OPCI - Oklahoma Property and Casualty Insurance Exam

Question 1: An Oklahoma store owner leaves a spill unattended for hours despite knowing about it, a customer slips and is injured, and the owner is found legally responsible. This failure to exercise the care a reasonable person would use is best described as which of the following?

An intentional tort

Strict liability

Negligence

A breach of warranty

Question 2: An Oklahoma instructor explains that casualty insurance chiefly protects an insured against a particular kind of exposure, arising when the insured becomes legally responsible for injury or damage to another party. Which term names this legal responsibility that casualty coverage addresses?

Liability

Indemnity

Salvage

Subrogation

Question 3: An Oklahoma attorney explains that most liability claims arise from a civil wrong, other than a breach of contract, for which the law allows an injured person to recover damages. Which term describes such a civil wrong that is the basis of most liability claims?

A felony

A warranty

A tort

A peril

Question 4: An Oklahoma commercial liability policy defines a term broadly to include not only a sudden accident but also continuous or repeated exposure to substantially the same harmful conditions over time. Which term is defined this broadly in a general liability policy?

An accident

A hazard

A peril

An occurrence

Question 5: An Oklahoma contractor negligently injures a passerby, who suffers physical harm, sickness, and related medical costs. The liability coverage that responds to the injured person's physical injury and its consequences is designated by which of the following descriptions?

Bodily injury liability

Property damage liability

Personal injury liability

Medical payments to the insured

Question 6: An Oklahoma delivery driver negligently backs into and damages a customer's fence and landscaping. The portion of liability coverage that responds when the insured is legally responsible for physical injury to another's property is designated by which of the following?

Bodily injury liability

Personal injury liability

Property damage liability

Collision coverage

Question 7: An Oklahoma business is sued not for a physical injury but for offenses including libel, slander, false arrest, and wrongful entry. A distinct part of general liability coverage responds to these non-physical offenses. Which term describes this group of covered offenses?

Bodily injury

Property damage

Products liability

Personal and advertising injury

Question 8: An Oklahoma commercial tenant signs a lease in which it agrees to assume the landlord's liability for certain injuries on the premises. General liability policies extend coverage to liability the insured assumes under certain agreements defined in the policy. What are such qualifying agreements called?

An insured contract

A hold-harmless waiver

A certificate of insurance

A binder

Question 9: An Oklahoma general contractor asks a subcontractor for a document showing that the subcontractor carries the required liability coverage, listing the insurer, the policy limits, and the effective dates, but not itself granting or altering any coverage. Which document serves this purpose?

A binder

A proof of loss

A certificate of insurance

An endorsement

Question 10: An Oklahoma insured's commercial general liability declarations show one amount as the most payable for any single occurrence and a larger amount as the most payable for all covered losses during the policy period. What is this larger, policy-period cap commonly called?

The per-occurrence limit

The deductible

The self-insured retention

The aggregate limit

Question 11: An Oklahoma jury awards an injured plaintiff a sum to reimburse actual medical bills and lost wages, and a separate sum intended to punish the wrongdoer for especially reckless conduct. What are these separate damages meant to punish the wrongdoer called?

Punitive damages

Compensatory damages

Special damages

Liquidated damages

Question 12: An Oklahoma company engaged in an abnormally dangerous activity, such as blasting, is held responsible for resulting harm even though it used every reasonable precaution and was not careless. Which legal concept imposes responsibility without regard to fault in situations like this?

Negligence

Strict liability

Vicarious liability

Comparative negligence

Question 13: An Oklahoma delivery driver negligently injures a pedestrian while making deliveries within the scope of employment, and the employer is held legally responsible for the driver's conduct. Which legal concept makes one party responsible for the wrongful acts of another this way?

Strict liability

Contributory negligence

Vicarious liability

Assumption of risk

Question 14: In an Oklahoma liability case, the injured plaintiff is found partly at fault for the accident, and the court reduces the plaintiff's recovery in proportion to that share of fault rather than barring recovery entirely. Which legal doctrine does this describe?

Contributory negligence

Strict liability

Res ipsa loquitur

Comparative negligence

Question 15: An Oklahoma manufacturer's commercial general liability policy responds when the insured is legally liable to a third party for bodily injury or property damage caused by an occurrence. Which coverage of the standard commercial general liability policy provides this protection?

Coverage A, bodily injury and property damage

Coverage B, personal and advertising injury

Coverage C, medical payments

Coverage D, employee benefits

Question 16: An Oklahoma advertising firm is sued for slander and for infringing another's advertising slogan. Its commercial general liability policy contains a coverage responding to such offenses rather than to physical injury. Which coverage of the policy responds to these offenses?

Coverage A, bodily injury and property damage

Coverage B, personal and advertising injury

Coverage C, medical payments

The products-completed operations hazard

Question 17: A visitor to an Oklahoma insured's premises trips and is slightly hurt, and the business wants to pay her modest medical bills promptly, as a goodwill gesture, without any determination of legal fault. Which commercial general liability coverage is designed for this?

Coverage A, bodily injury and property damage

Coverage B, personal and advertising injury

Coverage C, medical payments

Supplementary payments

Question 18: An Oklahoma hardware store is sued after a customer slips on a wet floor inside the store during business hours. This exposure, arising from the condition of the insured's premises and its ongoing business activities, is best described by which commercial liability hazard?

Products and completed operations

Personal injury

Contractual liability

Premises and operations

Question 19: An Oklahoma roofing contractor finishes a job and leaves the site, and weeks later the completed roof fails and injures the occupant. This exposure, arising from the insured's finished work away from the premises, falls under which commercial liability hazard?

Products and completed operations

Premises and operations

Fire legal liability

Personal and advertising injury

Question 20: An Oklahoma insured's general liability policy covers bodily injury and property damage that take place during the policy period, no matter when the resulting claim is later made against the insured. Which coverage trigger, keyed to when the harm happens, does this describe?

A claims-made trigger

An occurrence trigger

A retroactive trigger

A named-perils trigger

OPCI Oklahoma Property and Casualty Insurance Exam - Set 5 - Part 1

Question 1: An Oklahoma store owner leaves a spill unattended for hours despite knowing about it, a customer slips and is injured, and the owner is found legally responsible. This failure to exercise the care a reasonable person would use is best described as which of the following?

Question 3: An Oklahoma attorney explains that most liability claims arise from a civil wrong, other than a breach of contract, for which the law allows an injured person to recover damages. Which term describes such a civil wrong that is the basis of most liability claims?

Question 4: An Oklahoma commercial liability policy defines a term broadly to include not only a sudden accident but also continuous or repeated exposure to substantially the same harmful conditions over time. Which term is defined this broadly in a general liability policy?

Question 5: An Oklahoma contractor negligently injures a passerby, who suffers physical harm, sickness, and related medical costs. The liability coverage that responds to the injured person's physical injury and its consequences is designated by which of the following descriptions?

Question 6: An Oklahoma delivery driver negligently backs into and damages a customer's fence and landscaping. The portion of liability coverage that responds when the insured is legally responsible for physical injury to another's property is designated by which of the following?

Question 7: An Oklahoma business is sued not for a physical injury but for offenses including libel, slander, false arrest, and wrongful entry. A distinct part of general liability coverage responds to these non-physical offenses. Which term describes this group of covered offenses?

Question 10: An Oklahoma insured's commercial general liability declarations show one amount as the most payable for any single occurrence and a larger amount as the most payable for all covered losses during the policy period. What is this larger, policy-period cap commonly called?

Question 11: An Oklahoma jury awards an injured plaintiff a sum to reimburse actual medical bills and lost wages, and a separate sum intended to punish the wrongdoer for especially reckless conduct. What are these separate damages meant to punish the wrongdoer called?

Question 12: An Oklahoma company engaged in an abnormally dangerous activity, such as blasting, is held responsible for resulting harm even though it used every reasonable precaution and was not careless. Which legal concept imposes responsibility without regard to fault in situations like this?

Question 13: An Oklahoma delivery driver negligently injures a pedestrian while making deliveries within the scope of employment, and the employer is held legally responsible for the driver's conduct. Which legal concept makes one party responsible for the wrongful acts of another this way?

Question 14: In an Oklahoma liability case, the injured plaintiff is found partly at fault for the accident, and the court reduces the plaintiff's recovery in proportion to that share of fault rather than barring recovery entirely. Which legal doctrine does this describe?

Question 15: An Oklahoma manufacturer's commercial general liability policy responds when the insured is legally liable to a third party for bodily injury or property damage caused by an occurrence. Which coverage of the standard commercial general liability policy provides this protection?

Question 16: An Oklahoma advertising firm is sued for slander and for infringing another's advertising slogan. Its commercial general liability policy contains a coverage responding to such offenses rather than to physical injury. Which coverage of the policy responds to these offenses?

Question 17: A visitor to an Oklahoma insured's premises trips and is slightly hurt, and the business wants to pay her modest medical bills promptly, as a goodwill gesture, without any determination of legal fault. Which commercial general liability coverage is designed for this?

Question 18: An Oklahoma hardware store is sued after a customer slips on a wet floor inside the store during business hours. This exposure, arising from the condition of the insured's premises and its ongoing business activities, is best described by which commercial liability hazard?

Question 19: An Oklahoma roofing contractor finishes a job and leaves the site, and weeks later the completed roof fails and injures the occupant. This exposure, arising from the insured's finished work away from the premises, falls under which commercial liability hazard?

Question 20: An Oklahoma insured's general liability policy covers bodily injury and property damage that take place during the policy period, no matter when the resulting claim is later made against the insured. Which coverage trigger, keyed to when the harm happens, does this describe?

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