VA Property & Casualty Insurance ACTUAL FINAL EXAM QUESTIONS
WITH 100% RATED CORRECT ANSWERS 2025 LATEST UPDATED
GRADED A+
Occurrence - (Correct Answer)Is an accident, including continuous or repeated exposure to the
same harmful condition. Coverage exist for cupboard occurrences during the policy period and
after the policy. If due to the same circumstances that occurred during the policy period
Temporary worker - (Correct Answer)Who is not considered an employee in a commercial
general liability (CGL)policy?
Contractual liability policy - (Correct Answer)Under which type of coverage does the insurer
agreed to pay for bodily injury or property damage liability which the insured has agreed to
assume under a written contractual心的坚强决定了我们的命运。当
agreement?
我们面对挫折时，是一颗不屈的
A written agreement which indemnifies a person for fire damage to the premises rented to the
心让我们勇敢前行
insured - (Correct Answer)Which of the following is not insured by uninsured contract under the
commercial general liability policy?
After the execution of the contract - (Correct Answer)The commercial general liability coverage
form excludes bodily injury or property damage that the insured has assumed under any contract
or agreement. However the exclusion does not apply to certain types of contracts, as long as the
injury or damage occurs
Personal and advertising injury liability - (Correct Answer)B&B market was sued when an
employee detained a person he believed to be a shoplifter, but the person turned out to be the
meter reader. Which coverage would apply to this suit?
Inadvertent injury to others caused in the course of advertising the insureds product - (Correct
Answer)CGL coverage B (personal and advertising injury) will cover
, Losses due to the insured's negligence - (Correct Answer)Coverage A - bodily injury and
property damage in the commercial general liability policy will cover
No because the claim results from copyright infringement and is not in an advertisement -
(Correct Answer)Erroneous publishing copied all the material from Angels Inc.'s book. The only
changes made were to rename the title and chapters, put a different cover on it, and distribute it
as it's own. Angel's Inc. files a claim against erroneous and six damages. Will the commercial
general liability policy cover the claim?
Personal and advertising injury liability - (Correct Answer)If an insured bakery is seed because
it's marketing states that the products of another bakery may not be safe, which coverage of a
commercial policy will defend the suit?
The coverage is not considered good will because payments are made without regard to fault -
(Correct Answer)Which of the following statements is true regarding the commercial general
心的坚强决定了我们的命运。当
liability policy's coverage C medical payments?
我们面对挫折时，是一颗不屈的
Submitting to a medical exam when 心让我们勇敢前行
requested - (Correct Answer)In the event of a claim under
commercial general liability policy, the insured has all of the following duties to the insurer
except
In addition to the limit of liability - (Correct Answer)In liability insurance policies,
supplementary payments are made
They pay defense costs even after the aggregate limit has been reached - (Correct Answer)All of
the following are true statements regarding the supplementary payments of a commercial general
liability policy except
In addition to the limit of liability - (Correct Answer)Any liability insurance policies,
supplementary payments are made
WITH 100% RATED CORRECT ANSWERS 2025 LATEST UPDATED
GRADED A+
Occurrence - (Correct Answer)Is an accident, including continuous or repeated exposure to the
same harmful condition. Coverage exist for cupboard occurrences during the policy period and
after the policy. If due to the same circumstances that occurred during the policy period
Temporary worker - (Correct Answer)Who is not considered an employee in a commercial
general liability (CGL)policy?
Contractual liability policy - (Correct Answer)Under which type of coverage does the insurer
agreed to pay for bodily injury or property damage liability which the insured has agreed to
assume under a written contractual心的坚强决定了我们的命运。当
agreement?
我们面对挫折时，是一颗不屈的
A written agreement which indemnifies a person for fire damage to the premises rented to the
心让我们勇敢前行
insured - (Correct Answer)Which of the following is not insured by uninsured contract under the
commercial general liability policy?
After the execution of the contract - (Correct Answer)The commercial general liability coverage
form excludes bodily injury or property damage that the insured has assumed under any contract
or agreement. However the exclusion does not apply to certain types of contracts, as long as the
injury or damage occurs
Personal and advertising injury liability - (Correct Answer)B&B market was sued when an
employee detained a person he believed to be a shoplifter, but the person turned out to be the
meter reader. Which coverage would apply to this suit?
Inadvertent injury to others caused in the course of advertising the insureds product - (Correct
Answer)CGL coverage B (personal and advertising injury) will cover
, Losses due to the insured's negligence - (Correct Answer)Coverage A - bodily injury and
property damage in the commercial general liability policy will cover
No because the claim results from copyright infringement and is not in an advertisement -
(Correct Answer)Erroneous publishing copied all the material from Angels Inc.'s book. The only
changes made were to rename the title and chapters, put a different cover on it, and distribute it
as it's own. Angel's Inc. files a claim against erroneous and six damages. Will the commercial
general liability policy cover the claim?
Personal and advertising injury liability - (Correct Answer)If an insured bakery is seed because
it's marketing states that the products of another bakery may not be safe, which coverage of a
commercial policy will defend the suit?
The coverage is not considered good will because payments are made without regard to fault -
(Correct Answer)Which of the following statements is true regarding the commercial general
心的坚强决定了我们的命运。当
liability policy's coverage C medical payments?
我们面对挫折时，是一颗不屈的
Submitting to a medical exam when 心让我们勇敢前行
requested - (Correct Answer)In the event of a claim under
commercial general liability policy, the insured has all of the following duties to the insurer
except
In addition to the limit of liability - (Correct Answer)In liability insurance policies,
supplementary payments are made
They pay defense costs even after the aggregate limit has been reached - (Correct Answer)All of
the following are true statements regarding the supplementary payments of a commercial general
liability policy except
In addition to the limit of liability - (Correct Answer)Any liability insurance policies,
supplementary payments are made
