Free practice exam · no signup needed

Kansas Property & Casualty Practice Exam

20 exam-style questions drawn from the same bank as our full Kansas Property & Casualty course (Kansas Insurance Agent — Property and Casualty — Exam Prep). Answer all 20, then grade yourself — most state exams require 70% to pass. Explanations for every question are part of the full course.

1. An insured's home is damaged by a negligent contractor. The insurer pays the $40,000 repair under the homeowners policy and then sues the contractor to recover what it paid. What doctrine allows this?
SubrogationAbandonmentAssignmentEstoppel
2. Which of the following is NOT one of the four elements a plaintiff must prove to establish negligence?
Intent to harmDutyBreach of dutyProximate cause of damages
3. An insurer issues a CGL and later attaches a POLLUTION EXCLUSION endorsement. Which of the following is true?
Endorsements must be oral to be effective, consistent with the NAIC model treatment of separate-account products (not the general-account product here)Endorsements apply only to property, not liability policies.An endorsement may amend, add, or delete coverage provisions of the policy and, in the event of conflict, an endorsement generally controls over the base form.Endorsements can only add coverage, never restrict it, per the safe-harbor exception that activates only for primary-state filings
4. Under the Terrorism Risk Insurance Act (TRIA) as currently reauthorized, what is a commercial P&C insurer's obligation to its commercial insureds regarding terrorism coverage?
The insurer must make terrorism coverage available on substantially the same terms as the underlying policy; the insured may accept or reject, and the premium for terrorism coverage must be separately and conspicuously disclosed.The insurer must include terrorism coverage automatically in every commercial policy at no additional premium — though only when the underlying contract contains an explicit waiver, which the scenario doesn't establishThe insurer must offer terrorism coverage only to insureds located in designated high-risk cities, under the alternative procedure that applies only when both parties stipulate to it in writingThe insurer is prohibited from offering terrorism coverage on commercial policies because the federal government provides it directly to insureds, per the safe-harbor exception that activates only for primary-state filings
5. A liability policy's 'other insurance — excess' provision means:
This policy becomes void if any other insurance exists — required under the federal preemption framework that yields here to the state-law ruleThis policy pays first, and other policies are excess to it, per the safe-harbor exception that activates only for primary-state filingsThis policy pays last, only after other collectible insurance is exhausted.This policy shares the loss pro-rata with all other policies.
6. A business is rated for auto insurance based largely on:
Number and classification of vehicles and drivers, territory of operation, and use.Number of offices nationwide — though only when the underlying contract contains an explicit waiver, which the scenario doesn't establishTotal payroll only — required under a separate compliance provision that doesn't reach this fact patternGross sales revenue — applicable to commercial scenarios only, not the personal-lines context
7. Inland marine insurance historically grew out of which line?
Life insurance policy riders that paid death benefits in the form of cargo or commercial goodsSurety bonds for government contracts, which evolved to cover the transit risk on federal shipmentsWorkers compensation, extended to cover employee tools and equipment carried on the jobOcean marine, extended inland to cover goods in transit
8. Which of the following is a risk MANAGEMENT technique, NOT a type of hazard?
Moral hazardRisk transferMorale hazardPhysical hazard
9. Under the PAP, an 'insured' for liability coverage (Part A) includes:
Anyone driving the vehicle, regardless of permission — under the older rule that was superseded by the post-2018 model amendmentsThe named insured, spouse, family members, and any person using the covered auto with the named insured's permission.Only the named insured and spouse — required if and only if the policy includes a co-insurance penalty endorsementOnly licensed drivers listed on the policy — only when the contract was issued before the regulatory amendment described above
10. A Kansas producer disagrees with the Commissioner's final order issued after a hearing. What is the producer's next avenue of relief?
Appeal directly to the National Association of Insurance CommissionersRequest a second administrative hearing before the same hearing officerSeek judicial review in the appropriate Kansas district courtRefile the same application with KID after one full license year
11. A mobile-home owner wants coverage tailored to a manufactured home on a private lot. Which form is most appropriate?
HO-3, written with a manufactured-home valuation endorsement to handle transportation and tie-down exposuresHO-4, because manufactured homes are typically treated as contents rather than as a permanently affixed dwellingHO-7 Mobilehome (or the equivalent Mobile Home Endorsement to an HO policy)DP-1, because the dwelling form is the only product that contemplates structures resting on a chassis or piers
12. The MCS-90 endorsement on a commercial auto policy is required by:
Federal Motor Carrier Safety Administration (FMCSA) for motor carriers operating in interstate commerce.The named insured's voluntary election only with no regulatory mandate at all, which contradicts the federal Motor Carrier Act of 1980 requirement for interstate-carrier financial responsibilityLocal municipal authorities under their commercial vehicle licensing ordinances, a jurisdiction that does not actually impose interstate financial-responsibility filings on motor carriersState insurance departments only under each state's financial-responsibility filing, which is actually a state-level form rather than the federal MCS-90 endorsement required for interstate carriers
13. 'Write-Your-Own' (WYO) insurers under the NFIP:
Sell and service NFIP flood policies under their own brand while the federal government bears the underwriting riskAre prohibited from handling claims and must refer every reported flood loss to a federal claims adjuster employed directly by FEMAAct as fully independent insurers, bearing the entire underwriting risk on every flood policy they issue under their own paperMust be state-owned enterprises or quasi-governmental entities authorized by the state insurance department to issue flood coverage
14. For a life insurance policy, when must insurable interest exist between the applicant and the insured?
Only while premiums are being paid.Both at inception and at the time of loss.At policy inception (application).At the time of loss (death).
15. A commercial general liability policy has a deposit premium of $12,000 based on an estimate of $1M in annual receipts. The audit at year-end shows actual receipts of $1.4M. What does the insurer do?
Bill an additional premium for the difference between estimated and actual exposure.Cancel the policy retroactively — applicable to surplus-lines placements, which the scenario explicitly excludesRefund 40% of the premium because the insured was overcharged — required if and only if the policy includes a co-insurance penalty endorsementRefund nothing and keep the $12,000 as the final premium — required under the federal preemption framework that yields here to the state-law rule
16. Workers compensation benefits are generally provided without regard to fault because:
Employers are strictly liable in every case, per the safe-harbor exception that activates only for primary-state filingsWC is a voluntary benefit employees must accept — required under the federal preemption framework that yields here to the state-law ruleCourts prohibit WC from considering fault, consistent with the NAIC model treatment of separate-account products (not the general-account product here)WC is a no-fault, exclusive-remedy statutory bargain: the employee gives up the right to sue for most workplace injuries in exchange for prompt, defined benefits.
17. The doctrine of 'res ipsa loquitur' ('the thing speaks for itself') is used to:
Establish strict liability for all product defects — required if and only if the policy includes a co-insurance penalty endorsementBar recovery for a plaintiff who is partially at fault — only when the contract was issued before the regulatory amendment described aboveAutomatically trigger punitive damages, under the broader consumer-protection construction sometimes applied here, consistent with the model regulation but inapplicable to this scenarioAllow an inference of negligence when an accident is of a kind that ordinarily does not happen absent negligence, and the instrumentality was under the defendant's exclusive control.
18. A Kansas insurer raises an applicant's homeowners premium partly because of credit information. Under KSA 40-5101 et seq., what must the insurer send?
A waiver form the applicant must sign before coverage bindsA copy of the insurer's full rate filing and manual pagesA neutral credit score worksheet signed by the underwriterAn adverse action notice stating the reasons for the decision
19. Which is NOT eligible for a standard BOP?
A small accounting firm occupying 1,500 sq ft — applicable to surplus-lines placements, which the scenario explicitly excludesA dentist's office of 2,000 sq ft — under the older rule that was superseded by the post-2018 model amendmentsAn auto repair garage specializing in engine rebuilds (auto service operation).A neighborhood hardware store with $800,000 annual receipts — required if and only if the policy includes a co-insurance penalty endorsement
20. Under a standard ISO homeowners policy, within what time frame must an insured submit a signed, sworn proof of loss after the insurer requests one?
Within 30 days of the insurer's requestImmediately upon requestWithin 60 days of the insurer's requestWithin one year of the date of loss

Want a different set? Refresh the page for 20 new questions — the full course has 500+, each with a complete explanation, plus full-length timed exam simulations and an AI tutor.