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INSURANCE EXAM 1: Property and Casualty Questions and Answers 2023 Already Passed 100% Which of the following are the authorities that an agent can hold? *ANS* Express and implied Which of the following terms refers to such disabilities the loss of a limb, hearing , or eye sight? *ANS* Permanent partial disability Who is NOT considered an employee in an commercial general liability (CGL) policy? *ANS* Temporary worker The major portion of the premium of an equipment breakdown policy ...

Policy Study Guide Exam Questions With 100% Correct Answers Coverage A - answerDwelling Coverage B - answerPersonal Property Coverage C - answerLoss of Use Coverage A - answeris the dwelling and dwelling extensions. The dwelling is the structure used principally as a the private residence and the dwelling extensions are other structures on the residence premises separated from the dwelling by clear space. Structures connected to the dwelling by only a fence, utility line, or similar con...

Policy Study Guide Questions and Answers 2023 Coverage A Dwelling Coverage B Personal Property Coverage C Loss of Use Coverage A is the dwelling and dwelling extensions. The dwelling is the structure used principally as a the private residence and the dwelling extensions are other structures on the residence premises separated from the dwelling by clear space. Structures connected to the dwelling by only a fence, utility line, or similar connection are still consi...

IRC 2023 Questions and Answers latest Updated Type I handrails with a circular cross section shall have an outside diameter of at least ____ inches and not greater than ____ inches. 1 1/4 2 Open sided walking surfaces located more than ____ inches above the floor or grade below, shall have guards not less than ____ inches in height. 30 36 Required guards shall not have openings from the walking surface to the required guard height which allow passage of a sphere ___ inches in ...

Vlastos v. Sumitomo Marine & Fire Insurance Company - breach of warranty Facts: Vlastos obtained fire insurance from the D. The policy stated in part: "Warranted that the 3rd floor is occupied as Janitor's residence." After the building was destroyed by fire, D refused to pay the claim citing breach of warranty because a massage parlor was also on the third floor with the janitor. 3 people were killed. Holding: AMBIGUITY: a reasonable person could have understood Vlastos to have warranted...

Coverage A - ANSWER Dwelling Coverage B - ANSWER Personal Property Coverage C - ANSWER Loss of Use Coverage A - ANSWER is the dwelling and dwelling extensions. The dwelling is the structure used principally as a the private residence and the dwelling extensions are other structures on the residence premises separated from the dwelling by clear space. Structures connected to the dwelling by only a fence, utility line, or similar connection are still considered to be other structures....

P&C Insurance Exam Preview terms and meaning, 100% coverage, rated A Reinsurance - -Insurance for the insurance company. Reinsurance Department is responsible for helping to cover the insurer's exposure to loss. Captive (Exclusive) Agents - -Represent only one company Risk - -A chance, possibility, or uncertainty of loss. Uncertainty of financial loss. Apparent Authority - -The assumption that an agent has authority based on the actions or words of the principal. Pure...

Accident - ANSWER A sudden, unforeseen, unintended, and unplanned event. Example: The explosion of a steam boiler. Occurrence - ANSWER An event that results in a loss. It includes an accident, but is a broader definition because it includes continuous or repeated exposure to harmful conditions that results in property damage. Example: Mold, fungus, or wet rot that results from the accidental discharge or overflow of water or steam within a plumbing, heating, or air conditioning system. Can...