CT All-Lines Adjuster Licensing Exam
Questions with correct Answers 2025/2026
Abandonment - ANS-Relinquishing of property and letting go of all legal rights with the intent to
claim a total loss.
Abandonment Clause - ANS-A property policy provision that stipulates that the insurer need not
accept any damaged property that the insured chooses to relinquish.
Absolute Liability - ANS-The performance of an act so dangerous as to be sufficient to trigger
liability regardless of the degree of negligence.
Accident - ANS-An unforeseen, unintended, and unexpected event, which occurs suddenly and
at a definite place.
Accounts Receivable Insurance - ANS-Pays for the cost of reconstructing accounts receivable
records that have been damaged or destroyed by a covered peril.
Action Over Claim - ANS-A demand by a third party in a subrogation action suing for damages
from the employer. (Worker's Compensation)
Actual Cash Value (ACV) - ANS-Placing value on a property as of the time of its loss or
damage.
Additional Living Expense Insurance - ANS-Provides payment for extra expenses made
necessary by the insured's inability to reside in the insured dwelling because of a cover loss.
Adhesion Contract - ANS-Standardized set of agreements offered by one party to another on a
take it or leave it basis.
Admiralty Courts - ANS-Courts of law that deal with matters pertaining to the sea.
Admitted Company - ANS-An insurance company that is licensed to conduct business within a
given state.
Advertising Injury - ANS-Claim arising out of slander, libel, copyright infringement, or
misappropriation of advertising ideas.
, Aggregate Limit - ANS-Maximum amount an insurer will pay under a policy in any one policy
period.
Alienated Premises - ANS-Property that has been sold by an insured.
Americans with Disabilities Act (ADA) - ANS-Passed by Congress in 1990, requires that
reasonable accommodation be made in public accommodations, including the workplace for
those with physical or mental disabilities.
Apportionment - ANS-Dividing a loss between multiple insurers that cover the same loss.
Arbitration Clause - ANS-An insurance policy that spells out how disagreements over a claim
are settled.
Assumption of Risk Doctrine - ANS-Defense against a negligence claim that bars recovery for
damages of a person understands and recognizes the danger inherent in a particular activity or
occupation.
Attractive Nuisance - ANS-Condition that can attract and injure children. The occupants of land
on which such a condition exists are liable for injuries to children.
Bailee - ANS-One who is charged with the care of the property of another.
Bailment - ANS-Delivering property in trust to another for a limited time and specific purpose.
Bailor - ANS-The person delivering property to another in trust.
Barratry - ANS-Illegal acts committed willfully by a ship's master or crew for the purpose of
damaging the ship or cargo.
Betterment - ANS-The difference in the value of property before loss and after restoration.
Blanket Coverage - ANS-Insuring various items of property under one limit of liability.
Broker - ANS-One who represents the insured in arranging insurance. Typically do not have
binding authority.
Burglary - ANS-Unlawful removal of property from premises involving visible forcible entry.
Businessowners Policy (BOP) - ANS-A package of property and liability insurance for small and
medium size businesses.
Flat Cancellation - ANS-The full premium is returned to the insured.
Questions with correct Answers 2025/2026
Abandonment - ANS-Relinquishing of property and letting go of all legal rights with the intent to
claim a total loss.
Abandonment Clause - ANS-A property policy provision that stipulates that the insurer need not
accept any damaged property that the insured chooses to relinquish.
Absolute Liability - ANS-The performance of an act so dangerous as to be sufficient to trigger
liability regardless of the degree of negligence.
Accident - ANS-An unforeseen, unintended, and unexpected event, which occurs suddenly and
at a definite place.
Accounts Receivable Insurance - ANS-Pays for the cost of reconstructing accounts receivable
records that have been damaged or destroyed by a covered peril.
Action Over Claim - ANS-A demand by a third party in a subrogation action suing for damages
from the employer. (Worker's Compensation)
Actual Cash Value (ACV) - ANS-Placing value on a property as of the time of its loss or
damage.
Additional Living Expense Insurance - ANS-Provides payment for extra expenses made
necessary by the insured's inability to reside in the insured dwelling because of a cover loss.
Adhesion Contract - ANS-Standardized set of agreements offered by one party to another on a
take it or leave it basis.
Admiralty Courts - ANS-Courts of law that deal with matters pertaining to the sea.
Admitted Company - ANS-An insurance company that is licensed to conduct business within a
given state.
Advertising Injury - ANS-Claim arising out of slander, libel, copyright infringement, or
misappropriation of advertising ideas.
, Aggregate Limit - ANS-Maximum amount an insurer will pay under a policy in any one policy
period.
Alienated Premises - ANS-Property that has been sold by an insured.
Americans with Disabilities Act (ADA) - ANS-Passed by Congress in 1990, requires that
reasonable accommodation be made in public accommodations, including the workplace for
those with physical or mental disabilities.
Apportionment - ANS-Dividing a loss between multiple insurers that cover the same loss.
Arbitration Clause - ANS-An insurance policy that spells out how disagreements over a claim
are settled.
Assumption of Risk Doctrine - ANS-Defense against a negligence claim that bars recovery for
damages of a person understands and recognizes the danger inherent in a particular activity or
occupation.
Attractive Nuisance - ANS-Condition that can attract and injure children. The occupants of land
on which such a condition exists are liable for injuries to children.
Bailee - ANS-One who is charged with the care of the property of another.
Bailment - ANS-Delivering property in trust to another for a limited time and specific purpose.
Bailor - ANS-The person delivering property to another in trust.
Barratry - ANS-Illegal acts committed willfully by a ship's master or crew for the purpose of
damaging the ship or cargo.
Betterment - ANS-The difference in the value of property before loss and after restoration.
Blanket Coverage - ANS-Insuring various items of property under one limit of liability.
Broker - ANS-One who represents the insured in arranging insurance. Typically do not have
binding authority.
Burglary - ANS-Unlawful removal of property from premises involving visible forcible entry.
Businessowners Policy (BOP) - ANS-A package of property and liability insurance for small and
medium size businesses.
Flat Cancellation - ANS-The full premium is returned to the insured.
