Missouri P&C License Exam Correct 100%

Which of the following liability exposures is most likely for a small specialty clothing retail boutique? A Completed operations liability exposure B Premises liability exposure C Operations liability exposure D Product liability exposure - ANSWERPremises liability exposure Under the coverage of which of the following liability policies may an insured require the insurer to defend a claim? A Personal liability B Professional liability C Auto liability D General liability - ANSWERProfessional liability Which of the following IS considered a work-related injury/occupational disease under Workers Compensation law? A Mike works for Ace Construction Company. He is walking through the job site without a hard hat and is struck on the head by a falling brick. B Tom works as a painter in an auto body shop. The chemicals from the paint aggravate Tom's asthma to the point that he must be hospitalized for several days. C Greg is injured in a car accident while driving to work at 7:45 one morning. D Mary falls down a flight of stairs at her office building; at the hospital, it is discovered that she is intoxicated. - ANSWERB Tom works as a painter in an auto body shop. The chemicals from the paint aggravate Tom's asthma to the point that he must be hospitalized for several days In the event of a claim under a commercial general liability policy, the insured has all of the following duties to the insurer EXCEPT A Furnishing the insurer with copies of any demands, notices, or other legal papers received in connection with a claim or suit. B Assisting the insurer upon request in the enforcement of any right against any person or organization that may be liable to the insured. C Submitting to a medical exam when requested. D Providing prompt written notice of any claim or suit actually filed against the insured. - ANSWERC Submitting to a medical exam when requested. 4: A claim is considered to have been made A When notice is received by any insured. B When notice is received and recorded by the insurer. C When notice is received and recorded by any insured or the insurer, whichever comes first. D When received in writing or telephonically by the insurer. - ANSWERWhen notice is received and recorded by any insured or the insurer, whichever comes first.