OHIO PROPERTY AND CASUALTY EXAM 2026
FINAL REVIEW PACK COMPLETE QUESTION
SET AND CORE CONCEPT SUMMARY
◉ J is reading his homeowners policy and there is language that
states that while each insured is covered but the limit of his coverage
is not increased for any single occurrence. J is reading his: Answer:
severability of insurance clause
◉ Which of the following is a judicial bond? Answer: Replevin bond
◉ Which of the following Homeowners forms is not named perils
coverage? Answer: HO-5
◉ Collision coverage under Garagekeepers form will not cover:
Answer: burning of the auto during transport
◉ One day D is grocery shopping with his wife B. Upon exiting the
store B and D get into a verbal disagreement. Out of rage, D decides
to throw the cart halfway across the parking lot and misses the cart
return station and hits another customer parked car. D actions
would be considered to be Answer: Negligent
,◉ A standard Ohio commercial auto policy will provide all the
following except? Answer: Protect the company and the employee
who are being sued
◉ Which element of a contract constitutes a definite and unqualified
proposal by one party to another? Answer: Offer
◉ J owns a business that is run out of a marina and he is required to
have both state and federal workers compensation insurance. J's
agent suggests that he should have coverage for his employees that
are dock workers. This type of coverage is explained under which of
the following laws? Answer: U.S. Longshore and Harbors Workers'
Compensation Act
◉ An individual who removes the risk of losing money in the stock
market by never purchasing stocks is said to be engaging in Answer:
Risk Avoidance
◉ All of the following are common conditions of a Commercial
Package policy, EXCEPT: Answer: An insurer has during the entire
policy period and then up to 5 years after coverage expires to audit
the insured's books and records recording coverage
◉ Under the conditions section of a business auto policy: Answer:
will include all sales tax for damaged or stolen property
, ◉ The employee of a business spills coffee near an elevator and
leaves without cleanup and 30 minutes later a business vendor of
the insured slips and falls on the coffee and is injured... Answer:
Operations
◉ An insurer may cancel a policy for all the following reasons
EXCEPT: Answer: Changes in coverage at the request of the insured
◉ H is reading through his HO-4 policy and keeps seeing the
language "you" and "your". Under HO contract definitions, "you" and
"your" refers to: Answer: the insured and the spouse of the insured
who lives at the same address of the insured
◉ A state that operates a workers compensation insurance fund in
direct competition with private insurance carries is known as
Answer: competitive state
◉ Who of the following would be an example of a dram? Answer:
Buddy's Dive Bar & Grill
◉ An employee who is totally disabled for a period of ____ week(s) or
more will be compensated for the no compensation period Answer:
Two weeks
FINAL REVIEW PACK COMPLETE QUESTION
SET AND CORE CONCEPT SUMMARY
◉ J is reading his homeowners policy and there is language that
states that while each insured is covered but the limit of his coverage
is not increased for any single occurrence. J is reading his: Answer:
severability of insurance clause
◉ Which of the following is a judicial bond? Answer: Replevin bond
◉ Which of the following Homeowners forms is not named perils
coverage? Answer: HO-5
◉ Collision coverage under Garagekeepers form will not cover:
Answer: burning of the auto during transport
◉ One day D is grocery shopping with his wife B. Upon exiting the
store B and D get into a verbal disagreement. Out of rage, D decides
to throw the cart halfway across the parking lot and misses the cart
return station and hits another customer parked car. D actions
would be considered to be Answer: Negligent
,◉ A standard Ohio commercial auto policy will provide all the
following except? Answer: Protect the company and the employee
who are being sued
◉ Which element of a contract constitutes a definite and unqualified
proposal by one party to another? Answer: Offer
◉ J owns a business that is run out of a marina and he is required to
have both state and federal workers compensation insurance. J's
agent suggests that he should have coverage for his employees that
are dock workers. This type of coverage is explained under which of
the following laws? Answer: U.S. Longshore and Harbors Workers'
Compensation Act
◉ An individual who removes the risk of losing money in the stock
market by never purchasing stocks is said to be engaging in Answer:
Risk Avoidance
◉ All of the following are common conditions of a Commercial
Package policy, EXCEPT: Answer: An insurer has during the entire
policy period and then up to 5 years after coverage expires to audit
the insured's books and records recording coverage
◉ Under the conditions section of a business auto policy: Answer:
will include all sales tax for damaged or stolen property
, ◉ The employee of a business spills coffee near an elevator and
leaves without cleanup and 30 minutes later a business vendor of
the insured slips and falls on the coffee and is injured... Answer:
Operations
◉ An insurer may cancel a policy for all the following reasons
EXCEPT: Answer: Changes in coverage at the request of the insured
◉ H is reading through his HO-4 policy and keeps seeing the
language "you" and "your". Under HO contract definitions, "you" and
"your" refers to: Answer: the insured and the spouse of the insured
who lives at the same address of the insured
◉ A state that operates a workers compensation insurance fund in
direct competition with private insurance carries is known as
Answer: competitive state
◉ Who of the following would be an example of a dram? Answer:
Buddy's Dive Bar & Grill
◉ An employee who is totally disabled for a period of ____ week(s) or
more will be compensated for the no compensation period Answer:
Two weeks
