CONNECTICUT ALL LINES EXCEPT
WORKERS COMP ADJUSTER
COMPREHENSIVE TEST 2026 QUESTIONS
WITH ANSWERS GRADED A+
⩥ Which of the following bests describes the process of mediation?
Answer: Both parties present their dispute to a person usually in the
legal profession; nothing is binding on either party
⩥ What would be covered under a BOP? Answer: Hardware store
⩥ Amelia has suffered a covered collision loss to her vehicle. The
insurer requires that her vehicle be repaired at a repair shop of the
insurer's choice. The insurer: Answer: Is guilty of an unfair claims
practice act
⩥ Watercraft owned by the insured are excluded from coverage under a
Commercial General Liability policy EXCEPT when the watercraft is:
Answer: Ashore on the insured's premises
⩥ Which of the following is an example of an "assumption of risk"?
Answer: Fred was in a hurry to get to work. He took a shortcut over a
bridge marked "condemned," which collapsed under his weight
,⩥ In an insurance policy, who is considered to be the principal? Answer:
Insurer -
The principal is the party who promises to do (or not do) a specific
thing. In a property and casualty insurance policy the principal would be
the insurance company. In surety bonding the principal is the person
being bonded to perform
⩥ The insured carries crime coverage Insuring Agreement 6 "Computer
Fraud." Funds have been secretly transferred from his checking and
savings account to a bank account in Switzerland. The insured reports
the loss of funds. What will the insurance company do? Answer: Pay the
claim if the funds were not transferred to a messenger of the insured off
premises
⩥ What statement is true about an insured who wishes to cancel his or
her insurance policy? Answer: The insured may cancel the policy at any
time
⩥ An unendorsed claims made form CGL policy will respond to claims
reported during the policy period and up to _____days after the policy
expires. Answer: 60
⩥ An applicant states on a personal automobile application that she has
had no accidents within the past three years. She later corrects this
, statement to include a claim that occurred two years ago. This is an
example of: Answer: A representation.
A representation is a statement that is believed to be true when made,
which might prove to be false. A warranty is a statement that is
guaranteed to be correct. In this case, the applicant made no apparent
attempt to conceal or misrepresent the time when the accident occurred.
⩥ Joe's 21-pound cat runs into the neighbor's yard and severely scratches
the neighbor's arms and face. What would apply to the neighbor's
emergency room bills? Answer: Joe's homeowners policy under the
Personal Liability section
⩥ The Homeowners Policy excludes liability coverage for which of the
following motorized vehicles owned by an insured? Answer: A
Snowmobile operated off the insured's premises
⩥ What is a correct description of the medical expenses limit in the
liability section of the BOP? Answer: Per person, per occurrence
⩥ Which of the following terms may be properly applied to negligence?
I. Civil wrong.
II. Unintentional.
III. A tort. Answer: ALL THREE
WORKERS COMP ADJUSTER
COMPREHENSIVE TEST 2026 QUESTIONS
WITH ANSWERS GRADED A+
⩥ Which of the following bests describes the process of mediation?
Answer: Both parties present their dispute to a person usually in the
legal profession; nothing is binding on either party
⩥ What would be covered under a BOP? Answer: Hardware store
⩥ Amelia has suffered a covered collision loss to her vehicle. The
insurer requires that her vehicle be repaired at a repair shop of the
insurer's choice. The insurer: Answer: Is guilty of an unfair claims
practice act
⩥ Watercraft owned by the insured are excluded from coverage under a
Commercial General Liability policy EXCEPT when the watercraft is:
Answer: Ashore on the insured's premises
⩥ Which of the following is an example of an "assumption of risk"?
Answer: Fred was in a hurry to get to work. He took a shortcut over a
bridge marked "condemned," which collapsed under his weight
,⩥ In an insurance policy, who is considered to be the principal? Answer:
Insurer -
The principal is the party who promises to do (or not do) a specific
thing. In a property and casualty insurance policy the principal would be
the insurance company. In surety bonding the principal is the person
being bonded to perform
⩥ The insured carries crime coverage Insuring Agreement 6 "Computer
Fraud." Funds have been secretly transferred from his checking and
savings account to a bank account in Switzerland. The insured reports
the loss of funds. What will the insurance company do? Answer: Pay the
claim if the funds were not transferred to a messenger of the insured off
premises
⩥ What statement is true about an insured who wishes to cancel his or
her insurance policy? Answer: The insured may cancel the policy at any
time
⩥ An unendorsed claims made form CGL policy will respond to claims
reported during the policy period and up to _____days after the policy
expires. Answer: 60
⩥ An applicant states on a personal automobile application that she has
had no accidents within the past three years. She later corrects this
, statement to include a claim that occurred two years ago. This is an
example of: Answer: A representation.
A representation is a statement that is believed to be true when made,
which might prove to be false. A warranty is a statement that is
guaranteed to be correct. In this case, the applicant made no apparent
attempt to conceal or misrepresent the time when the accident occurred.
⩥ Joe's 21-pound cat runs into the neighbor's yard and severely scratches
the neighbor's arms and face. What would apply to the neighbor's
emergency room bills? Answer: Joe's homeowners policy under the
Personal Liability section
⩥ The Homeowners Policy excludes liability coverage for which of the
following motorized vehicles owned by an insured? Answer: A
Snowmobile operated off the insured's premises
⩥ What is a correct description of the medical expenses limit in the
liability section of the BOP? Answer: Per person, per occurrence
⩥ Which of the following terms may be properly applied to negligence?
I. Civil wrong.
II. Unintentional.
III. A tort. Answer: ALL THREE
