Pay for benefits that are
required by state workers' compensation laws
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What is the purpose of the ordinance or law coverage? -
Answer-This additional coverage provides an additional
amount of insurance for the increased costs of repair due
to zoning laws.
Which of the following would be considered special
damages? - Answer-Medical expenses
What topic is generally included in the total number of
continuing education hours required as a condition of
license renewal? - Answer-Ethics
What is the basic difference between the dwelling DP-2
and DP-3? - Answer-The DP-3 provides open peril
coverage on the dwelling and other structures.
All of the following are excluded from the liability portion of
commercial auto coverage EXCEPT - Answer-all defense
costs incurred by the insurer
An insurance broker has contacted an insurance agent in
attempt to place a large homeowners policy. When an
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insurance broker is involved, who does the agent legally
represent? - Answer-Insurer
Which is a characteristic of the businessowners policy
(BOP)? - Answer-It includes property and liability
coverages, similar to a commercial package policy.
Which part of an insurance policy describes the covered
perils or risks assumed by the insurer? - Answer-Insuring
agreement
Which of the following was NOT a common law defense
available to employers? - Answer-Doctrine of adhesion
The method used to determine the value of a loss, should
the adjuster and the insured disagree, is called the -
Answer-arbitration method
An insured rents a car while on vacation in Canada and
causes an accident. Is there coverage under the personal
auto policy? - Answer-The loss is covered under an
unendorsed personal auto policy.
TEXAS PROPERTY AND CASUALTY INSURANCE
EXAM LATEST 2026 ACTUAL VERIFIED EXAM WITH
COMPLETE QUESTIONS AND CORRECT DETAILED
ANSWERS (100% VERIFIED ANSWERS) |ALREADY
GRADED A+| ||NEWEST EXAM!!!||
Under the commercial property broad form, which of the
following losses or damages would NOT be covered? -
Answer-Earth movement
The insured has an auto policy with liability limits of
$30,000/$60,000/$10,000. He negligently runs off the road
and causes $70,000 damage to an apartment building.
How much will the policy pay? - Answer-$10,000
Which of the following statements regarding workers'
compensation laws is CORRECT? - Answer-Benefits are
paid to workers injured on the job regardless of who is at
fault.
What is the purpose of Part One of a workers'
compensation policy? - Answer-Pay for benefits that are
required by state workers' compensation laws
,2|Page
What is the purpose of the ordinance or law coverage? -
Answer-This additional coverage provides an additional
amount of insurance for the increased costs of repair due
to zoning laws.
Which of the following would be considered special
damages? - Answer-Medical expenses
What topic is generally included in the total number of
continuing education hours required as a condition of
license renewal? - Answer-Ethics
What is the basic difference between the dwelling DP-2
and DP-3? - Answer-The DP-3 provides open peril
coverage on the dwelling and other structures.
All of the following are excluded from the liability portion of
commercial auto coverage EXCEPT - Answer-all defense
costs incurred by the insurer
An insurance broker has contacted an insurance agent in
attempt to place a large homeowners policy. When an
, 3|Page
insurance broker is involved, who does the agent legally
represent? - Answer-Insurer
Which is a characteristic of the businessowners policy
(BOP)? - Answer-It includes property and liability
coverages, similar to a commercial package policy.
Which part of an insurance policy describes the covered
perils or risks assumed by the insurer? - Answer-Insuring
agreement
Which of the following was NOT a common law defense
available to employers? - Answer-Doctrine of adhesion
The method used to determine the value of a loss, should
the adjuster and the insured disagree, is called the -
Answer-arbitration method
An insured rents a car while on vacation in Canada and
causes an accident. Is there coverage under the personal
auto policy? - Answer-The loss is covered under an
unendorsed personal auto policy.
