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Washington Casualty Practice Exam

20 exam-style questions drawn from the same bank as our full Washington Casualty course (Washington 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. On a business auto policy, Symbol 3 means
Hired autos onlyOwned private passenger autosSpecifically described autosOwned autos other than private
2. An accountant has carried claims-made professional liability since 2018 with no gaps. The retroactive date on her current policy is 2018. In 2025, a client sues her for a 2019 tax preparation error. Coverage responds because:
Claims-made policies always cover prior years' work under the perpetual-prior-acts rule that automatically picks up every pre-policy professional serviceThe wrongful act occurred after the retroactive date and the claim was first made during the current policy periodTax errors are covered without time limits under the unlimited-discovery rule that the tax-prep underwriting class applies to all professional E&O programsThe 2018 policy provides coverage for all subsequent years under the original-policy-attaches doctrine that fixes liability on the inception carrier in claims-made
3. The part of a personal auto policy that pays the insured's injuries caused by a driver with no insurance is
Part DPart BPart CPart A
4. A boiler in an office building explodes, damaging the building and injuring two employees. The CGL excludes such losses. Which coverage line addresses the property damage portion?
Equipment Breakdown (formerly Boiler & Machinery), covering sudden and accidental breakdown of pressure vessels, electrical equipment, and similar systemsCGL Coverage A, Bodily Injury and Property Damage, picking up the building damage as a third-party property damage event covered under the standard liability formBuilders Risk, applying the broad-form open-perils trigger that covers any explosive incident at a commercial propertyCoverage C, Medical Payments, applying the no-fault premises-medical-payments coverage to the building damage
5. Which duty do RCW 48.17.450 and RCW 48.17.460 place on a Washington licensee?
Maintain an errors and omissions policy of at least one million dollars in limitsMaintain a place of business accessible to the public and display the licence thereMaintain a bond in favour of the people of Washington in an amount set by the insurerMaintain a separate trust account at a federally insured bank in Washington state
6. RCW 48.17.060 makes a licence necessary before a person may do which of the following?
Sell, solicit or negotiate insurance in this state for any line or lines of insuranceServe as a director of an authorized insurer domiciled within Washington stateOwn shares in an insurance agency organised as a Washington business entityCopy and file the paper records of an agency's issued and cancelled policies
7. The standard ISO CGL form (CG 00 01) is written on which trigger?
Modified discoveryPure occurrenceClaims-madeOccurrence with retroactive date
8. Why does the policy require the insured to do nothing after a loss that would impair subrogation?
Subrogation converts a first-party property claim into a third-party liability claimSubrogation keeps the responsible party responsible and prevents a double recoverySubrogation obliges the claimant to sue the insured before claiming on the policySubrogation allows the insurer to recover the deductible from its own insured
9. On a business auto policy, the covered auto symbol for hired autos only is
Symbol 8Symbol 9Symbol 7Symbol 1
10. A producer obtains a 1033 written consent. What does that consent NOT do?
It does not have to be in writing if the regulator confirms the decision by telephoneIt does not discharge the duty to report the conviction to the Washington CommissionerIt does not need to be obtained before the person begins transacting insurance businessIt does not permit the person to engage in the business of insurance in that state
11. An insured sues her own auto carrier under the UM/UIM coverage after a hit-and-run driver caused her $80,000 in injuries. The carrier disputes liability. In litigating UM/UIM, the insured's posture is best described as:
She is treated as a first-party property claimant and need only prove the loss occurred.She cannot sue her own carrier; UM/UIM disputes must go to mandatory binding arbitration in every state.She must first exhaust all other policies, including health insurance, before pursuing UM/UIM.She effectively steps into the shoes of the uninsured tortfeasor and must prove the third party's liability and damages.
12. A Washington producer gives a client a $50 restaurant gift card as an inducement to buy a homeowners policy. What is the position?
It is unlawful twisting, because it induces the client to replace an existing policyIt is permitted, because gifts up to $100 per person in any twelve-month period are exceptedIt is permitted only if the client signs a written acknowledgment before the policy is issuedIt is unlawful rebating, because anything of value given as an inducement is prohibited
13. A fact that would change an underwriter's decision is a
Material factMinor factWarrantyCondition
14. CGL medical payments limits apply
Per policyPer vehiclePer personPer claim made
15. Damages for the time a person cannot use a damaged car are
Diminished valueIndirect lossLoss of useSalvage value
16. A bond guaranteeing that a contractor who wins a bid will sign the contract is a
Payment bondBid bondBail bondPerformance bond
17. On a surety bond, the party protected if the principal fails to perform is the
PrincipalClaimantSuretyObligee
18. A homeowner buys a house and obtains a homeowners policy on it. A month later he sells the house and uses the cash to lease an apartment, retaining no interest in the original property. Two months after the sale, the original house burns and the prior owner files a claim under his still-in-force policy. The claim will be denied because the prior owner lacked insurable interest:
At the time of loss, property insurance requires insurable interest both at inception AND at the time of lossAt policy inception, the prior owner had a valid interest only when the policy was issued, applying the life-insurance inception-only ruleOnly in commercial policies, not residential, applying the small-residential safe harbor that exempts owner-occupied dwellings from the indemnity-interest ruleOnly if the insurer demands proof of interest, under the silence-as-waiver rule that excuses the insured from proving any interest unless first asked
19. Liability coverage for the managers of a corporation for wrongful acts in running it is
Fiduciary liabilityEmployment practicesDirectors and officersErrors and omissions
20. Damages that repay an injured person for actual losses, including both special and general damages, are
Punitive damagesNominal damagesCompensatory damagesExemplary damages

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