Connecticut Casualty Adjuster for All Lines
Questions and Already Passed Answers 2025
1. Which of the following professional liability policies would also cover bodily
injury damages?
Architects and Engineers E&O Insurance agents E&O Lawyers E&O
Fiduciary Legal Liability--- correct answer --- Architects and Engineers E&O
2. A person, firm, or corporation that, for compensation, acts on behalf of an
insured in negotiating the settlement of certain claims for loss or damage to
property is known as a/an;
independent adjuster specialty adjuster public adjuster
staff adjuster--- correct answer --- public adjuster
3. Alternative dispute resolutions (ADRs) are procedures to help settle dis-
putes using all of the following, EXCEPT;
mediation arbitration litigation
negotiation--- correct answer --- Litigation
4. All of the following are excluded under the Commercial Crime "Inside the
Premises - Theft of Money and Securities" insuring agreement, EXCEPT;
dishonest acts of customers fire
vandalism
accounting errors--- correct answer --- dishonest acts of customers - fire,
vandalism, and accounting errors are specifically excluded in this insuring
agreement
,5. If the insd, covered under a Homeowners policy, suffers the loss of an article
that is part of a pair or set. All of the following are options for the insurer to settle
the loss, EXCEPT;
repair any part to restore the pair or set to its value before the loss
pay the difference between the ACV of the property before and after the loss pay
for the replacement cost of the entire pair or set
replace any part to restore the pair or set to its value before the loss--- correct
answer --- Pay for the replacement cost of the entire pair or set
6. If the Commissioner finds an intentional violation of the privacy regulations
regarding the sale or disclosure of personal medical information, the Commis-
sioner may impose a penalty of up to for each violation.
$2,000
$10,000
$5,000
$2,500--- correct answer --- $5,000 - If the Commissioner finds that a person
intentionally violated the privacy laws, a penalty of $5,000 for each violation may
be imposed, but not to exceed $50,000 in aggregate. If the Commissioner finds that
there has been a violation of the prohibitions against the sale or disclosure of
identifiable medical record info, the Commissioner may impose a penalty of up to
$20,000 for each violation, but not to exceed $100,000 in the aggregate for
multiple violations
7. The insured is covered under an HO-6 form. The Coverage A limit is
,$500,000. The insured also owns a separate three-car garage adjacent to the
condominium building worth $100,000. Which of the following statements is true
regarding coverage for the garage?
The garage is not covered under the HO-6 form
The garage is covered under Coverage B - Other Structures
The garage is covered for 10% of the $500,000 limit as an additional amount of
insurance
The garage is covered as part of the $500,000 Coverage A limit--- correct answer -
-- The garage is covered as part of the $500,000 Coverage A limit. Under an HO-6
form, structures owned solely by the insured, other than the residence premises,
but located at the residence premises, are covered as part of Coverage A. The
garage is part of the Coverage A limit chosen by the insured.
8. Insurance binders in Connecticut are valid for days.
120
90
60
45--- correct answer --- 60
9. The principle of indemnity is illustrated by which of the following?
Restores an insured to the same condition enjoyed before a loss Allows an insured
to profit from a loss
Limits recovery to actual cash value
, Requires an insured to assign any right of recovery against a third part--- correct
answer --- Re- stores an insured to the same condition enjoyed before a loss
10. A business adjusting claims in Connecticut without a license is subject to;
A fine of $10,000
A fine of $2,000 and imprisonment for one year, or both Denial of future licensure
A fine of $500--- correct answer --- A fine of $2,000 and imprisonment for one
year, or both
11. An insured carries a liability policy and an umbrella policy. The verdict in a
personal injury liability suit was higher than the insured's underlying liability
policy's limit of insurance. In this situation;
The insured, the insurance company providing the insured's underlying policy and
the company providing the insured's umbrella policy must agree on an appeal and
share the expenses of that appeal
Neither the insured's underlying insurer nor the umbrella insurer may appeal
without the insured's agreement
The insurance company providing the insured's umbrella liability policy can appeal
the case at its own expense even if the insured and the company providing the
underlying policy do not appeal
The case cannot be appealed by any of the parties--- correct answer --- The
insurance company providing the insured's umbrella liability policy can appeal the
case at its own expense even if the insured and the company providing the
underlying policy do not appeal
12. Jones Construction Company has a CGL policy with coverage dates of
03/01/17 to 03/01/18. The per occurrence limit is $500,000 and the general
aggregate limit of $1,000,000. The maximum that can be paid out on the insured's
behalf is--- correct answer --- $1,000,000
Questions and Already Passed Answers 2025
1. Which of the following professional liability policies would also cover bodily
injury damages?
Architects and Engineers E&O Insurance agents E&O Lawyers E&O
Fiduciary Legal Liability--- correct answer --- Architects and Engineers E&O
2. A person, firm, or corporation that, for compensation, acts on behalf of an
insured in negotiating the settlement of certain claims for loss or damage to
property is known as a/an;
independent adjuster specialty adjuster public adjuster
staff adjuster--- correct answer --- public adjuster
3. Alternative dispute resolutions (ADRs) are procedures to help settle dis-
putes using all of the following, EXCEPT;
mediation arbitration litigation
negotiation--- correct answer --- Litigation
4. All of the following are excluded under the Commercial Crime "Inside the
Premises - Theft of Money and Securities" insuring agreement, EXCEPT;
dishonest acts of customers fire
vandalism
accounting errors--- correct answer --- dishonest acts of customers - fire,
vandalism, and accounting errors are specifically excluded in this insuring
agreement
,5. If the insd, covered under a Homeowners policy, suffers the loss of an article
that is part of a pair or set. All of the following are options for the insurer to settle
the loss, EXCEPT;
repair any part to restore the pair or set to its value before the loss
pay the difference between the ACV of the property before and after the loss pay
for the replacement cost of the entire pair or set
replace any part to restore the pair or set to its value before the loss--- correct
answer --- Pay for the replacement cost of the entire pair or set
6. If the Commissioner finds an intentional violation of the privacy regulations
regarding the sale or disclosure of personal medical information, the Commis-
sioner may impose a penalty of up to for each violation.
$2,000
$10,000
$5,000
$2,500--- correct answer --- $5,000 - If the Commissioner finds that a person
intentionally violated the privacy laws, a penalty of $5,000 for each violation may
be imposed, but not to exceed $50,000 in aggregate. If the Commissioner finds that
there has been a violation of the prohibitions against the sale or disclosure of
identifiable medical record info, the Commissioner may impose a penalty of up to
$20,000 for each violation, but not to exceed $100,000 in the aggregate for
multiple violations
7. The insured is covered under an HO-6 form. The Coverage A limit is
,$500,000. The insured also owns a separate three-car garage adjacent to the
condominium building worth $100,000. Which of the following statements is true
regarding coverage for the garage?
The garage is not covered under the HO-6 form
The garage is covered under Coverage B - Other Structures
The garage is covered for 10% of the $500,000 limit as an additional amount of
insurance
The garage is covered as part of the $500,000 Coverage A limit--- correct answer -
-- The garage is covered as part of the $500,000 Coverage A limit. Under an HO-6
form, structures owned solely by the insured, other than the residence premises,
but located at the residence premises, are covered as part of Coverage A. The
garage is part of the Coverage A limit chosen by the insured.
8. Insurance binders in Connecticut are valid for days.
120
90
60
45--- correct answer --- 60
9. The principle of indemnity is illustrated by which of the following?
Restores an insured to the same condition enjoyed before a loss Allows an insured
to profit from a loss
Limits recovery to actual cash value
, Requires an insured to assign any right of recovery against a third part--- correct
answer --- Re- stores an insured to the same condition enjoyed before a loss
10. A business adjusting claims in Connecticut without a license is subject to;
A fine of $10,000
A fine of $2,000 and imprisonment for one year, or both Denial of future licensure
A fine of $500--- correct answer --- A fine of $2,000 and imprisonment for one
year, or both
11. An insured carries a liability policy and an umbrella policy. The verdict in a
personal injury liability suit was higher than the insured's underlying liability
policy's limit of insurance. In this situation;
The insured, the insurance company providing the insured's underlying policy and
the company providing the insured's umbrella policy must agree on an appeal and
share the expenses of that appeal
Neither the insured's underlying insurer nor the umbrella insurer may appeal
without the insured's agreement
The insurance company providing the insured's umbrella liability policy can appeal
the case at its own expense even if the insured and the company providing the
underlying policy do not appeal
The case cannot be appealed by any of the parties--- correct answer --- The
insurance company providing the insured's umbrella liability policy can appeal the
case at its own expense even if the insured and the company providing the
underlying policy do not appeal
12. Jones Construction Company has a CGL policy with coverage dates of
03/01/17 to 03/01/18. The per occurrence limit is $500,000 and the general
aggregate limit of $1,000,000. The maximum that can be paid out on the insured's
behalf is--- correct answer --- $1,000,000
