CPCL California Property and Casualty license exam - Set 5 - Part 2

Test your knowledge of technical writing concepts with these practice questions. Each question includes detailed explanations to help you understand the correct answers.

Question 21: Employment Practices Liability Insurance covers claims arising from which of the following?

Property damage from fire

Auto collisions

Wrongful termination and harassment

Product defects

Question 22: California's Fair Employment and Housing Act applies to employers with at least how many employees for most provisions?

Twenty employees

Fifty employees

One hundred employees

Five employees

Question 23: On a business auto policy, covered-auto symbol one means which of the following?

Symbol one means any auto

Symbol one means owned autos only

Symbol one means hired autos only

Symbol one means no coverage

Question 24: Garagekeepers insurance at an auto repair shop covers which of the following?

The dealer's own building

Employee injuries

Damage to customers' vehicles in care

The dealer's advertising

Question 25: Which of the following correctly distinguishes a trucker from a motor carrier?

A trucker hauls its own goods only

A trucker hauls others' goods for hire

A motor carrier hauls only for hire

They are identical

Question 26: On a business auto policy, uninsured motorist coverage and medical payments are provided how?

Always included automatically

Never available

Included only for owned autos

Added by endorsement, not automatic

Question 27: Which of the following correctly describes a self-insured retention on a commercial umbrella policy?

Under an SIR the insured pays first

The insurer pays the SIR first

An SIR raises the policy limit

An SIR equals a premium

Question 28: A commercial umbrella policy typically requires which of the following underlying coverages to be maintained?

Homeowners and personal auto

Only flood insurance

CGL, commercial auto, and employers liability

No underlying coverage

Question 29: Workers' compensation in California is best described in which of the following ways?

Requires proving employer negligence

Is optional in California

Allows suing for pain and suffering

Pays no-fault as the exclusive remedy

Question 30: Under California's AB 5 and the ABC test, how is a worker's status determined?

Presumed an independent contractor

Presumed an employee unless three conditions met

All workers are independent contractors

The test applies only to large employers

Question 31: Within the workers' compensation market, how is California's State Compensation Insurance Fund best characterized?

It competes with private insurers

It is the only option for employers

California has no state fund

It writes life insurance

Question 32: Within the workers' compensation policy, what does Part Two, employers liability, provide?

Part One pays the employer's legal defense

Part Three is medical only

Part Two provides employers liability coverage

There is only one part

Question 33: An experience modification factor below one on a workers' compensation policy indicates which of the following?

Above one means a credit

Exactly one means a surcharge

It ignores the employer's losses

Below one means a premium credit

Question 34: To be compensable under workers' compensation, an injury must meet which of the following standards?

Arising out of and during employment

Any injury anywhere

Only injuries at home

Only intentional injuries

Question 35: Temporary total disability benefits in California are generally paid at which rate?

Full wages

One-half of wages

Two-thirds of the average weekly wage

A flat amount unrelated to wages

Question 36: The federal Longshore and Harbor Workers' Compensation Act provides benefits to which group?

Railroad workers

Maritime and harbor workers

Office workers

Overseas soldiers

Question 37: Which of the following correctly describes the federal Jones Act for maritime workers?

The Jones Act covers office staff

It covers airline pilots

It is a no-fault system

Jones Act lets crew sue for negligence

Question 38: When an employer's serious and willful misconduct causes a work injury in California, what is the effect on the award?

The award may be increased

The employee loses all benefits

It bars any recovery

It applies only to contractors

Question 39: Medical benefits under California workers' compensation are provided in which manner?

Capped at a small dollar amount

Limited to thirty days

Provided with no dollar limit

Paid only after a lawsuit

Question 40: Under the going-and-coming rule in workers' compensation, how are ordinary commuting injuries generally treated?

Commuting injuries are generally covered

The rule bars ordinary commute injuries

All travel is covered

It applies only to executives

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