NJ Casualty And Property Insurance III Copy

In the homeowners forms,

Which one of the following illustrates the concept of contributory negligence?. Martin buys a tanning bed for his home. Although he follows the manufacturer’s directions to the letter, he is severely burned after spending five minutes in the bed.

The Garage coverage form covers liability arising out of which of the following?

Which of the following properties would not be excluded under the Building and Personal Property coverage form?

Who may cancel a CPP?

For how long after the date of a direct physical loss will the insurance company pay for extra expenses under the extra expense additional coverage?

Which of the following could be covered under the Liability section of a named insured’s Personal Auto policy?

Which of the following would be eligible for a Personal Auto policy?

Theft generally means which of the following?

Which of the following are excluded under Business Auto Liability coverage?

Which of these statements about Coverage C of a homeowners policy are correct?

Which portion of the Garage coverage form covers liability for damage to property of others in the insured’s care, custody, or control?

Each of the following is true about the National Flood Insurance Program except which one?

Ann’s auto was damaged when it was struck by another car whose driver ran a stop sign. Which part of Ann’s Personal Auto policy will cover the damage to her car?

The written agency contract between an insurer and an agent constitutes the agent’s

J&M Industries does not have a group health insurance plan for its employees. Instead, it pays employees’ medical expenses out of a fund specifically created for this purpose. This is an example of

Which of the following would not be covered under Coverage A or Coverage B of a Dwelling policy?

A mutual insurance company

Which of these items of personal property would be covered under a Dwelling policy when Coverage C is written?

Medical Payments coverage provides protection for all of the following except which one?

What is the limit on Pollutant Cleanup and Removal coverage under the Business and Personal Property coverage form?

Which of the following losses would be covered under the property coverage of a BOP?

Unless a higher limit is shown in the declarations, what is the limit on coverage for business income from dependent properties?

What is the per-year policy limit for coverage of electronic data under the Business and Personal Property coverage form?

Liability that an insured incurs because of the actions of others, such as employees, is called what?

Myrtle has a Dwelling policy with Broad Theft coverage applicable both on and off her premises. Which of the following theft losses would be covered?

The Johnsons’ home is covered by a Special Dwelling policy. When a fire damages the home, the family is forced to stay at a motel for a month while repairs are made. What coverage might reimburse them for these expenses?

The Additional Coverage for collapse is included in which homeowners form(s)?

A business that wants coverage for its liability for employment-related acts can obtain it by purchasing which of the following?

Which of the following could be considered an uninsured motorist?

Which of the following losses would be paid under the Business Auto coverage form’s Comprehensive coverage?

Under liability insurance policies, what does an “aggregate limit” mean?

If coverage for personal liability and medical payments is attached to a dwelling policy, what basic limit of coverage applies to medical payments unless a higher amount is purchased?

Who is responsible for licensing insurance agents?

What is required for an insured’s rights and duties under a CPP to be transferred while the insured is alive?

A breakdown of equipment covered under the Equipment Breakdown Protection coverage form results in the simultaneous breakdown of three other pieces of covered equipment. According to the form, how many “breakdowns” occurred in this loss?

Under the terms of the Suspension provision in the Equipment Breakdown Protection coverage form, coverage on dangerous equipment can be suspended when?

Under the dwelling property forms, personal property moved to a new principal residence will be automatically covered at the new location (subject to policy expiration) for a period of how long?

What is the largest office building risk that might be eligible for a BOP?

Which of the following losses could be covered under the Theatrical Property coverage form?

Which insurance company department is responsible for accepting and rejecting applications based on company standards?

When the special causes of loss form is attached to a commercial property coverage part, coverage for theft of furs and fur garments is limited to how much?

Commercial insureds who need more Liability coverage than provided by a certain policy or want coverage for losses excluded by a certain policy should purchase which of the following?

Under a CPP, when does the Inspections and Surveys condition give the insurance company the right to inspect the insured’s premises?

Which of the following properties can be covered under the Film coverage form? Select all that apply.

A homeowner who wants the maximum protection for her home and personal property should purchase the

Which of the following are true about the 60-day basic extended reporting period? Select all that apply.

A voluntary action to rid the ship of cargo to prevent further damage is called what?

An indirect loss is which of the following?

Which one of the following injuries qualifies as a compensable injury under workers compensation laws?

Which of the following would be covered under the building coverage of the Building and Personal Property coverage form?

Which of the following can be covered under the Physicians and Surgeons Equipment coverage form? Select all that apply.

Which Causes of Loss form provides open peril coverage?

National flood insurance is available for which of the following?

Which of the following is not true about difference in conditions (DIC) insurance?

All of the following types of losses may be covered by the Equipment Breakdown Protection coverage form except which of the following?

Renata’s home is demolished in a fire that started when a neighbor misdirected the fireworks he set off to celebrate the Fourth of July. Renata’s insurance company pays her for the damage, and then files suit against the neighbor to recover the amount it paid for the loss. This is an example of the application of what policy condition?

Which of the following benefits are paid under workers compensation laws?

As a result of a successful lawsuit, Agnes receives $10,000 to cover her specific losses, an additional $40,000 for pain and suffering, and because the defendant was considered to have acted with willful disregard for others’ safety, Agnes was awarded an additional $75,000. This additional $75,000 award can best be described as what type of damages?

Which of the following coverages are provided by Business Auto Physical Damage coverage?

Under a homeowners policy, which of the following classes of personal property have special limits for theft losses, but not for other types of losses?

An insured has a DP-3 covering a home that has a replacement value of $100,000. The insured carries $60,000 of insurance. Following a loss, the determined is made that it would cost $12,000 to replace the damaged portion of the home. How much could the insured collect, assuming the ACV of the loss is $6,000?

Which of the following losses could be paid under Uninsured Motorists coverage? (Assume that there are no endorsements attached to the policy.)

Which of these statements about the Mail coverage form are correct? Select all that apply.

An action that, in a natural and continuous sequence, produces a loss is the

Which of the following is not one of the common law defenses against an employer’s liability?

Something that might increase the likelihood that a loss will occur, is called what?

An agreement between the insured and the insurer that certain conditions will be met is which of the following?

A typical Outboard Motor and Boat policy provides which of the following coverages?

The Excel Insurance Company is incorporated in the state of Tennessee. It is also authorized to do business in Georgia. In Georgia, Excel is known as what type of company?