Page 1 of 224
Connecticut (Ct) Malpractice Insurance Exam
2026–2027 | Comprehensive Question
Practice Test with Answers & Rationales| Free
Pdf Access
Question 1
Scenario: A newly licensed insurance agent is reviewing
coverage options with a client. The client asks about protection
against claims of professional mistakes.
Professional Liability (E&O) insurance primarily protects:
A) The insured's property
B) The insured against claims of negligence, errors, or omissions in
professional services
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C) Auto accidents
D) Employee injuries
Correct answer: B
Rationale: E&O insurance covers lawsuits alleging mistakes,
negligence, or failure to perform professional duties . It protects
the professional's assets from claims arising from services
provided to clients.
Question 2
Scenario: An insurance broker is identifying which professionals
in a business networking group would most likely need E&O
coverage.
Which of the following professionals typically purchase E&O
insurance?
,Page 3 of 224
A) Doctors, lawyers, architects
B) Car mechanics
C) Factory workers
D) Retail cashiers
Correct answer: A
Rationale: Professionals who provide advice or specialized
services need protection against liability claims . Doctors,
lawyers, and architects are classic examples of professionals
exposed to lawsuits alleging errors in their services.
Question 3
Scenario: A policyholder filed a claim after a client alleged
financial loss from a professional miscalculation. The insured asks
what type of loss is covered.
E&O insurance covers:
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A) Property damage
B) Bodily injury
C) Financial losses resulting from professional errors
D) Vehicle collisions
Correct answer: C
Rationale: Professional liability insurance is designed to protect
against monetary losses caused by mistakes in professional
services . It does not cover property damage or bodily injury.
Question 4
Scenario: A client is reviewing potential liability scenarios with
their insurance agent and wants an example of a claim that
would trigger E&O coverage.
A common claim covered by E&O insurance is:
Connecticut (Ct) Malpractice Insurance Exam
2026–2027 | Comprehensive Question
Practice Test with Answers & Rationales| Free
Pdf Access
Question 1
Scenario: A newly licensed insurance agent is reviewing
coverage options with a client. The client asks about protection
against claims of professional mistakes.
Professional Liability (E&O) insurance primarily protects:
A) The insured's property
B) The insured against claims of negligence, errors, or omissions in
professional services
,Page 2 of 224
C) Auto accidents
D) Employee injuries
Correct answer: B
Rationale: E&O insurance covers lawsuits alleging mistakes,
negligence, or failure to perform professional duties . It protects
the professional's assets from claims arising from services
provided to clients.
Question 2
Scenario: An insurance broker is identifying which professionals
in a business networking group would most likely need E&O
coverage.
Which of the following professionals typically purchase E&O
insurance?
,Page 3 of 224
A) Doctors, lawyers, architects
B) Car mechanics
C) Factory workers
D) Retail cashiers
Correct answer: A
Rationale: Professionals who provide advice or specialized
services need protection against liability claims . Doctors,
lawyers, and architects are classic examples of professionals
exposed to lawsuits alleging errors in their services.
Question 3
Scenario: A policyholder filed a claim after a client alleged
financial loss from a professional miscalculation. The insured asks
what type of loss is covered.
E&O insurance covers:
, Page 4 of 224
A) Property damage
B) Bodily injury
C) Financial losses resulting from professional errors
D) Vehicle collisions
Correct answer: C
Rationale: Professional liability insurance is designed to protect
against monetary losses caused by mistakes in professional
services . It does not cover property damage or bodily injury.
Question 4
Scenario: A client is reviewing potential liability scenarios with
their insurance agent and wants an example of a claim that
would trigger E&O coverage.
A common claim covered by E&O insurance is:
