Connecticut (Ct) Malpractice Insurance
Exam 2026–2027 | Comprehensive
Question Practice Test with Answers &
Rationales| Free Pdf Access
1. What is the primary purpose of malpractice insurance?
A. Protect professionals against claims of negligence or errors in
service
B. Cover property damage
C. Provide life insurance
D. Cover automobile accidents
Correct Answer: A
Rationale: Malpractice insurance protects professionals from
financial loss due to negligence or mistakes in their professional
services.
2. Which professionals commonly purchase malpractice
insurance?
A. Doctors, lawyers, and accountants
B. Retail store employees
C. Construction laborers
D. Farmers
,Correct Answer: A
Rationale: Professionals whose work involves advice, care, or
service to clients are at risk for claims of negligence.
3. Which type of malpractice insurance covers claims made
during the policy period, regardless of when the incident
occurred?
A. Claims-made policy
B. Occurrence policy
C. Property insurance
D. Liability insurance
Correct Answer: B
Rationale: Occurrence policies cover incidents that occur during
the policy period, even if the claim is made later.
4. Claims-made policies require what for coverage?
A. The claim must be made during the policy period
B. The incident must occur outside the policy period
C. Only fire damage is covered
D. Liability coverage is not needed
Correct Answer: A
Rationale: Claims-made policies only respond if the claim is
reported while the policy is active.
5. Tail coverage is used to:
,A. Extend reporting period after a claims-made policy ends
B. Cover property damage
C. Replace life insurance
D. Cover natural disasters
Correct Answer: A
Rationale: Tail coverage allows professionals to report claims after
the policy expires.
6. Which of the following is typically excluded from malpractice
insurance?
A. Intentional acts or criminal conduct
B. Negligent professional acts
C. Errors in service
D. Mistakes in judgment
Correct Answer: A
Rationale: Intentional acts or illegal actions are not covered under
standard malpractice policies.
7. Professional liability insurance is another name for:
A. Malpractice insurance
B. Property insurance
C. Automobile insurance
D. Life insurance
, Correct Answer: A
Rationale: Malpractice insurance is also called professional liability
insurance.
8. In medical malpractice, which of the following claims would be
covered?
A. Misdiagnosis of a patient
B. Property theft
C. Fire in the clinic
D. Employee injury
Correct Answer: A
Rationale: Errors in professional judgment, such as misdiagnosis,
are the type of claims covered.
9. Which type of coverage protects attorneys from errors in legal
advice?
A. Legal malpractice insurance
B. Homeowners insurance
C. Health insurance
D. Automobile liability
Correct Answer: A
Rationale: Attorneys purchase malpractice insurance to cover
claims from errors in professional advice.
10. Deductibles in malpractice insurance refer to:
Exam 2026–2027 | Comprehensive
Question Practice Test with Answers &
Rationales| Free Pdf Access
1. What is the primary purpose of malpractice insurance?
A. Protect professionals against claims of negligence or errors in
service
B. Cover property damage
C. Provide life insurance
D. Cover automobile accidents
Correct Answer: A
Rationale: Malpractice insurance protects professionals from
financial loss due to negligence or mistakes in their professional
services.
2. Which professionals commonly purchase malpractice
insurance?
A. Doctors, lawyers, and accountants
B. Retail store employees
C. Construction laborers
D. Farmers
,Correct Answer: A
Rationale: Professionals whose work involves advice, care, or
service to clients are at risk for claims of negligence.
3. Which type of malpractice insurance covers claims made
during the policy period, regardless of when the incident
occurred?
A. Claims-made policy
B. Occurrence policy
C. Property insurance
D. Liability insurance
Correct Answer: B
Rationale: Occurrence policies cover incidents that occur during
the policy period, even if the claim is made later.
4. Claims-made policies require what for coverage?
A. The claim must be made during the policy period
B. The incident must occur outside the policy period
C. Only fire damage is covered
D. Liability coverage is not needed
Correct Answer: A
Rationale: Claims-made policies only respond if the claim is
reported while the policy is active.
5. Tail coverage is used to:
,A. Extend reporting period after a claims-made policy ends
B. Cover property damage
C. Replace life insurance
D. Cover natural disasters
Correct Answer: A
Rationale: Tail coverage allows professionals to report claims after
the policy expires.
6. Which of the following is typically excluded from malpractice
insurance?
A. Intentional acts or criminal conduct
B. Negligent professional acts
C. Errors in service
D. Mistakes in judgment
Correct Answer: A
Rationale: Intentional acts or illegal actions are not covered under
standard malpractice policies.
7. Professional liability insurance is another name for:
A. Malpractice insurance
B. Property insurance
C. Automobile insurance
D. Life insurance
, Correct Answer: A
Rationale: Malpractice insurance is also called professional liability
insurance.
8. In medical malpractice, which of the following claims would be
covered?
A. Misdiagnosis of a patient
B. Property theft
C. Fire in the clinic
D. Employee injury
Correct Answer: A
Rationale: Errors in professional judgment, such as misdiagnosis,
are the type of claims covered.
9. Which type of coverage protects attorneys from errors in legal
advice?
A. Legal malpractice insurance
B. Homeowners insurance
C. Health insurance
D. Automobile liability
Correct Answer: A
Rationale: Attorneys purchase malpractice insurance to cover
claims from errors in professional advice.
10. Deductibles in malpractice insurance refer to:
