1|Page
USPA PRO RATING EXAM QUESTIONS AND
ANSWERS 2025
On January 27, 2008, Ryan was using an exercise bike
purchased from NusquamCycle when the chain broke,
causing him to fall and severely bruise his knee. It
seemed to heal just fine, but three years later, on
January 25, 2011, Ryan's knee gave out while jogging.
His doctor told him that he'll need surgery and that this
deterioration resulted from the earlier accident with the
exercise bike. Which of the following CGL policies may
cover Ryan's claim filed January 25, 2011?
A. An occurrence policy from Jan 31 2011-Jan 31 2013
B. An occurrence policy from Feb 28 2008-Feb 28
2010
C. A claims-made policy from Jan 31 2008-Jan 31
2010
D. A claims-made policy from Jan 31 2009-Jan 31
2011 - ...ANSWER... ✔ ✔D
Which of the following statements about Indiana's
approach to Workers' Comp insurance is true?
,2|Page
A. WC is compulsory, and Indiana has no state WC
fund.
B. WC is elective, and Indiana has no state WC fund.
C. WC is elective, and Indiana has a competitive state
WC fund.
D. WC is compulsory, and Indiana has a monopolistic
state WC fund. - ...ANSWER... ✔ ✔A
Who is NOT eligible for a homeowners policy?
A. An owner of a home under construction
B. A person who owns and lives in his house
C. A tenant who rents a home or apartment
D. An owner of a house in which he does not live, but
rents to a tenant - ...ANSWER... ✔ ✔D
Frank owns a bakery specializing in authentic French
bread. He uses two specialty ovens for his daily
production of French bread. If one of these giant ovens
were to break down, it would cost Frank's bakery a lot
of money to repair, not to mention the loss of revenue
caused by lower production. On his Equipment
Breakdown Protection Form, each of Frank's ovens would
be considered:
A. a "peril."
,3|Page
B. an "object."
C. a "machine."
D. a "liability." - ...ANSWER... ✔ ✔B
A dwelling policy would NOT be appropriate for:
A. a duplex owned by an individual.
B. a single-family home wholly rented out.
C. a four-plex owned by a corporation.
D. a motorhome owned by an individual. - ...ANSWER...
✔ ✔D
*Jane has a $150,000 homeowners policy with a 3%
percentage deductible. One night, an oven fire destroys
her kitchen, causing $50,000 in damage. How much of
the damage falls under Jane's responsibility?
A. $4,500
B. $15,000
C. $3,600
D. $1,500 - ...ANSWER... ✔ ✔A
All of the following pieces of information can be found
in the Conditions section of an insurance policy, EXCEPT:
, 4|Page
A. anything the insured must do for coverage to remain
in effect.
B. what the insured must do in the event of a lawsuit.
C. the insured's duties after a loss.
D. causes of loss that are not covered. - ...ANSWER...
✔ ✔D
A few weeks ago Christopher's garage was destroyed
by an out-of-control motorist. Fortunately, the motorist
had sufficient liability insurance to cover the damages.
However, the insurer insists that Christopher's garage is
worth far less than the appraisals he has received from
contractors. Christopher and the insurer have gone back
and forth in negotiations for weeks, making little
headway. Christopher decides it's time to:
A. issue an answer for the policyholder.
B. issue a judgment.
C. issue a complaint against the policyholder.
D. issue a reservation of rights. - ...ANSWER... ✔ ✔C
Which of the following may be covered under an
Equipment Breakdown Protection Coverage Form?
A. Self-propelled equipment
B. Dragline, excavation, and construction equipment
USPA PRO RATING EXAM QUESTIONS AND
ANSWERS 2025
On January 27, 2008, Ryan was using an exercise bike
purchased from NusquamCycle when the chain broke,
causing him to fall and severely bruise his knee. It
seemed to heal just fine, but three years later, on
January 25, 2011, Ryan's knee gave out while jogging.
His doctor told him that he'll need surgery and that this
deterioration resulted from the earlier accident with the
exercise bike. Which of the following CGL policies may
cover Ryan's claim filed January 25, 2011?
A. An occurrence policy from Jan 31 2011-Jan 31 2013
B. An occurrence policy from Feb 28 2008-Feb 28
2010
C. A claims-made policy from Jan 31 2008-Jan 31
2010
D. A claims-made policy from Jan 31 2009-Jan 31
2011 - ...ANSWER... ✔ ✔D
Which of the following statements about Indiana's
approach to Workers' Comp insurance is true?
,2|Page
A. WC is compulsory, and Indiana has no state WC
fund.
B. WC is elective, and Indiana has no state WC fund.
C. WC is elective, and Indiana has a competitive state
WC fund.
D. WC is compulsory, and Indiana has a monopolistic
state WC fund. - ...ANSWER... ✔ ✔A
Who is NOT eligible for a homeowners policy?
A. An owner of a home under construction
B. A person who owns and lives in his house
C. A tenant who rents a home or apartment
D. An owner of a house in which he does not live, but
rents to a tenant - ...ANSWER... ✔ ✔D
Frank owns a bakery specializing in authentic French
bread. He uses two specialty ovens for his daily
production of French bread. If one of these giant ovens
were to break down, it would cost Frank's bakery a lot
of money to repair, not to mention the loss of revenue
caused by lower production. On his Equipment
Breakdown Protection Form, each of Frank's ovens would
be considered:
A. a "peril."
,3|Page
B. an "object."
C. a "machine."
D. a "liability." - ...ANSWER... ✔ ✔B
A dwelling policy would NOT be appropriate for:
A. a duplex owned by an individual.
B. a single-family home wholly rented out.
C. a four-plex owned by a corporation.
D. a motorhome owned by an individual. - ...ANSWER...
✔ ✔D
*Jane has a $150,000 homeowners policy with a 3%
percentage deductible. One night, an oven fire destroys
her kitchen, causing $50,000 in damage. How much of
the damage falls under Jane's responsibility?
A. $4,500
B. $15,000
C. $3,600
D. $1,500 - ...ANSWER... ✔ ✔A
All of the following pieces of information can be found
in the Conditions section of an insurance policy, EXCEPT:
, 4|Page
A. anything the insured must do for coverage to remain
in effect.
B. what the insured must do in the event of a lawsuit.
C. the insured's duties after a loss.
D. causes of loss that are not covered. - ...ANSWER...
✔ ✔D
A few weeks ago Christopher's garage was destroyed
by an out-of-control motorist. Fortunately, the motorist
had sufficient liability insurance to cover the damages.
However, the insurer insists that Christopher's garage is
worth far less than the appraisals he has received from
contractors. Christopher and the insurer have gone back
and forth in negotiations for weeks, making little
headway. Christopher decides it's time to:
A. issue an answer for the policyholder.
B. issue a judgment.
C. issue a complaint against the policyholder.
D. issue a reservation of rights. - ...ANSWER... ✔ ✔C
Which of the following may be covered under an
Equipment Breakdown Protection Coverage Form?
A. Self-propelled equipment
B. Dragline, excavation, and construction equipment
