CT License Practice Exam 2 2025/2026
Exam Questions and Verified Answers |
Already Graded A+
The function in the adjusting process by which an adjuster records his or
her activities, findings, and thoughts on disposition of a claim is know as
what? - 🧠 ANSWER ✔✔Documentation and Reporting
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
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, 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:
Exam Questions and Verified Answers |
Already Graded A+
The function in the adjusting process by which an adjuster records his or
her activities, findings, and thoughts on disposition of a claim is know as
what? - 🧠 ANSWER ✔✔Documentation and Reporting
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
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, 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:
