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Utah Casualty Practice Exam

20 exam-style questions drawn from the same bank as our full Utah Casualty course (Utah Insurance Producer - 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. Umbrella coverage that takes the place of underlying coverage when the underlying aggregate is used up is
Follow form coverageDrop down coveragePrimary coverageExcess coverage
2. A binder is issued by
The state regulatorThe premium finance firmThe applicantAn agent with authority
3. The amount the insured must pay on a claim covered by an umbrella but not by any underlying policy is the
Self-insured retentionAttachment pointDeductibleCoinsurance
4. Under Utah's producer-conduct prohibitions in section 31A-23a-402, which of the following is expressly prohibited?
Charging a producer's standard agency fee disclosed in writing at the point of saleQuoting different premiums to applicants in different ZIP codes based on filed loss costsRebating any portion of the premium not specified in the policyDeclining a risk that fails the carrier's filed underwriting guidelines
5. Most professional liability policies are written on a:
Claims-made trigger with retroactive date and (often) extended reporting period (ERP / 'tail')Pure occurrence trigger like the CG 00 01 commercial general liability occurrence form, which is uncommon for professional E&O linesDiscovery basis only, a trigger associated with ISO commercial crime forms rather than professional liability E&O policiesLoss-paid basis triggered solely by actual payment of indemnity, which is a workers' compensation Part Two construct rather than a professional E&O trigger
6. The standard ISO CGL form (CG 00 01) is written on which trigger?
Modified discoveryPure occurrenceClaims-madeOccurrence with retroactive date
7. A roofing contractor installs shingles improperly. Two years later the shingles begin leaking, water damages the homeowner's drywall and a leather sofa, and the homeowner sues for $18,000. The CGL 'your work' exclusion under Coverage A applies to which portion of the loss?
Nothing, the policy expired before the leak appeared and the late-manifestation rule shifts liability entirely to the current homeowner's HO policyOnly the cost to tear off and replace the defective shingles themselves, damage to the drywall and sofa remains coveredThe entire loss, because faulty workmanship is excluded in full under the absolute-workmanship-bar rule applied to all contractor CGL formsOnly the sofa, because personal property is excluded from the contractor's own-work carveout under the standard CGL exclusion l language
8. A fidelity bond that lists the employees it covers by name is a
Blanket bondName schedule bondSurety bondPosition bond
9. Another name for punitive damages is
General damagesNominal damagesExemplary damagesSpecial damages
10. Damages for the time a person cannot use a damaged car are
Diminished valueIndirect lossLoss of useSalvage value
11. An employer's experience modification (mod) for the upcoming policy year is 1.18. Manual premium is $200,000. The employer also qualifies for a 7% schedule credit. Ignoring premium discounts and expense constants, what is the modified premium before discount?
$200,000 × 1.18 = $236,000, schedule credit is not stacked on the mod$200,000 × (1.18 − 0.07) = $222,000$219,480, manual premium × mod, then × (1 − schedule credit)$200,000 × 1.11 = $222,000, mod and credit are netted first
12. Intentional deception to obtain an unfair advantage, such as staging a claim, is
ConcealmentEstoppelWaiverFraud
13. A surety bond involves three parties:
Insurer, agent, insuredEmployer, employee, beneficiaryLender, borrower, mortgageePrincipal, obligee, surety
14. A casualty exposure arises primarily out of:
First-party direct physical damage to the insured's own building and business contentsThe insured's speculative gains and losses on equity and commodity market positionsPure speculation on outcomes the insured has no control over, such as market pricesThe insured's potential legal liability to others for bodily injury or property damage
15. A personal auto policy lists the insured and her spouse. Her adult son lives with them and uses one of the family vehicles regularly. He causes a crash. The carrier asserts no coverage because the son is not listed by name. Is the carrier correct?
Yes, only named drivers are covered under the listed-driver-only rule built into the standard PAP for any household with an adult child living at the residence shown on the declarations.Yes, adult children are categorically excluded under the eighteen-and-over carveout that drops resident relatives from the PAP definition of insured persons once they reach majority.No, standard PAP language extends coverage to family members residing in the household, even if not specifically listed.Yes, unless the son paid premium under the consideration-trigger rule that conditions PAP coverage on each resident relative making a financial contribution toward the policy.
16. Three losses at a convenience store: (1) overnight, someone breaks the window and steals $200 from a closed register; (2) an armed person enters during business hours and demands the cash drawer ($350); (3) an employee pockets $80 from the till at the end of shift. Which crime-coverage labels match?
(1) robbery, (2) burglary, (3) theft(1) theft, (2) burglary, (3) robbery(1) burglary, (2) robbery, (3) theft (employee dishonesty)All three are theft, robbery and burglary are obsolete terms
17. A plan that applies debits and credits for features of a risk is
Retrospective ratingExperience ratingManual ratingSchedule rating
18. A delivery driver is robbed at gunpoint while transporting $8,000 in deposit cash to the bank. The crime policy carries $10,000 'Money and Securities, Inside the Premises' and $5,000 'Money and Securities, Outside the Premises.' Which limit applies?
Inside the Premises, because the cash originated inside the building before it was taken outBoth limits, on a pro rata basis, because the loss began inside and ended outside the premisesNeither, because armed robbery requires a separate robbery and safe burglary coverage formOutside the Premises, the loss occurred while the messenger was off-site, regardless of origin
19. Coverage for the insured's injuries when the at-fault driver has insurance but too little to pay the loss is
Underinsured motoristsUninsured motoristsMedical paymentsExcess liability
20. The part of the premium for the coverage period that has not yet passed is the
Deposit premiumUnearned premiumEarned premiumAudit premium

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