©THEBRIGHT 2024/2025 ALL RIGHTS RESERVED 10:15AM A+
P&C License Exam - Practice Test Questions
And Answers |Latest 2025 | Guaranteed Pass.
Who would be able to collect survivor and death benefits from WC in the event the covered
injury resulting in the death of an employee? - Answer✔Spouse of Employee
Which type of crime best describes someone who waits until store personnel are preoccupied
and pockets merchandise while no one is looking and leaves without detection -
Answer✔Robbery
Not a common exclusion in a liability policy - Answer✔damage caused by acts of civil
disobedience and riots
The party who agrees to be responsible for loss in the case of a fidelity bond? - Answer✔The
Surety
An insured has transportation expenses coverage under part D of the personal auto policy
when involved in a collision. Coverage provides which of the following? - Answer✔Rental
Reimbursement until claim is settled by insurance
An insured operates an auto repair shop and has a garage coverage form with garagekeepers
insurance when an employee on a test drive with a customer's car is involved in a crash. How
will the customer's car be covered by the insured's policy? - Answer✔The customer's car is
covered for any physical damage while in custody of the insured
For the purpose of worker's compensation insurance who would not be subject to worker's
compensation laws, either as an employer or an employee? - Answer✔A Crew member of an
ocean going vessel
Is bodily injury to an insured's nonresident family member or relative an exclusion found under
the personal auto policy Part A liability coverage? - Answer✔No
Does An auto not titled to an insured but available for regular use of named insured or family
member describe a non owned auto under the commercial auto policy symbol 9? - Answer✔No
1
, ©THEBRIGHT 2024/2025 ALL RIGHTS RESERVED 10:15AM A+
What best describes the CGL's general aggregate limit as it applies to the coverage parts of the
CGL? - Answer✔Coverage A, B, and C apply in sum and are the most that will be paid subject to
the general aggregate limit
Does Worker's Compensation benefits for loss of wages include replacement of a portion of lost
wages? - Answer✔Yes
An extended reporting period attached to a general liability policy provides coverage in which
of the following ways? - Answer✔It provides coverage for claims made outside the policy term
Under the dwelling policy conditions, how would the insurance company settle a loss? -
Answer✔Company has the option to repair to pre-loss condition
Is carpeting that is permanently installed inside the building included in the property coverage
of a BOP? - Answer✔Yes
Are outdoor signs that are not attached to the building included in the property coverage of a
BOP? - Answer✔No
Would carpet cleaning after a water main break trigger coverage under business income form
with extra expense coverage? - Answer✔Yes
Would Employee Pay after a building structure is damaged trigger coverage under business
income form with extra expense coverage? - Answer✔No
Does a DP-2 policy cover damage to awnings from weight of snow? - Answer✔No
Does a DP-2 policy cover accidental discharge of steam from a plumbing system? - Answer✔Yes
T/F - Homeowner's Special Form (HO-3) covers Structures other than the dwelling, but
Homeowner's Broad Form (HO-2) does not. - Answer✔True
T/F - Homeowner's Special Form (HO-3) covers Broken Glass, but Homeowner's Broad Form
(HO-2) does not. - Answer✔False
What exposure is unique to Mobile homes? - Answer✔Loss from Collision Damage
Is loss from collapse of awnings a unique exposure to mobile homes? - Answer✔No
When does Coverage begin on a Builder's Risk form? - Answer✔On the date construction starts
above the lowest basement floor, if there is a basement
Is lightning Strike excluded from the DP-1 basic policy form? - Answer✔No
Is power interruption excluded from the DP-1 basic policy form? - Answer✔Yes
Which of the following would be covered by a commercial package policy?
2
P&C License Exam - Practice Test Questions
And Answers |Latest 2025 | Guaranteed Pass.
Who would be able to collect survivor and death benefits from WC in the event the covered
injury resulting in the death of an employee? - Answer✔Spouse of Employee
Which type of crime best describes someone who waits until store personnel are preoccupied
and pockets merchandise while no one is looking and leaves without detection -
Answer✔Robbery
Not a common exclusion in a liability policy - Answer✔damage caused by acts of civil
disobedience and riots
The party who agrees to be responsible for loss in the case of a fidelity bond? - Answer✔The
Surety
An insured has transportation expenses coverage under part D of the personal auto policy
when involved in a collision. Coverage provides which of the following? - Answer✔Rental
Reimbursement until claim is settled by insurance
An insured operates an auto repair shop and has a garage coverage form with garagekeepers
insurance when an employee on a test drive with a customer's car is involved in a crash. How
will the customer's car be covered by the insured's policy? - Answer✔The customer's car is
covered for any physical damage while in custody of the insured
For the purpose of worker's compensation insurance who would not be subject to worker's
compensation laws, either as an employer or an employee? - Answer✔A Crew member of an
ocean going vessel
Is bodily injury to an insured's nonresident family member or relative an exclusion found under
the personal auto policy Part A liability coverage? - Answer✔No
Does An auto not titled to an insured but available for regular use of named insured or family
member describe a non owned auto under the commercial auto policy symbol 9? - Answer✔No
1
, ©THEBRIGHT 2024/2025 ALL RIGHTS RESERVED 10:15AM A+
What best describes the CGL's general aggregate limit as it applies to the coverage parts of the
CGL? - Answer✔Coverage A, B, and C apply in sum and are the most that will be paid subject to
the general aggregate limit
Does Worker's Compensation benefits for loss of wages include replacement of a portion of lost
wages? - Answer✔Yes
An extended reporting period attached to a general liability policy provides coverage in which
of the following ways? - Answer✔It provides coverage for claims made outside the policy term
Under the dwelling policy conditions, how would the insurance company settle a loss? -
Answer✔Company has the option to repair to pre-loss condition
Is carpeting that is permanently installed inside the building included in the property coverage
of a BOP? - Answer✔Yes
Are outdoor signs that are not attached to the building included in the property coverage of a
BOP? - Answer✔No
Would carpet cleaning after a water main break trigger coverage under business income form
with extra expense coverage? - Answer✔Yes
Would Employee Pay after a building structure is damaged trigger coverage under business
income form with extra expense coverage? - Answer✔No
Does a DP-2 policy cover damage to awnings from weight of snow? - Answer✔No
Does a DP-2 policy cover accidental discharge of steam from a plumbing system? - Answer✔Yes
T/F - Homeowner's Special Form (HO-3) covers Structures other than the dwelling, but
Homeowner's Broad Form (HO-2) does not. - Answer✔True
T/F - Homeowner's Special Form (HO-3) covers Broken Glass, but Homeowner's Broad Form
(HO-2) does not. - Answer✔False
What exposure is unique to Mobile homes? - Answer✔Loss from Collision Damage
Is loss from collapse of awnings a unique exposure to mobile homes? - Answer✔No
When does Coverage begin on a Builder's Risk form? - Answer✔On the date construction starts
above the lowest basement floor, if there is a basement
Is lightning Strike excluded from the DP-1 basic policy form? - Answer✔No
Is power interruption excluded from the DP-1 basic policy form? - Answer✔Yes
Which of the following would be covered by a commercial package policy?
2
