WPCI - Washington Property and Casualty Insurance Exam

Question 21: A shopper is struck by a falling display and injured on a store's premises, and the store wants the coverage that pays reasonable medical expenses without regard to fault, provided the expenses are incurred and reported within one year. Which coverage applies?

Coverage A

Coverage B

Supplementary payments

Coverage C

Question 22: The commercial general liability policy defines a key term as an accident, including continuous or repeated exposure to substantially the same general harmful conditions, and this definition sets the trigger for Coverage A. Which term is being defined by that language?

Claim

Retroactive date

Occurrence

Personal injury

Question 23: An employee is injured while a business carries an occurrence-form policy, but the injured party does not file a claim until two years later, after that policy has expired and a new insurer is on the risk. Which insurer handles the claim?

Insurer when injury occurred

Insurer when claim filed

Neither, coverage expired

Whichever insurer claimant selects

Question 24: A business holds a claims-made policy whose retroactive date equals the policy's effective date, and a claim is filed during the policy period, but the injury actually occurred before that retroactive date. How does the claims-made form treat this claim?

Covered under this policy

Covered under a prior policy

Covered by a supplemental tail

Not covered at all

Question 25: After a claims-made policy ends, an insured wants an endorsement that gives an unlimited amount of time to report claims for covered events, and understands it must be requested and paid for with an additional premium. Which extended reporting option is this?

Basic extended reporting period

Supplemental extended reporting period

Automatic sixty-day tail

Retroactive date extension

Question 26: Under the commercial general liability supplementary payments, the insurer will pay the cost of bail bonds required because of an accident or violation arising from the use of a covered vehicle, up to a stated maximum. What is the CGL bail bond limit?

Two thousand dollars

One thousand dollars

Two hundred fifty dollars

Five hundred dollars

Question 27: Under a corporation's commercial general liability policy, the named insured is the corporation itself, and the form also extends insured status to a particular group acting for the business within the scope of their work. Which group is automatically included as insureds?

The named insured's spouse

All independent contractors

Customers on the premises

Employees within their duties

Question 28: The commercial general liability general aggregate caps the total the insurer pays for most claims combined during the policy period, yet one major exposure is deliberately left out because it carries its own separate aggregate. Which exposure does the general aggregate exclude?

Products-completed operations

Premises and operations

Fire legal liability

Personal and advertising injury

Question 29: A single accident at an insured's premises produces both bodily injury the insured is liable for and medical payments to the injured person, and one limit caps everything payable for that single event. Which limit sets the most paid per event?

General aggregate limit

Products aggregate limit

Per occurrence limit

Medical expense limit

Question 30: A tenant's negligence starts an accidental fire that damages the portion of a building the business rents and occupies, and the landlord holds the tenant responsible. Which commercial general liability limit responds to this fire damage to rented premises?

Medical expense limit

Damage to premises rented

Products aggregate limit

Personal injury limit

Question 31: While repairing a customer's machine at the shop, an insured accidentally damages that very machine, which was in the insured's care and custody at the time. Under Coverage A, how is this damage generally treated, apart from fire legal liability?

Fully covered as property damage

Covered under medical payments

Excluded from Coverage A

Covered by supplementary payments

Question 32: A consumer bites into packaged cereal a company produced and chips a tooth on a hard object sealed inside, filing a claim after buying the product and taking it home. Which commercial general liability exposure does this away-from-premises product injury represent?

Premises and operations

Products-completed operations

Contractual liability

Fire legal liability

Question 33: A business wants its auto liability to reach every vehicle it might use, whether owned, leased, hired, rented, or borrowed, choosing the single covered-auto symbol that provides the broadest protection available for its operations. Which numeric symbol represents any auto?

Symbol seven

Symbol two

Symbol nine

Symbol one

Question 34: An insured wants physical damage coverage on just a few specific vehicles it names, rather than on its whole fleet, so the producer selects the most restrictive covered-auto symbol that applies only to autos listed in the declarations. Which symbol is that?

Symbol seven

Symbol one

Symbol eight

Symbol nine

Question 35: A business wants coverage for autos it does not own, lease, or hire but that are used in its business, specifically including employees' personal cars driven on company errands. Which covered-auto symbol captures nonowned autos and includes employee vehicles?

Symbol two

Symbol eight

Symbol seven

Symbol nine

Question 36: While a covered auto is being driven on a rural road at night, it strikes a deer that runs into its path, denting the hood and shattering a headlight. Under the business auto physical damage coverages, which coverage responds to this loss?

Collision coverage

Specified causes of loss

Comprehensive coverage

Liability coverage

Question 37: A business auto policy responds to a loss involving a vehicle the insured borrowed rather than owns, and other insurance also applies. Under the business auto other-insurance condition, how does the insured's policy respond for a nonowned covered auto?

Excess over other insurance

Primary for the loss

Pro rata by limits

It pays nothing

Question 38: Under the business auto coverage form's supplementary payments, the insurer agrees to pay the cost of bail bonds resulting from a covered accident, up to a set maximum that is notably higher than the general liability form's bond amount. What is that maximum?

Two hundred fifty dollars

Two thousand dollars

Five hundred dollars

One thousand dollars

Question 39: A for-hire motor carrier uses its insurance as proof that it can meet financial obligations for injury and damage from its operations, attaching a federal endorsement that provides public liability coverage for bodily injury, property damage, and environmental restoration. Which endorsement is this?

Trailer interchange endorsement

Drive other car endorsement

Additional insured lessor

The MCS-ninety endorsement

Question 40: A company furnishes a car to an employee who owns no personal auto and carries no personal auto insurance, and the business wants to extend coverage to that individual and spouse when driving nonowned vehicles. Which endorsement provides this drive-other-car protection?

Individual named insured endorsement

Drive other car endorsement

Additional insured lessor endorsement

Hired auto endorsement

WPCI Washington Property and Casualty Insurance Exam - Set 4 - Part 2

Question 21: A shopper is struck by a falling display and injured on a store's premises, and the store wants the coverage that pays reasonable medical expenses without regard to fault, provided the expenses are incurred and reported within one year. Which coverage applies?

Question 22: The commercial general liability policy defines a key term as an accident, including continuous or repeated exposure to substantially the same general harmful conditions, and this definition sets the trigger for Coverage A. Which term is being defined by that language?

Question 23: An employee is injured while a business carries an occurrence-form policy, but the injured party does not file a claim until two years later, after that policy has expired and a new insurer is on the risk. Which insurer handles the claim?

Question 24: A business holds a claims-made policy whose retroactive date equals the policy's effective date, and a claim is filed during the policy period, but the injury actually occurred before that retroactive date. How does the claims-made form treat this claim?

Question 25: After a claims-made policy ends, an insured wants an endorsement that gives an unlimited amount of time to report claims for covered events, and understands it must be requested and paid for with an additional premium. Which extended reporting option is this?

Question 26: Under the commercial general liability supplementary payments, the insurer will pay the cost of bail bonds required because of an accident or violation arising from the use of a covered vehicle, up to a stated maximum. What is the CGL bail bond limit?

Question 27: Under a corporation's commercial general liability policy, the named insured is the corporation itself, and the form also extends insured status to a particular group acting for the business within the scope of their work. Which group is automatically included as insureds?

Question 28: The commercial general liability general aggregate caps the total the insurer pays for most claims combined during the policy period, yet one major exposure is deliberately left out because it carries its own separate aggregate. Which exposure does the general aggregate exclude?

Question 29: A single accident at an insured's premises produces both bodily injury the insured is liable for and medical payments to the injured person, and one limit caps everything payable for that single event. Which limit sets the most paid per event?

Question 30: A tenant's negligence starts an accidental fire that damages the portion of a building the business rents and occupies, and the landlord holds the tenant responsible. Which commercial general liability limit responds to this fire damage to rented premises?

Question 31: While repairing a customer's machine at the shop, an insured accidentally damages that very machine, which was in the insured's care and custody at the time. Under Coverage A, how is this damage generally treated, apart from fire legal liability?

Question 32: A consumer bites into packaged cereal a company produced and chips a tooth on a hard object sealed inside, filing a claim after buying the product and taking it home. Which commercial general liability exposure does this away-from-premises product injury represent?

Question 33: A business wants its auto liability to reach every vehicle it might use, whether owned, leased, hired, rented, or borrowed, choosing the single covered-auto symbol that provides the broadest protection available for its operations. Which numeric symbol represents any auto?

Question 34: An insured wants physical damage coverage on just a few specific vehicles it names, rather than on its whole fleet, so the producer selects the most restrictive covered-auto symbol that applies only to autos listed in the declarations. Which symbol is that?

Question 35: A business wants coverage for autos it does not own, lease, or hire but that are used in its business, specifically including employees' personal cars driven on company errands. Which covered-auto symbol captures nonowned autos and includes employee vehicles?

Question 36: While a covered auto is being driven on a rural road at night, it strikes a deer that runs into its path, denting the hood and shattering a headlight. Under the business auto physical damage coverages, which coverage responds to this loss?

Question 37: A business auto policy responds to a loss involving a vehicle the insured borrowed rather than owns, and other insurance also applies. Under the business auto other-insurance condition, how does the insured's policy respond for a nonowned covered auto?

Question 38: Under the business auto coverage form's supplementary payments, the insurer agrees to pay the cost of bail bonds resulting from a covered accident, up to a set maximum that is notably higher than the general liability form's bond amount. What is that maximum?

Question 40: A company furnishes a car to an employee who owns no personal auto and carries no personal auto insurance, and the business wants to extend coverage to that individual and spouse when driving nonowned vehicles. Which endorsement provides this drive-other-car protection?

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