PPCI - Pennsylvania Property and Casualty Insurance Exam

Question 21: A Pennsylvania manufacturer's employee is injured operating a press during his regular shift and sues his employer for the injury. The manufacturer submits the suit to its commercial general liability insurer. Why does that policy decline to respond?

The injury occurred inside a building

Work-related employee injuries are excluded

The employee was not a named insured

The claim exceeded the general aggregate

Question 22: A Pennsylvania chemical distributor is sued after a drum leaks and contaminates a neighboring property, and the claim includes both bodily injury and the cost of cleaning the soil. How does the standard commercial general liability form treat this claim?

It excludes pollution-related injury and cleanup

It pays cleanup but not bodily injury

It pays after a deductible

It pays cleanup only above the aggregate

Question 23: A Pennsylvania tenant negligently starts a fire that damages the office suite it rents. The landlord demands payment for the building damage, and the tenant turns to its commercial general liability policy. How does the form treat this particular claim?

It excludes all damage to rented premises

It pays only the tenant's own contents

Fire damage to rented premises is covered

It pays only after suit

Question 24: A Pennsylvania advertising client sues a marketing firm after the firm's campaign repeated a false statement that damaged the client's reputation. Which coverage of the commercial general liability policy is designed to respond to an offense of that kind?

Coverage A

Coverage C

Products-completed operations

Coverage B

Question 25: A Pennsylvania firm publishes a claim about a competitor knowing the statement is false, and the competitor sues. The firm asks its commercial general liability insurer to defend under the personal and advertising injury coverage. How does the policy respond?

It excludes knowingly false publication

It defends but will not pay damages

It applies a separate higher deductible

It covers the claim fully

Question 26: A visitor to a Pennsylvania insured's premises twists an ankle and needs an urgent care visit. The insured wants the bill handled quickly and quietly, without any argument about who was at fault. Which commercial general liability coverage fits this situation?

Coverage A bodily injury

Coverage C medical payments

Coverage B advertising injury

Fire damage legal liability

Question 27: A Pennsylvania insured is sued over a covered occurrence. The insurer pays for a bond to release an attachment, funds court costs, covers post-judgment interest, and reimburses the insured for time away from work at the insurer's request. Which policy element funds these items?

Coverage A limits

The general aggregate

The products-completed operations aggregate

Supplementary payments

Question 28: A Pennsylvania roofing contractor's general liability policy was in force in the year a homeowner was injured, but the homeowner did not sue until three years later, after the policy had expired. Which coverage trigger allows that claim to be paid?

A claims-made trigger

An occurrence trigger

A retroactive date trigger

An extended reporting period trigger

Question 29: A Pennsylvania consulting firm buys a claims-made general liability policy with a retroactive date matching the inception date. An error occurred two years before inception and a claim is made during the current policy period. How does the policy respond?

It pays because a claim exists

It pays half as a compromise

It denies, the injury predates retroactivity

It pays after the tail expires

Question 30: A Pennsylvania firm's claims-made general liability policy expires and is not replaced with claims-made coverage. The firm wants the longest possible protection for claims arising from work already performed. Which option gives it an unlimited period in which claims may be made?

The supplemental extended reporting period

The basic extended reporting period

A retroactive date amendment

An occurrence conversion endorsement

Question 31: A Pennsylvania hotel is sued after a guest slips in the lobby, and separately a landscaping crew the hotel employs damages a neighbor's fence while working off site. Which commercial general liability exposure describes both of these claims?

Products and completed operations

Contractual liability

Premises and operations

Personal and advertising injury

Question 32: A Pennsylvania appliance manufacturer is sued after a dishwasher it built and sold two years earlier fails and floods a customer's kitchen. Which commercial general liability exposure and which aggregate limit apply to that property damage claim against the manufacturer?

Products-completed operations, its own aggregate

Premises and operations, general aggregate

Contractual liability, general aggregate

Personal injury, per person limit

Question 33: A Pennsylvania tenant signs a lease agreeing to indemnify the landlord for injuries occurring in the leased space. A visitor is injured, and the landlord demands indemnity. Which commercial general liability concept determines whether the tenant's policy responds to that assumed obligation?

The products-completed operations hazard

The medical payments coverage

The retroactive date provision

The insured contract definition

Question 34: A Pennsylvania insured's general liability policy pays several premises claims and several product claims during the same policy year, and the owner reviews the results. Which statement correctly describes how those payments erode the aggregate limits shown on the declarations?

All claims erode a single combined aggregate

Product claims erode a separate aggregate

Product claims erode no aggregate at all

Premises claims erode the products aggregate

Question 35: A Pennsylvania excavation contractor operates a bulldozer at a job site and also drives a licensed pickup truck on public roads. The general liability policy defines these two vehicles differently. Which statement correctly describes how the form classifies them?

Both are autos

Both are mobile equipment

Bulldozer an auto, truck mobile equipment

Bulldozer mobile equipment, truck an auto

Question 36: A Pennsylvania partnership carries a commercial general liability policy naming the partnership itself. A partner's spouse is sued over a business matter, and an employee is sued for an act within the scope of employment. Who qualifies as an insured?

Only the partnership itself

The partnership and employees only

The partnership, partners, spouses and employees

Only partners named on the declarations

Question 37: A Pennsylvania contractor learns that a passerby was injured at one of its job sites, and no claim has yet been filed by anyone. The contractor wonders whether it must contact anyone. What do the commercial general liability conditions actually require of it?

Notice only after a suit arrives

Prompt notice of the occurrence

Notice within ninety days of injury

No notice until damages are demanded

Question 38: A Pennsylvania jeweler arrives one morning to find a shattered rear door frame and missing inventory, with clear marks showing that someone forced entry into the store overnight. Which crime insurance term describes what occurred at the premises?

Burglary

Robbery

Theft

Mysterious disappearance

Question 39: A Pennsylvania restaurant manager is walking the day's receipts to the bank when a stranger steps in front of her, displays a weapon and demands the deposit bag. She hands it over. Which crime insurance term describes this taking?