AD Banker Property and Casualty Comprehensive
louisiana Exam | Questions and Answers | 2025
Update
/. Under aleatory contracts, the exchange of values is: - Answer-unequal
/.B is traveling to Europe for a month's vacation. Which of the following coverages might
her agent recommend to cover personal items? - Answer-Personal effects floater
/.Under a Personal Auto policy, all of the following are correct about medical payments
coverage, except: - Answer-The policy limit is applied on a per occurrence basis, not
per person
/.A person wishing to insure a single shipment would be best served by which form? -
Answer-Trip Transit Form
/.All of the following are true of Section II of the Businessowners Coverage Form,
except: - Answer-Business liability coverage applies to damage to an insured's property
or work
/.Of the Dwelling policy forms, which one does not cover a loss caused by accidental
discharge of water from a refrigerator located in a covered dwelling? - Answer-Basic
Form (DP-1)
/.Which of the following would not be eligible to purchase a Homeowners policy? -
Answer-A person who owns and lives on a farm
/.Which of the following vehicles is not considered an uninsured vehicle? - Answer-A
vehicle owned by the government
/.Which of the following describes the loss settlement basis for a fire damage claim to a
dwelling insured under a DP-3 policy? - Answer-Replacement cost up to the Coverage
A limit
/.A mandatory deductible of what amount applies to certain completed operations claims
under Section II of the Garage Coverage Form? - Answer-$100
, /.Which of the following would be not covered by a Business Auto Policy? - Answer-An
employee is injured while driving a covered auto
/.Which of the following is not true of the Yacht Policy? - Answer-It provides coverage
regardless of its territory
/.Choose the false statement regarding commercial auto coverage. - Answer-Section II
of the Garage Coverage Form - does not provide completed operations coverage
/.Which section of the Garage Coverage Form provides physical damage coverage for
the insured's covered autos? - Answer-Section IV
/.Employees typically exempted from Workers' Compensation laws include all of the
following, except: - Answer-Part-time employees
/.Which of the following expenses would not be reimbursed under the Workers'
Compensation policy? - Answer-Loss of insured's earnings because the insurer
requested the insured come to court
/.Which of the following perils is insured against by a commercial property policy using
the Causes of Loss - Basic Form? - Answer-Windstorm
/.Which of the following commercial crime insuring agreements provides coverage if a
company accountant steals money by signing a businessowner's name on a $1,000
check? - Answer-Forgery or Alteration
/.The Collision or Running Down Clause in Ocean Marine Insurance covers: - Answer-
Collision damage to another vessel when the shipper is liable
/.An insurance agent would recommend which of the following floaters to his client who
is traveling to Europe for a month's vacation? - Answer-Personal Effects Floater
/.Liability coverage may be provided by a Homeowners policy for the insured's use of
which of the following watercraft? - Answer-20-foot sailing boat
/.Under the Valuable Papers and Records Floater, all of the following types of papers or
records would be covered, except: - Answer-Property held as samples
/.Under Part A of a Personal Auto policy, which of the following is correct about
supplementary payments? - Answer-They are paid in addition to the policy's liability
limits
/.What is the primary objective of Workers' Compensation? - Answer-To provide a
payment of benefits to employees for injuries that arise out of their employment,
regardless of negligence
louisiana Exam | Questions and Answers | 2025
Update
/. Under aleatory contracts, the exchange of values is: - Answer-unequal
/.B is traveling to Europe for a month's vacation. Which of the following coverages might
her agent recommend to cover personal items? - Answer-Personal effects floater
/.Under a Personal Auto policy, all of the following are correct about medical payments
coverage, except: - Answer-The policy limit is applied on a per occurrence basis, not
per person
/.A person wishing to insure a single shipment would be best served by which form? -
Answer-Trip Transit Form
/.All of the following are true of Section II of the Businessowners Coverage Form,
except: - Answer-Business liability coverage applies to damage to an insured's property
or work
/.Of the Dwelling policy forms, which one does not cover a loss caused by accidental
discharge of water from a refrigerator located in a covered dwelling? - Answer-Basic
Form (DP-1)
/.Which of the following would not be eligible to purchase a Homeowners policy? -
Answer-A person who owns and lives on a farm
/.Which of the following vehicles is not considered an uninsured vehicle? - Answer-A
vehicle owned by the government
/.Which of the following describes the loss settlement basis for a fire damage claim to a
dwelling insured under a DP-3 policy? - Answer-Replacement cost up to the Coverage
A limit
/.A mandatory deductible of what amount applies to certain completed operations claims
under Section II of the Garage Coverage Form? - Answer-$100
, /.Which of the following would be not covered by a Business Auto Policy? - Answer-An
employee is injured while driving a covered auto
/.Which of the following is not true of the Yacht Policy? - Answer-It provides coverage
regardless of its territory
/.Choose the false statement regarding commercial auto coverage. - Answer-Section II
of the Garage Coverage Form - does not provide completed operations coverage
/.Which section of the Garage Coverage Form provides physical damage coverage for
the insured's covered autos? - Answer-Section IV
/.Employees typically exempted from Workers' Compensation laws include all of the
following, except: - Answer-Part-time employees
/.Which of the following expenses would not be reimbursed under the Workers'
Compensation policy? - Answer-Loss of insured's earnings because the insurer
requested the insured come to court
/.Which of the following perils is insured against by a commercial property policy using
the Causes of Loss - Basic Form? - Answer-Windstorm
/.Which of the following commercial crime insuring agreements provides coverage if a
company accountant steals money by signing a businessowner's name on a $1,000
check? - Answer-Forgery or Alteration
/.The Collision or Running Down Clause in Ocean Marine Insurance covers: - Answer-
Collision damage to another vessel when the shipper is liable
/.An insurance agent would recommend which of the following floaters to his client who
is traveling to Europe for a month's vacation? - Answer-Personal Effects Floater
/.Liability coverage may be provided by a Homeowners policy for the insured's use of
which of the following watercraft? - Answer-20-foot sailing boat
/.Under the Valuable Papers and Records Floater, all of the following types of papers or
records would be covered, except: - Answer-Property held as samples
/.Under Part A of a Personal Auto policy, which of the following is correct about
supplementary payments? - Answer-They are paid in addition to the policy's liability
limits
/.What is the primary objective of Workers' Compensation? - Answer-To provide a
payment of benefits to employees for injuries that arise out of their employment,
regardless of negligence
