CT SEPTIC LICENSE EXAM STUDY GUIDE 2026
PRACTICE QUESTIONS AND SOLUTIONS
◉A "direct writing" insurance company sells its policies through:
A. Employees of the company
B. Licensed insurance brokers
C. Independent insurance agents
D. Exclusive or Captive agents . Answer: A. Employees of the company
◉The insured purchased a large tarp from Home Depot to prevent
further water damage to his home after shingles were blown off the roof
during a storm. Which section of the policy would pay for reasonable
repairs to protect the property from further damage? . Answer:
Additional coverages
◉Identify the endorsement to a BOP policy, which warrants that any fire
alarm, burglar alarm or sprinkler system in place is fully functional and
is in working order. . Answer: Protective Safeguards
◉Which of the following is considered to be a "direct" loss:
A. Fire damage to a house
B. Additional living expense
,C. Food spoilage due to power outage
C. Loss of rental income after a property is flooded . Answer: A. Fire
damage to a house
◉Coverage E - Personal Liability of the Homeowners program protects
an insured from all of the following EXCEPT:
A. Premises liability
B. Personal activities away from the premises
C. Negligent acts of residence employees
D. Sexual molestation and mental abuse . Answer: D. Sexual
molestation and mental abuse
◉Identify the endorsement used to properly cover volunteer workers. .
Answer: Sole Proprietors, Partners, Officers, and Others Coverage
endorsement
◉The limit of insurance for business personal property is automatically
increased to offset seasonal variations in business. The standard amount
of the increase is ____. . Answer: 25%
◉The maximum time period for which a binder can be written in
Connecticut is what? . Answer: 60 days
,◉Pete, an employee of XYZ Moving Company suffered a work-related
injury while in the course and scope of employment. To ensure a full
recovery, Pete's doctor has recommended that he stay off work for an
extended period of time. Upon discussing his workers compensation
benefits with the adjuster, Pete is told that there is a waiting period that
he must endure prior to receiving benefits. Accordingly, what type of
workers compensation "benefits" is the adjuster referring to?
A. Disability income
B. Medical
C. Survivors benefits
D. Rehabilitation . Answer: A. Disability income
◉All of the following type of businesses would NOT be eligible for a
BOP policy EXCEPT:
A. Bowling alleys
B. Banks
C. Auto dealerships
D. Convenience stores . Answer: D. Convenience stores
◉Identify the Specialty Liability Policy that covers businesses against
claims by employees alleging that their legal rights as an employee have
been violated. . Answer: Employment Practices Liability insurance
◉Contractors seeking insurance coverage under a BOP must meet all of
the following eligibility requirements EXCEPT:
, A. Their annual payroll is less than $300,000
B. Their annual sales are less than $3M
C. Their subcontracted work is less than 10% of their sales
D. They have less than 10 full time employees . Answer: D. They have
less than 10 full time employees
◉The voluntary relinquishment or "giving up" of a known right is
known as ______. . Answer: Waiver
◉Under Part II - Employers Liability Insurance of the Workers
Compensation policy, the minimum limits typically include:
A. $100,000 per accident/occupational disease, $500,00 aggregate limit
B. $250,000 per accident/occupational disease, with a $500,000
aggregate limit
C. $500,000 per accident/occupation disease, with a $1M aggregate limit
D. $250,000 per accident/occupation disease with no aggregate .
Answer: A. $100,000 per accident/occupational disease, $500,00
aggregate limit
◉Unique to the Lawyers Professional Liability Policy, legal fees
resulting from the defense of an insured:
A. Have a set limit of $50,000 per occurrence
B. Are covered with a self-insured retention limit of $10,000
C. Are included in the policy limits
PRACTICE QUESTIONS AND SOLUTIONS
◉A "direct writing" insurance company sells its policies through:
A. Employees of the company
B. Licensed insurance brokers
C. Independent insurance agents
D. Exclusive or Captive agents . Answer: A. Employees of the company
◉The insured purchased a large tarp from Home Depot to prevent
further water damage to his home after shingles were blown off the roof
during a storm. Which section of the policy would pay for reasonable
repairs to protect the property from further damage? . Answer:
Additional coverages
◉Identify the endorsement to a BOP policy, which warrants that any fire
alarm, burglar alarm or sprinkler system in place is fully functional and
is in working order. . Answer: Protective Safeguards
◉Which of the following is considered to be a "direct" loss:
A. Fire damage to a house
B. Additional living expense
,C. Food spoilage due to power outage
C. Loss of rental income after a property is flooded . Answer: A. Fire
damage to a house
◉Coverage E - Personal Liability of the Homeowners program protects
an insured from all of the following EXCEPT:
A. Premises liability
B. Personal activities away from the premises
C. Negligent acts of residence employees
D. Sexual molestation and mental abuse . Answer: D. Sexual
molestation and mental abuse
◉Identify the endorsement used to properly cover volunteer workers. .
Answer: Sole Proprietors, Partners, Officers, and Others Coverage
endorsement
◉The limit of insurance for business personal property is automatically
increased to offset seasonal variations in business. The standard amount
of the increase is ____. . Answer: 25%
◉The maximum time period for which a binder can be written in
Connecticut is what? . Answer: 60 days
,◉Pete, an employee of XYZ Moving Company suffered a work-related
injury while in the course and scope of employment. To ensure a full
recovery, Pete's doctor has recommended that he stay off work for an
extended period of time. Upon discussing his workers compensation
benefits with the adjuster, Pete is told that there is a waiting period that
he must endure prior to receiving benefits. Accordingly, what type of
workers compensation "benefits" is the adjuster referring to?
A. Disability income
B. Medical
C. Survivors benefits
D. Rehabilitation . Answer: A. Disability income
◉All of the following type of businesses would NOT be eligible for a
BOP policy EXCEPT:
A. Bowling alleys
B. Banks
C. Auto dealerships
D. Convenience stores . Answer: D. Convenience stores
◉Identify the Specialty Liability Policy that covers businesses against
claims by employees alleging that their legal rights as an employee have
been violated. . Answer: Employment Practices Liability insurance
◉Contractors seeking insurance coverage under a BOP must meet all of
the following eligibility requirements EXCEPT:
, A. Their annual payroll is less than $300,000
B. Their annual sales are less than $3M
C. Their subcontracted work is less than 10% of their sales
D. They have less than 10 full time employees . Answer: D. They have
less than 10 full time employees
◉The voluntary relinquishment or "giving up" of a known right is
known as ______. . Answer: Waiver
◉Under Part II - Employers Liability Insurance of the Workers
Compensation policy, the minimum limits typically include:
A. $100,000 per accident/occupational disease, $500,00 aggregate limit
B. $250,000 per accident/occupational disease, with a $500,000
aggregate limit
C. $500,000 per accident/occupation disease, with a $1M aggregate limit
D. $250,000 per accident/occupation disease with no aggregate .
Answer: A. $100,000 per accident/occupational disease, $500,00
aggregate limit
◉Unique to the Lawyers Professional Liability Policy, legal fees
resulting from the defense of an insured:
A. Have a set limit of $50,000 per occurrence
B. Are covered with a self-insured retention limit of $10,000
C. Are included in the policy limits
