NJ STATE BOARD ESTHETICS EXAM EXAM
REVIEW 2026 EXAMPREP STUDY GUIDE
WITH COMPLETE QUESTIONS AND
SOLUTIONS
⫸ Liability arising out of any of the following is excluded from the
personal and advertising injury liability coverage EXCEPT Answer:
unknowingly inflicting injury that violates the rights of another.
⫸ A bank customer's identity was compromised and the thieves made
numerous purchases from a retailer by signing the customer's checks.
When the bank refused to make payment for the goods, the retailer
brought suit against the bank. Which coverage indemnified the bank for
liability in the suit? Answer: forgery and alteration
⫸ Workers' compensation coverage is rated on the basis of which of the
following? Answer: employer's payroll
⫸ Which of the following is the party who agrees to be responsible for
loss in the case of a fidelity bond? Answer: the surety
⫸ The insured carries underinsured motorists coverage limits of
250/500/250 on his automobile policy and his vehicle is struck by an at
fault motorist who insures with the State minimum for liability of
20/40/10. If the insured brings suit for bodily injury damages to himself
, of $500,000, how much will he recover from at fault driver's policy?
Answer: $20k
⫸ Under the commercial general liability which one of the following is
covered under supplementary payments? Answer: cost of bail bonds
⫸ When the insured's child spills red juice on the carpet of insured's
covered automobile, which of the following coverages will apply?
Answer: comprehensive
⫸ Which of the following best describes the commercial general
liability?s general aggregate annual 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 annual limit.
⫸ Under liability coverage which of the following will trigger coverage
for property damage? Answer: unintended damage to tangible property
of others
⫸ All of the following are exclusions are found under the personal auto
policy Part A liability coverage, EXCEPT Answer: bodily Injury to an
insured's nonresident family member or relative.
⫸ All of the following specify limits of insurance for the commercial
general liability EXCEPT Answer: legal defense.
REVIEW 2026 EXAMPREP STUDY GUIDE
WITH COMPLETE QUESTIONS AND
SOLUTIONS
⫸ Liability arising out of any of the following is excluded from the
personal and advertising injury liability coverage EXCEPT Answer:
unknowingly inflicting injury that violates the rights of another.
⫸ A bank customer's identity was compromised and the thieves made
numerous purchases from a retailer by signing the customer's checks.
When the bank refused to make payment for the goods, the retailer
brought suit against the bank. Which coverage indemnified the bank for
liability in the suit? Answer: forgery and alteration
⫸ Workers' compensation coverage is rated on the basis of which of the
following? Answer: employer's payroll
⫸ Which of the following is the party who agrees to be responsible for
loss in the case of a fidelity bond? Answer: the surety
⫸ The insured carries underinsured motorists coverage limits of
250/500/250 on his automobile policy and his vehicle is struck by an at
fault motorist who insures with the State minimum for liability of
20/40/10. If the insured brings suit for bodily injury damages to himself
, of $500,000, how much will he recover from at fault driver's policy?
Answer: $20k
⫸ Under the commercial general liability which one of the following is
covered under supplementary payments? Answer: cost of bail bonds
⫸ When the insured's child spills red juice on the carpet of insured's
covered automobile, which of the following coverages will apply?
Answer: comprehensive
⫸ Which of the following best describes the commercial general
liability?s general aggregate annual 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 annual limit.
⫸ Under liability coverage which of the following will trigger coverage
for property damage? Answer: unintended damage to tangible property
of others
⫸ All of the following are exclusions are found under the personal auto
policy Part A liability coverage, EXCEPT Answer: bodily Injury to an
insured's nonresident family member or relative.
⫸ All of the following specify limits of insurance for the commercial
general liability EXCEPT Answer: legal defense.
