OpenExamsFREE PRACTICE — ANY EXAM

Free KS Casualty and Allied Lines Producer Practice Questions

146 free questions · Answer explanations · No signup required

View examination details, outline and sources

Loading selected examination banks…

Sample Practice Questions

Try these 10 sample questions from the KS Casualty and Allied Lines Producer practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1A contractor finishes installing a railing at a customer's building. A week later it detaches and injures a visitor. Which CGL exposure best describes the contractor's liability?

    1. A. Products and completed operations exposure
    2. B. Premises and ongoing operations exposure
    3. C. Personal and advertising injury exposure
    4. D. Medical payments exposure

    Answer: A

    Explanation: "bodily injury or property damage from defective work or operations completed or abandoned by or for the insured, away from the insured's premises." The injury is alleged to result from finished work away from the contractor's premises.

    Reference: NAIC Glossary of Insurance Terms — Completed Operations Liability

  2. 2Which situation best illustrates a morale hazard, as distinct from a moral or physical hazard?

    1. A. A driver leaves an insured car unlocked because she knows the insurer will replace it if stolen
    2. B. A driver leaves an insured car unlocked through habitual inattention to the theft risk
    3. C. A delivery van's worn brakes increase the likelihood of a road accident
    4. D. A loading dock's broken light increases the likelihood of a work accident

    Answer: B

    Explanation: "Morale Hazard - negligence or disregard on the part of the insured which could lead to probable loss." Habitual inattention is disregard. By contrast, the NAIC's moral-hazard example is "not taking proper care to protect insured property because the insured knows the insurance company will replace it if it is damaged or stolen." The brake and lighting conditions are physical hazards.

    Reference: NAIC Glossary of Insurance Terms — Morale Hazard

  3. 3A producer needs to confirm a client's auto policy term, liability limits, and listed vehicles. Which policy section should the producer consult first?

    1. A. The declarations page
    2. B. The insuring agreement
    3. C. The exclusions section
    4. D. The conditions section

    Answer: A

    Explanation: "This identifies the policy number and provides important information including the policy term, coverage limits, and information about the insured. It also contains a description of the vehicles covered under the policy." The declarations page identifies the term, limits, insured and vehicles.

    Reference: NAIC Auto Insurance — Declarations page

  4. 4Kansas voters are selecting the state official who heads the Department of Insurance. How is that office filled under Kansas law?

    1. A. Appointment by the governor
    2. B. Election by Kansas voters
    3. C. Selection by the legislature
    4. D. Appointment by the attorney general

    Answer: B

    Explanation: K.S.A. 40-106(a) says "there shall be elected a commissioner of insurance for the state of Kansas." Therefore voters fill the office at the general election; gubernatorial appointment applies only to a vacancy.

    Reference: Creator: wkhtmltopdf 0.12.6 — K.S.A. § 40-106(a)

  5. 5After a Kansas personal automobile liability policy has been effective for 60 days, which event is a statutory ground for insurer cancellation?

    1. A. The insured fails to pay premium when due
    2. B. The insured reaches age 65
    3. C. The insured changes mailing address
    4. D. The insured completes an accident-avoidance course

    Answer: A

    Explanation: K.S.A. 40-277(1) allows cancellation when "The named insured fails to discharge when due any obligations in connection with the payment of premium." Age alone is barred.

    Reference: Creator: wkhtmltopdf 0.12.6 — K.S.A. § 40-277(1)

  6. 6What minimum Kansas personal-injury-protection medical-benefit limit must a motor vehicle liability policy provide?

    1. A. $2,000
    2. B. $4,500
    3. C. $9,000
    4. D. $25,000

    Answer: B

    Explanation: K.S.A. 40-3103(k) defines medical benefits as reasonable expenses "up to a limit of not less than $4,500" for necessary health care and listed services.

    Reference: Creator: wkhtmltopdf 0.12.6 — K.S.A. § 40-3103(k)

  7. 7A customer's bodily injury occurs in November 2024, but the liability claim is first filed in February 2025. Ignoring any reporting extension or retroactive date, which policy trigger fits these dates?

    1. A. The 2024 occurrence form, but not the 2024 claims-made form
    2. B. The 2024 claims-made form, but not the 2024 occurrence form
    3. C. Both the 2024 occurrence and 2024 claims-made forms
    4. D. Neither the 2024 occurrence nor 2024 claims-made form

    Answer: A

    Explanation: "The trigger for occurrence policies is bodily injury and property damages that occur during the policy period. The trigger for claims-made policies is the filing of a claim during the policy period." The occurrence trigger follows injury during the 2024 term; the claims-made trigger would require a claim filed during that term.

    Reference: NAIC A Regulator's Introduction to the Insurance Industry — Occurrence and claims-made policies

  8. 8A covered machine suffers a $15,000 loss. The insured asks to receive more than the loss so the claim will generate a profit. Which insurance principle prevents that result?

    1. A. Indemnity
    2. B. Subrogation
    3. C. Contribution
    4. D. Insurable interest

    Answer: A

    Explanation: "Under the principle of indemnity, insureds should not profit from a covered loss but should be restored to no better than their financial position prior to the loss" Indemnity seeks restoration to no better than the insured's prior financial position.

    Reference: NAIC A Regulator's Introduction to the Insurance Industry — Principle of indemnity

  9. 9A producer is reviewing the broad statement of perils and risks an auto policy initially covers. Which policy provision supplies that coverage grant?

    1. A. The insuring agreement
    2. B. The declarations page
    3. C. The policy conditions
    4. D. The claims settlement clause

    Answer: A

    Explanation: "Your policy contains a general insuring agreement consisting of a broad statement listing the perils and risks covered under the contract." The insuring agreement states the broad initial coverage promise.

    Reference: NAIC Auto Insurance — Insuring agreement

  10. 10For what regular term do Kansans elect the commissioner of insurance?

    1. A. Two years
    2. B. Three years
    3. C. Four years
    4. D. Six years

    Answer: C

    Explanation: K.S.A. 40-106(a) states that the commissioner's "term of office shall be four years." The other periods are government terms used in other settings, not this office's Kansas term.

    Reference: Creator: wkhtmltopdf 0.12.6 — K.S.A. § 40-106(a)

Topics in this practice bank

These topics describe the available practice for KS Casualty and Allied Lines Producer. Review the examination outline and its sources for scope and allocation details.

  • I. TYPES OF POLICIES, BONDS, AND RELATED TERMS
    • A. Commercial general liability
    • A. Commercial general liability > 1. Exposures
    • A. Commercial general liability > 1. Exposures > a. Premises and Operations
    • A. Commercial general liability > 1. Exposures > b. Products and Completed Operations
    • A. Commercial general liability > 2. Coverage
    • A. Commercial general liability > 2. Coverage > a. Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • A. Commercial general liability > 2. Coverage > b. Coverage B: Personal Injury and Advertising Injury
    • A. Commercial general liability > 2. Coverage > c. Coverage C: Medical Payments
    • A. Commercial general liability > 2. Coverage > d. Supplemental Payments
    • A. Commercial general liability > 2. Coverage > e. Who is an insured
    • A. Commercial general liability > 2. Coverage > f. First named insured
    • A. Commercial general liability > 2. Coverage > g. Limits (Per occurrence, Annual Aggregate)
    • A. Commercial general liability > 2. Coverage > h. Damage to Property of Others
    • B. Automobile: personal auto and business auto
    • B. Automobile: personal auto and business auto > 1. Liability
    • B. Automobile: personal auto and business auto > 1. Liability > a. Bodily Injury
    • B. Automobile: personal auto and business auto > 1. Liability > b. Property Damage
    • B. Automobile: personal auto and business auto > 1. Liability > c. Split Limits
    • B. Automobile: personal auto and business auto > 1. Liability > d. Combined Single Limit
    • B. Automobile: personal auto and business auto > 2. Medical Payments
    • B. Automobile: personal auto and business auto > 3. Physical Damage (collision; other than collision; specified perils)
    • B. Automobile: personal auto and business auto > 4. Uninsured motorists
    • B. Automobile: personal auto and business auto > 5. Underinsured motorists
    • B. Automobile: personal auto and business auto > 6. Who is an insured
    • B. Automobile: personal auto and business auto > 7. Types of Auto
    • B. Automobile: personal auto and business auto > 7. Types of Auto > a. Owned
    • B. Automobile: personal auto and business auto > 7. Types of Auto > b. Non-owned
    • B. Automobile: personal auto and business auto > 7. Types of Auto > c. Hired
    • B. Automobile: personal auto and business auto > 7. Types of Auto > d. Temporary Substitute
    • B. Automobile: personal auto and business auto > 7. Types of Auto > e. Newly Acquired Autos
    • B. Automobile: personal auto and business auto > 7. Types of Auto > f. Transportation Expense and Rental Reimbursement Expense
    • B. Automobile: personal auto and business auto > 8. Auto Dealers Coverage Form, including Garagekeepers Insurance
    • B. Automobile: personal auto and business auto > 9. Exclusions
    • B. Automobile: personal auto and business auto > 10. Individual Named Insured and Drive Other Car (DOC)
    • B. Automobile: personal auto and business auto > 11. Mobile equipment
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not include state law, which is addressed elsewhere in this outline.)
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not include state law, which is addressed elsewhere in this outline.) > 1. Standard policy concepts
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not include state law, which is addressed elsewhere in this outline.) > 1. Standard policy concepts > a. Who is an employee/employer
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not include state law, which is addressed elsewhere in this outline.) > 1. Standard policy concepts > b. Compensation
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not include state law, which is addressed elsewhere in this outline.) > 2. Work-related vs. non-work-related
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not include state law, which is addressed elsewhere in this outline.) > 3. Other states’ insurance
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not include state law, which is addressed elsewhere in this outline.) > 4. Employers Liability
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not include state law, which is addressed elsewhere in this outline.) > 5. Exclusive remedy
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not include state law, which is addressed elsewhere in this outline.) > 6. Premium Determination
    • D. Crime
    • D. Crime > 1. Employee Dishonesty
    • D. Crime > 2. Theft
    • D. Crime > 3. Robbery
    • D. Crime > 4. Burglary
    • D. Crime > 5. Forgery and Alteration
    • D. Crime > 6. Mysterious disappearance
    • E. Bonds
    • E. Bonds > 1. Surety
    • E. Bonds > 2. Fidelity
    • F. Professional liability
    • F. Professional liability > 1. Errors and Omissions
    • F. Professional liability > 2. Medical Malpractice
    • F. Professional liability > 3. Directors and Officers (D&O)
    • F. Professional liability > 4. Employment Practices Liability (EPLI)
    • F. Professional liability > 5. Cyber liability and data breach, funds transfer
    • F. Professional liability > 6. Liquor liability
    • G. Umbrella/Excess Liability
    • H. Business Owners Policy (BOP)
  • II. INSURANCE TERMS AND RELATED CONCEPTS
    • A. Risk
    • B. Hazards
    • B. Hazards > 1. Moral
    • B. Hazards > 2. Morale
    • B. Hazards > 3. Physical
    • C. Indemnity
    • D. Insurable interest
    • E. Loss valuation
    • E. Loss valuation > 1. Actual cash value
    • E. Loss valuation > 2. Replacement cost
    • E. Loss valuation > 3. Market value
    • E. Loss valuation > 4. Stated/agreed value
    • E. Loss valuation > 5. Salvage value
    • F. Negligence
    • G. Liability
    • H. Occurrence
    • I. Binders
    • J. Warranties
    • K. Representations
    • L. Concealment
    • M. Deposit Premium/Audit
    • N. Certificate of Insurance
    • O. Law of Large Numbers
    • P. Pure vs. Speculative Risk
    • Q. Endorsements
    • R. Damages
    • R. Damages > 1. Compensatory
    • R. Damages > 1. Compensatory > a. General
    • R. Damages > 1. Compensatory > b. Special
    • R. Damages > 2. Punitive
    • S. Compliance with provisions of Fair Credit Reporting Act
  • III. POLICY PROVISIONS
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions and Limitations
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Cancellation and nonrenewal provisions
    • H. Supplementary payments
    • I. Proof of loss
    • J. Notice of claim
    • K. Other insurance
    • L. Subrogation
    • M. Loss settlement provisions including consent to settle a loss
    • N. Terrorism Risk Insurance Act (TRIA)
  • IV. KANSAS STATUTES AND REGULATIONS COMMON TO LIFE, HEALTH, PROPERTY, AND CASUALTY INSURANCE
    • A. Commissioner of Insurance
    • A. Commissioner of Insurance > 1. Election
    • A. Commissioner of Insurance > 2. General duties and powers
    • A. Commissioner of Insurance > 3. Examinations
    • A. Commissioner of Insurance > 4. Hearings/Notice of hearings/Orders
    • A. Commissioner of Insurance > 5. Penalties
    • B. Definitions
    • B. Definitions > 1. Domestic company
    • B. Definitions > 2. Foreign company
    • B. Definitions > 3. Certificate of authority
    • C. Licensing
    • C. Licensing > 1. Persons required to be licensed
    • C. Licensing > 1. Persons required to be licensed > a. Producer
    • C. Licensing > 1. Persons required to be licensed > b. Resident/Nonresident
    • C. Licensing > 1. Persons required to be licensed > c. Temporary license
    • C. Licensing > 2. Producer appointment/certification and termination of appointment
    • C. Licensing > 3. Obtaining a license
    • C. Licensing > 3. Obtaining a license > a. Qualifications/Examinations
    • C. Licensing > 3. Obtaining a license > b. Exemptions/exceptions
    • C. Licensing > 4. Maintaining a license
    • C. Licensing > 4. Maintaining a license > a. Continuing education
    • C. Licensing > 4. Maintaining a license > b. Change of address/ place of business
    • C. Licensing > 4. Maintaining a license > c. License renewal and fees
    • C. Licensing > 4. Maintaining a license > d. Suspension or revocation of licenses/felony convictions
    • D. Marketing practices
    • D. Marketing practices > 1. Rebating
    • D. Marketing practices > 2. Misrepresentation
    • D. Marketing practices > 3. False advertising
    • D. Marketing practices > 4. Defamation
    • D. Marketing practices > 5. Boycott, coercion, intimidation
    • D. Marketing practices > 6. Unfair discrimination
    • E. Property and Casualty Insurance Guaranty Association Act
  • V. KANSAS STATUTES AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY
    • A. Renewal, nonrenewal, cancellation, and delivery of contracts
    • B. Rates
    • B. Rates > 1. Filings
    • B. Rates > 2. Unfair discrimination
    • C. Excess and surplus lines producers
  • VI. KANSAS STATUTES AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY
    • A. Kansas Automobile Injury Reparations Act
    • A. Kansas Automobile Injury Reparations Act > 1. Required coverages
    • A. Kansas Automobile Injury Reparations Act > 2. Financial responsibility
    • A. Kansas Automobile Injury Reparations Act > 3. Payment of benefits
    • B. Uninsured/Underinsured motorists coverage
    • C. Accident prevention courses
    • D. Kansas Automobile Insurance Plan
    • E. Worker's Compensation
    • E. Worker's Compensation > 1. Kansas Workers Compensation Insurance Plan

How to use these free practice questions

Choose an answer, check the explanation, and review your progress by chapter. Practice questions and explanations are free to access without signing up.

These are independent study questions, not actual examination items. For examination requirements and official information, view KS Casualty and Allied Lines Producer details.