OpenExamsFREE PRACTICE — ANY EXAM

Free Nebraska Producer's Examination for Casualty Insurance Series 13-23 Practice Questions

139 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 Nebraska Producer's Examination for Casualty Insurance Series 13-23 practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1A Nebraska resident applies for an individual casualty producer license. What is the minimum age the director must find before approving the application?

    1. A. 18 years
    2. B. 19 years
    3. C. 21 years
    4. D. 25 years

    Answer: A

    Explanation: Neb. Rev. Stat. § 44-4053(1)(a) requires that the individual "Is at least eighteen years of age." Therefore, 18 is the minimum.

    Reference: Nebraska Legislature — § 44-4053(1)(a)

  2. 2In a property-risk survey, deteriorated electrical wiring makes a fire more likely. What is the deteriorated wiring, as distinct from the fire itself?

    1. A. A peril that directly causes the insured loss
    2. B. A hazard that increases the chance of loss
    3. C. A loss that follows from the insured event
    4. D. An exposure measured by the property value

    Answer: B

    Explanation: NAIC defines a hazard as a "circumstance which tends to increase the probability or severity of a loss" and a peril as "the cause of property damage or personal injury." The wiring increases fire likelihood; the fire is the peril.

    Reference: NAIC Glossary of Insurance Terms — Hazard; Peril

  3. 3A Nebraska fire policy insures real property that is wholly destroyed without criminal fault by the insured. How is the amount written in the policy treated under the Valued Policy Law?

    1. A. As only a maximum subject to market-value proof
    2. B. As conclusively the true value and measure of damages
    3. C. As replacement cost less depreciation
    4. D. As an appraisal estimate with no binding effect

    Answer: B

    Explanation: Section 44-501.02 provides that the policy amount "shall be taken conclusively to be the true value of the property insured and the true amount of loss and measure of damages."

    Reference: Nebraska Legislature — § 44-501.02

  4. 4A Nebraska client owns an individual condominium unit and wants a homeowners form for the unit owner's property interests and belongings. Which form best matches?

    1. A. HO-3 Special Form
    2. B. HO-4 Renter's Form
    3. C. HO-6 Condo Owner's Form
    4. D. HO-8 Modified Coverage Form

    Answer: C

    Explanation: NAIC describes "HO-6 (Condo Owner’s Form)" as covering the owner's real-property interest and personal property. HO-4 serves renters, HO-8 older high-risk homes, and HO-3 a different dwelling form.

    Reference: NAIC, 2025 Homeowners Data Definitions — Homeowners Policy Forms, HO-6

  5. 5An insurer invokes a ground other than nonpayment to end an auto liability policy under § 44-523. At least how far before the effective cancellation date must notice generally be mailed?

    1. A. 10 days
    2. B. 20 days
    3. C. 30 days
    4. D. 60 days

    Answer: C

    Explanation: Section 44-523(1)(a) requires mailing "at least thirty days prior to the effective date of such cancellation" for reasons other than nonpayment, subject to the stated exception.

    Reference: Nebraska Legislature — § 44-523(1)(a)

  6. 6A customer alleges that a business's advertisement defamed her. Which CGL coverage category most directly addresses the allegation?

    1. A. Bodily injury from premises operations
    2. B. Property damage from completed operations
    3. C. Medical payments for accidental injury
    4. D. Personal and advertising injury liability

    Answer: D

    Explanation: NAIC lists CGL events including "Personal injury including slander and libel" and false or misleading advertising. The allegation concerns reputational injury from an advertisement rather than bodily injury or property damage.

    Reference: NAIC, Small Business Insurance — Liability insurance, CGL categories

  7. 7A small retail business wants one package that ordinarily combines property protection, liability, and interruption of operations. Which policy type is designed for that combination?

    1. A. A commercial crime policy
    2. B. A businessowners policy
    3. C. A commercial auto policy
    4. D. A workers compensation policy

    Answer: B

    Explanation: NAIC calls the BOP a "package" that typically includes "property, business interruption/continuation and" liability insurance. The other products focus on particular exposures and do not ordinarily package those three.

    Reference: NAIC, Small Business Insurance — What's a business owners policy?

  8. 8For occupations covered by Nebraska Revised Statute § 48-106, how are employment contracts treated under the Nebraska Workers' Compensation Act?

    1. A. They are presumed subject to the Act
    2. B. They are subject to the Act only after a court order
    3. C. They are excluded unless renewed annually
    4. D. They are governed only by any collective bargaining agreement

    Answer: A

    Explanation: Section 48-112 states, "all contracts of employment shall be presumed to have been made with reference and subject to the Nebraska Workers' Compensation Act." That presumption answers the question.

    Reference: Nebraska Legislature — § 48-112

  9. 9What Nebraska surplus lines tax percentage applies to premiums for covered U.S. properties, risks, or exposures under § 44-5506?

    1. A. 1%
    2. B. 2%
    3. C. 3%
    4. D. 5%

    Answer: C

    Explanation: Section 44-5506(2)(b) states, "The sum payable shall be computed based on an amount equal to three percent of the premiums" for insurance covering U.S. properties, risks, or exposures.

    Reference: Nebraska Legislature — § 44-5506(2)(b)

  10. 10When submitting Nebraska's uniform application for a resident producer license, what must the applicant declare about the statements in the application?

    1. A. They are estimates subject to later correction
    2. B. They are true, correct, and complete to the best of the applicant's knowledge and belief
    3. C. They were prepared solely by the appointing insurer
    4. D. They need only be materially accurate after the license is issued

    Answer: B

    Explanation: Section 44-4053(1) requires the applicant to declare that the statements are "true, correct, and complete to the best of the individual's knowledge and belief."

    Reference: Nebraska Legislature — § 44-4053(1)

Topics in this practice bank

These topics describe the available practice for Nebraska Producer's Examination for Casualty Insurance Series 13-23. Review the examination outline and its sources for scope and allocation details.

  • 1.0 Insurance Regulation
    • 1.1 General
    • 1.1 General / State specific licensing requirements
    • 1.1 General / License issuance (44-4052, 44-4053)
    • 1.1 General / License issuance (44-4052, 44-4053) / Application
    • 1.1 General / License maintenance
    • 1.1 General / License maintenance / Change of name/phone number/address/email address (44-4054(8))
    • 1.1 General / License maintenance / Assumed business name (44-4057)
    • 1.1 General / License maintenance / Reporting of actions (44-4065)
    • 1.1 General / License maintenance / Continuing education including exemptions (44-3901 to 44-3908)
    • 1.1 General / License maintenance / Penalties
    • 1.1 General / License maintenance / Appointment and termination process
    • 1.1 General / License duration
    • 1.1 General / License duration / Renewal/nonrenewal (44-4054)
    • 1.1 General / License duration / Reinstatement
    • 1.1 General / License duration / Continuation
    • 1.1 General / License duration / Termination (44-4062)
    • 1.1 General / License duration / Surrender
    • 1.1 General / License duration / Lapse
    • 1.1 General / License duration / Inactivity due to military service
    • 1.1 General / License duration / Inactivity due to extenuating circumstances
    • 1.1 General / Disciplinary actions related to the license
    • 1.1 General / Disciplinary actions related to the license / Denial
    • 1.1 General / Disciplinary actions related to the license / Suspension (44-2633, 44-4059)
    • 1.1 General / Disciplinary actions related to the license / Surrender
    • 1.1 General / Disciplinary actions related to the license / Revocation or refusal to issue or renew (44-2633, 44-4059)
    • 1.1 General / Penalties
    • 1.1 General / Penalties / Civil
    • 1.1 General / Penalties / Criminal (28-631)
    • 1.1 General / Penalties / Hearings (44-4059(2))
    • 1.1 General / Penalties / Fines (44-2634, 44-4059(4))
    • 1.1 General / Penalties / Cease and desist order (44-1529, 44-1542)
    • 1.2 Licensing Types, Purposes, and Processes
    • 1.2 Licensing Types, Purposes, and Processes / License types (44-4054)
    • 1.2 Licensing Types, Purposes, and Processes / License types (44-4054) / Producer (44-4049, 44-4054)
    • 1.2 Licensing Types, Purposes, and Processes / License types (44-4054) / Consultant (44-2606 to 44-2635)
    • 1.2 Licensing Types, Purposes, and Processes / License types (44-4054) / Public adjuster
    • 1.2 Licensing Types, Purposes, and Processes / License types (44-4054) / Agency
    • 1.2 Licensing Types, Purposes, and Processes / License types (44-4054) / Resident (44-2625, 44-4055, 44-4063)
    • 1.2 Licensing Types, Purposes, and Processes / License types (44-4054) / Nonresident (44-2625, 44-4055, 44-4063)
    • 1.2 Licensing Types, Purposes, and Processes / License types (44-4054) / Temporary (44-4058)
    • 1.2 Licensing Types, Purposes, and Processes / License types (44-4054) / Surplus lines
    • 1.2 Licensing Types, Purposes, and Processes / License types (44-4054) / Crop
    • 1.2 Licensing Types, Purposes, and Processes / Licensing requirements
    • 1.2 Licensing Types, Purposes, and Processes / Licensing requirements / Eligibility and qualification
    • 1.2 Licensing Types, Purposes, and Processes / Licensing requirements / Licensing exemptions (44-4051)
    • 1.3 State Regulation
    • 1.3 State Regulation / Acts constituting insurance transaction
    • 1.3 State Regulation / Acts constituting insurance transaction / Negotiate
    • 1.3 State Regulation / Acts constituting insurance transaction / Sell
    • 1.3 State Regulation / Acts constituting insurance transaction / Solicit
    • 1.3 State Regulation / Director's general duties and powers (44-101.01, 44-2635)
    • 1.3 State Regulation / Producer regulatory requirements
    • 1.3 State Regulation / Producer regulatory requirements / Policy signatures
    • 1.3 State Regulation / Producer regulatory requirements / Application signatures
    • 1.3 State Regulation / Producer regulatory requirements / Premium payment
    • 1.3 State Regulation / Producer regulatory requirements / Producer representation
    • 1.3 State Regulation / Producer regulatory requirements / Commissions/compensation and fees (44-4060)
    • 1.3 State Regulation / Producer regulatory requirements / Controlled business (44-361.01, 44-361.02)
    • 1.3 State Regulation / Producer regulatory requirements / Appointment (44-4061)
    • 1.3 State Regulation / Producer regulatory requirements / Fiduciary responsibility
    • 1.3 State Regulation / Producer regulatory requirements / Impersonation
    • 1.3 State Regulation / Producer regulatory requirements / Records maintenance (44-5905)
    • 1.3 State Regulation / Producer regulatory requirements / Claims reporting
    • 1.3 State Regulation / Company regulatory requirements
    • 1.3 State Regulation / Company regulatory requirements / Solvency
    • 1.3 State Regulation / Company regulatory requirements / Financial requirements
    • 1.3 State Regulation / Company regulatory requirements / Certificate of authority (44-303)
    • 1.3 State Regulation / Company regulatory requirements / State of domicile
    • 1.3 State Regulation / Company regulatory requirements / Records maintenance
    • 1.3 State Regulation / Company regulatory requirements / Policy forms/rates/exceptions
    • 1.3 State Regulation / Company regulatory requirements / Appointment/termination
    • 1.3 State Regulation / Company regulatory requirements / Capital and surplus requirements (44-214, 44-305)
    • 1.3 State Regulation / Company regulatory requirements / Unfair trade practices complaint register (44-1525(9))
    • 1.3 State Regulation / Difference between admitted, non-admitted, foreign, and domestic insurers
    • 1.3 State Regulation / Unfair trade practices
    • 1.3 State Regulation / Unfair trade practices / Unfair discrimination (44-1525(7))
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1))
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1)) / False or deceptive advertising (44-1525(2))
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1)) / Claims settlement
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1)) / Boycott (44-1525(4))
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1)) / Coercion (44-1525(4))
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1)) / Intimidation (44-1525(4))
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1)) / Defamation (44-1525(3))
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1)) / False financial statements
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1)) / Fraud
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1)) / Illegal inducements including rebating and twisting (44-361, 44-1525(8))
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1)) / Misappropriation of funds
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1)) / Testimonials
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1)) / Comparisons
    • 1.3 State Regulation / Unfair trade practices / Misrepresentation (44-1525(1)) / Nondisclosure of fees or charges (44-354)
    • 1.3 State Regulation / Other prohibited practices
    • 1.3 State Regulation / Other prohibited practices / Commingling of funds
    • 1.3 State Regulation / Other prohibited practices / Non-transparency
    • 1.3 State Regulation / Other prohibited practices / Prohibited fees/premiums/extra charges
    • 1.3 State Regulation / Other prohibited practices / Larceny
    • 1.3 State Regulation / Other prohibited practices / Acting without a license
    • 1.3 State Regulation / Unfair claims settlement practices (44-1539, 44-1540)
    • 1.3 State Regulation / Nonpublic personal information and privacy protection
    • 1.3 State Regulation / Policy replacement
    • 1.3 State Regulation / Solicitation and sales
    • 1.3 State Regulation / Solicitation and sales / Advertising
    • 1.3 State Regulation / Solicitation and sales / Provisions/rules
    • 1.3 State Regulation / Selection criteria and unfair discrimination
    • 1.3 State Regulation / Insurance Fraud Act (44-6601 to 44-6608)
    • 1.3 State Regulation / Privacy of Insurance Consumer Information Act (44-901 to 44-925) Neb. Rev. Stat. §44-902(1)(a)
    • 1.4 Federal Regulation
    • 1.4 Federal Regulation / Federal Law (18 U.S. Code § 1033)
    • 1.4 Federal Regulation / Fair Credit Reporting Act (15 USC 1681–1681d)
    • 1.4 Federal Regulation / Fraud and false statements including 1033 and 1034 waiver
    • 1.4 Federal Regulation / "Prohibited Persons" Waiver (Consent to Work) (18 U.S. Code § 1033-1034)
    • 1.4 Federal Regulation / Other federal regulations
    • 1.4 Federal Regulation / Other federal regulations / Do Not Call List (Telephone Consumer Protection Act)
    • 1.4 Federal Regulation / Other federal regulations / Can-Spam Act
    • 1.4 Federal Regulation / Other federal regulations / Sarbanes-Oxley Act
    • 1.4 Federal Regulation / Other federal regulations / Terrorism Risk Insurance Act
    • 1.4 Federal Regulation / Other federal regulations / Consumer Data Privacy and Security Act
    • 1.4 Federal Regulation / Other federal regulations / National Flood Insurance Program
    • 1.4 Federal Regulation / Other federal regulations / Gramm-Leach-Bliley Act
  • 2.0 General Insurance
    • 2.1 Risk management key terms
    • 2.1 Risk management key terms / Risk
    • 2.1 Risk management key terms / Exposure
    • 2.1 Risk management key terms / Hazard
    • 2.1 Risk management key terms / Peril
    • 2.1 Risk management key terms / Loss
    • 2.1 Risk management key terms / Insurance
    • 2.2 Methods of handling risk
    • 2.2 Methods of handling risk / Avoidance
    • 2.2 Methods of handling risk / Retention
    • 2.2 Methods of handling risk / Risk-sharing
    • 2.2 Methods of handling risk / Reduction
    • 2.2 Methods of handling risk / Transfer
    • 2.3 Other concepts
    • 2.3 Other concepts / Elements of insurable risks
    • 2.3 Other concepts / Adverse selection
    • 2.3 Other concepts / Law of large numbers
    • 2.3 Other concepts / Reinsurance
    • 2.3 Other concepts / Indemnity/pay on behalf of
    • 2.4 Types of insurers
    • 2.4 Types of insurers / Captives
    • 2.4 Types of insurers / Stock
    • 2.4 Types of insurers / Mutual
    • 2.4 Types of insurers / Reciprocals
    • 2.4 Types of insurers / Risk retention groups
    • 2.4 Types of insurers / Risk purchasing group
    • 2.4 Types of insurers / Self-insurers
    • 2.4 Types of insurers / Re-insurers
    • 2.5 Comparison of insurers
    • 2.5 Comparison of insurers / Private versus government insurers
    • 2.5 Comparison of insurers / Authorized / admitted versus unauthorized/nonadmitted insurers
    • 2.5 Comparison of insurers / Domestic, foreign, and alien insurers
    • 2.6 Financial solvency status
    • 2.6 Financial solvency status / A.M. Best
    • 2.6 Financial solvency status / Standard and Poor's
    • 2.6 Financial solvency status / Moody's
    • 2.6 Financial solvency status / State Guarantee Funds
    • 2.6 Financial solvency status / National Association of Insurance Commissioners (NAIC)
    • 2.7 Distribution methods
    • 2.7 Distribution methods / Independent agent
    • 2.7 Distribution methods / Direct writer
    • 2.7 Distribution methods / Exclusive
    • 2.7 Distribution methods / Captive
    • 2.7 Distribution methods / Risk purchasing groups
    • 2.7 Distribution methods / Managing General Agents (MGA)
    • 2.7 Distribution methods / Wholesalers
    • 2.7 Distribution methods / Aggregators
    • 2.8 Rate filing and forms services
    • 2.8 Rate filing and forms services / Insurance Services Office (ISO)
    • 2.8 Rate filing and forms services / American Association of Insurance Services (AAIS)
    • 2.8 Rate filing and forms services / Surety and Fidelity Association of America (SFAA)
    • 2.8 Rate filing and forms services / NCCI or other state rate-making entity
    • 2.9 Rules of agency
    • 2.9 Rules of agency / Insurer as principal
    • 2.9 Rules of agency / Producer/agent/broker-insurer
    • 2.9 Rules of agency / Adjuster relationships
    • 2.10 Authority and powers of producers/agents/brokers
    • 2.10 Authority and powers of producers/agents/brokers / Express
    • 2.10 Authority and powers of producers/agents/brokers / Implied
    • 2.10 Authority and powers of producers/agents/brokers / Apparent
    • 2.10 Authority and powers of producers/agents/brokers / Contractual
    • 2.11 Elements of a legal contract
    • 2.11 Elements of a legal contract / Offer and acceptance
    • 2.11 Elements of a legal contract / Consideration
    • 2.11 Elements of a legal contract / Competent parties
    • 2.11 Elements of a legal contract / Legal purpose
    • 2.12 Distinct characteristics of an insurance contract
    • 2.12 Distinct characteristics of an insurance contract / Contract of adhesion
    • 2.12 Distinct characteristics of an insurance contract / Aleatory
    • 2.12 Distinct characteristics of an insurance contract / Personal
    • 2.12 Distinct characteristics of an insurance contract / Unilateral
    • 2.12 Distinct characteristics of an insurance contract / Conditional
    • 2.13 Legal interpretations affecting contracts
    • 2.13 Legal interpretations affecting contracts / Insurable interest
    • 2.13 Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • 2.13 Legal interpretations affecting contracts / Reasonable expectations
    • 2.13 Legal interpretations affecting contracts / Indemnity
    • 2.13 Legal interpretations affecting contracts / Utmost good faith
    • 2.13 Legal interpretations affecting contracts / Concealment
    • 2.13 Legal interpretations affecting contracts / Representations
    • 2.13 Legal interpretations affecting contracts / Misrepresentations
    • 2.13 Legal interpretations affecting contracts / Warranties
    • 2.13 Legal interpretations affecting contracts / Fraud
    • 2.13 Legal interpretations affecting contracts / Waiver and estoppel
  • 3.0 Property and Casualty Insurance Basics
    • 3.1 Insurable interest
    • 3.2 Underwriting
    • 3.2 Underwriting / Loss history
    • 3.2 Underwriting / Loss ratio
    • 3.2 Underwriting / Credit scores
    • 3.2 Underwriting / Risk appetite/acceptability
    • 3.2 Underwriting / Inspections
    • 3.3 Rates
    • 3.3 Rates / Types
    • 3.3 Rates / Loss costs
    • 3.3 Rates / Components
    • 3.4 Hazards
    • 3.4 Hazards / Physical
    • 3.4 Hazards / Moral
    • 3.4 Hazards / Morale
    • 3.5 Negligence
    • 3.5 Negligence / Elements of a negligent act
    • 3.5 Negligence / Defenses against negligence
    • 3.6 Types of damages
    • 3.6 Types of damages / Compensatory (special versus general)
    • 3.6 Types of damages / Punitive
    • 3.7 Types of liability
    • 3.7 Types of liability / Absolute
    • 3.7 Types of liability / Strict
    • 3.7 Types of liability / Vicarious
    • 3.8 Causes of loss
    • 3.8 Causes of loss / Direct
    • 3.8 Causes of loss / Consequential
    • 3.8 Causes of loss / Indirect
    • 3.8 Causes of loss / Contingent
    • 3.9 Types of building construction
    • 3.9 Types of building construction / Frame
    • 3.9 Types of building construction / Masonry
    • 3.9 Types of building construction / Joisted masonry
    • 3.9 Types of building construction / Fire resistive
    • 3.10 Loss valuation
    • 3.10 Loss valuation / Actual cash value
    • 3.10 Loss valuation / Replacement cost
    • 3.10 Loss valuation / Functional replacement cost
    • 3.10 Loss valuation / Market value
    • 3.10 Loss valuation / Agreed value
    • 3.10 Loss valuation / Stated amount
    • 3.10 Loss valuation / Valued policy
    • 3.10 Loss valuation / Broad evidence rule
    • 3.10 Loss valuation / Actual loss sustained
    • 3.11 Policy construction
    • 3.11 Policy construction / Declarations
    • 3.11 Policy construction / Definitions
    • 3.11 Policy construction / Insuring agreement
    • 3.11 Policy construction / Conditions
    • 3.11 Policy construction / Exclusions
    • 3.12 Additional/supplementary coverage and endorsements
    • 3.13 Common policy conditions
    • 3.13 Common policy conditions / Insureds — named
    • 3.13 Common policy conditions / First named
    • 3.13 Common policy conditions / Additional
    • 3.13 Common policy conditions / Policy period
    • 3.13 Common policy conditions / Territory
    • 3.13 Common policy conditions / Cancellation and nonrenewal
    • 3.13 Common policy conditions / Coinsurance and deductibles
    • 3.13 Common policy conditions / Cooperation
    • 3.14 Loss payment provisions
    • 3.14 Loss payment provisions / Nonconcurrency
    • 3.14 Loss payment provisions / Primary and excess
    • 3.14 Loss payment provisions / Pro rata
    • 3.14 Loss payment provisions / Contributions by equal shares
    • 3.14 Loss payment provisions / Apportionment
    • 3.15 Limits of liability/insurance
    • 3.15 Limits of liability/insurance / Per occurrence
    • 3.15 Limits of liability/insurance / Per loss
    • 3.15 Limits of liability/insurance / Per claim
    • 3.15 Limits of liability/insurance / Per person
    • 3.15 Limits of liability/insurance / Aggregate
    • 3.15 Limits of liability/insurance / Split
    • 3.15 Limits of liability/insurance / Combined single
    • 3.15 Limits of liability/insurance / Bodily injury
    • 3.16 Liability key coverage terms and definitions
    • 3.16 Liability key coverage terms and definitions / Restoration/nonreduction of limits
    • 3.16 Liability key coverage terms and definitions / Claims made
    • 3.16 Liability key coverage terms and definitions / Retroactive date
    • 3.16 Liability key coverage terms and definitions / Extended reporting period/tail
    • 3.17 Named insured responsibilities
    • 3.17 Named insured responsibilities / Duties after loss
    • 3.17 Named insured responsibilities / Assignment and abandonment
    • 3.17 Named insured responsibilities / Notice
    • 3.17 Named insured responsibilities / Cancellation
    • 3.18 Other policy conditions
    • 3.18 Other policy conditions / Liberalization
    • 3.18 Other policy conditions / Subrogation
    • 3.18 Other policy conditions / Salvage
    • 3.18 Other policy conditions / Claims settlement options and duty to defend
    • 3.19 Third-party provisions
    • 3.19 Third-party provisions / Standard mortgage clause
    • 3.19 Third-party provisions / Loss payable clause
    • 3.19 Third-party provisions / No benefit to the bailee
    • 3.19 Third-party provisions / Additional insured
    • 3.19 Third-party provisions / Additional named insured
    • 3.20 State plans
    • 3.20 State plans / Nebraska Valued Policy Law (44-501.02)
    • 3.20 State plans / Nebraska Property and Liability Insurance Guaranty Association (44-2401 to 44-2418)
    • 3.20 State plans / Assigned risk
    • 3.20 State plans / Joint Underwriting Association (JUA)
    • 3.21 State regulations
    • 3.21 State regulations / Cancellation and nonrenewal (44-522)
    • 3.21 State regulations / Binders
    • 3.21 State regulations / Loss payment
    • 3.21 State regulations / Arbitration
    • 3.21 State regulations / Certificates of insurance
    • 3.22 Federal Insurance Programs
    • 3.22 Federal Insurance Programs / Terrorism Insurance Program (TRIA) (15 USC 6701; Public Law 107–297, 109–144, 110–160)
    • 3.22 Federal Insurance Programs / National Flood Insurance Program (NFIP)
    • 3.22 Federal Insurance Programs / Federal Crop Insurance Program (FCIP)
    • 3.23 Time element coverages
  • 4.0 Homeowners Policy
    • 4.1 Eligibility
    • 4.2 Perils insured against
    • 4.3 Definitions, conditions, and exclusions
    • 4.4 Coverage forms
    • 4.4 Coverage forms / HO-2 through HO-6 and HO-8
    • 4.5 Section II -- Liability coverages
    • 4.5 Section II -- Liability coverages / Coverage E, F, and additional coverages
    • 4.6 Policy endorsements
    • 4.6 Policy endorsements / Special provisions (HO 01 26)
    • 4.6 Policy endorsements / Limited fungi, wet or dry rot, or bacteria coverage (HO 04 26, HO 04 27)
    • 4.6 Policy endorsements / Permitted incidental occupancies — residence premises (HO 04 42)
    • 4.6 Policy endorsements / Earthquake (HO 04 54)
    • 4.6 Policy endorsements / Scheduled personal property (HO 04 61)
    • 4.6 Policy endorsements / Personal property replacement cost (HO 04 90)
    • 4.6 Policy endorsements / Home-based business (HO 04 97, HO 24 71)
    • 4.6 Policy endorsements / Personal injury (HO 24 82)
    • 4.6 Policy endorsements / Watercraft (HO 24 75)
    • 4.6 Policy endorsements / Additional limits
    • 4.7 Cancellation/nonrenewal
    • 4.7 Cancellation/nonrenewal / Reasons
    • 4.7 Cancellation/nonrenewal / Notice
  • 5.0 Auto Insurance
    • 5.1 State Auto Laws
    • 5.1 State Auto Laws / State plans
    • 5.1 State Auto Laws / State plans / Nebraska Automobile Insurance Plan
    • 5.1 State Auto Laws / State plans / Nebraska Motor Vehicle Safety Responsibility Act (RL 60-501–569)
    • 5.1 State Auto Laws / State plans / Required limits of liability (RL 60- 501(10), 534)
    • 5.1 State Auto Laws / State plans / Required proof of financial responsibility (RL 60-346)
    • 5.1 State Auto Laws / Cancellation/nonrenewal
    • 5.1 State Auto Laws / Cancellation/nonrenewal / Reasons (44-515)
    • 5.1 State Auto Laws / Cancellation/nonrenewal / Notice (44-516 to 44-519, 44-523; RL 60- 544)
    • 5.1 State Auto Laws / Other state laws
    • 5.1 State Auto Laws / Other state laws / Constructive total loss
    • 5.1 State Auto Laws / Other state laws / Arbitration
    • 5.1 State Auto Laws / Other state laws / Rental vehicle coverage
    • 5.1 State Auto Laws / Other state laws / Aftermarket parts regulation (210 Nebraska Administrative Code Ch. 45)
    • 5.1 State Auto Laws / Other state laws / State Motor Vehicle Financial Responsibility Law
    • 5.1 State Auto Laws / Other state laws / Stacking
    • 5.2 Personal Auto Policy
    • 5.2 Personal Auto Policy / Eligibility
    • 5.2 Personal Auto Policy / Definitions, conditions, and exclusions
    • 5.2 Personal Auto Policy / Liability coverage
    • 5.2 Personal Auto Policy / Liability coverage / Combined single limits versus split limits
    • 5.2 Personal Auto Policy / Liability coverage / Supplementary payments
    • 5.2 Personal Auto Policy / Liability coverage / Exclusions
    • 5.2 Personal Auto Policy / Medical payments coverage
    • 5.2 Personal Auto Policy / Uninsured/underinsured motorist coverage
    • 5.2 Personal Auto Policy / Uninsured/underinsured motorist coverage / Bodily injury
    • 5.2 Personal Auto Policy / Uninsured/underinsured motorist coverage / Required limits
    • 5.2 Personal Auto Policy / Coverage for damage to your auto
    • 5.2 Personal Auto Policy / Coverage for damage to your auto / Collision
    • 5.2 Personal Auto Policy / Coverage for damage to your auto / Other than collision
    • 5.2 Personal Auto Policy / Coverage for damage to your auto / Deductibles
    • 5.2 Personal Auto Policy / Coverage for damage to your auto / Transportation expenses
    • 5.2 Personal Auto Policy / Coverage for damage to your auto / Exclusions
    • 5.2 Personal Auto Policy / Coverage for damage to your auto / Substitute transportation
    • 5.2 Personal Auto Policy / Coverage for damage to your auto / Towing (PP 03 03)
    • 5.2 Personal Auto Policy / Coverage for damage to your auto / Labor (PP 03 03)
    • 5.2 Personal Auto Policy / Selected endorsements
    • 5.2 Personal Auto Policy / Selected endorsements / Extended non-owned coverage (PP 03 06)
    • 5.2 Personal Auto Policy / Selected endorsements / Joint ownership coverage (PP 03 34)
    • 5.2 Personal Auto Policy / Selected endorsements / Mexico coverage
    • 5.2 Personal Auto Policy / Selected endorsements / Territory
    • 5.2 Personal Auto Policy / Selected endorsements / Miscellaneous type vehicle (PP 03 23)
    • 5.2 Personal Auto Policy / Selected endorsements / Drive other car (DOC)
    • 5.2 Personal Auto Policy / Selected endorsements / Transportation network coverage
    • 5.3 Commercial Auto
    • 5.3 Commercial Auto / Eligibility
    • 5.3 Commercial Auto / Definitions, conditions, and exclusions
    • 5.3 Commercial Auto / Coverage forms
    • 5.3 Commercial Auto / Coverage forms / Business auto
    • 5.3 Commercial Auto / Coverage forms / Motor carrier
    • 5.3 Commercial Auto / Coverage forms / Auto dealers
    • 5.3 Commercial Auto / Coverage form sections
    • 5.3 Commercial Auto / Coverage form sections / Symbols/covered auto
    • 5.3 Commercial Auto / Coverage form sections / Liability
    • 5.3 Commercial Auto / Coverage form sections / Garagekeepers
    • 5.3 Commercial Auto / Coverage form sections / Trailer interchange
    • 5.3 Commercial Auto / Coverage form sections / Physical damage
    • 5.3 Commercial Auto / Selected endorsements
    • 5.3 Commercial Auto / Selected endorsements / Drive other car coverage (CA 99 10)
    • 5.3 Commercial Auto / Selected endorsements / Lessor -- additional insured and loss payee (CA 20 01)
    • 5.3 Commercial Auto / Selected endorsements / Individual named insured (CA 99 17)
    • 5.3 Commercial Auto / Selected endorsements / Pollution liability — broadened coverage (CA 99 48; CA 99 55)
    • 5.3 Commercial Auto / Selected endorsements / Mobile equipment (CA 20 15)
    • 5.3 Commercial Auto / Selected endorsements / Auto medical payments coverage (CA 99 03)
    • 5.3 Commercial Auto / Selected endorsements / Broad form products coverage (CA 25 01)
    • 5.3 Commercial Auto / Selected endorsements / Employees as insureds
    • 5.3 Commercial Auto / Commercial carrier regulations
    • 5.3 Commercial Auto / Commercial carrier regulations / The Motor Carrier Act of 1980
    • 5.3 Commercial Auto / Commercial carrier regulations / Endorsement for motor carrier policies of insurance for public liability (MCS-90)
    • 5.3 Commercial Auto / Commercial carrier regulations / SAFER System
  • 6.0 Commercial Package Policy
    • 6.1 General
    • 6.1 General / Components of a commercial policy
    • 6.1 General / Components of a commercial policy / Declarations
    • 6.1 General / Components of a commercial policy / Conditions
    • 6.1 General / Components of a commercial policy / Interline endorsements
    • 6.1 General / Components of a commercial policy / One or more coverage parts
    • 6.2 Commercial General Liability
    • 6.2 Commercial General Liability / Coverages
    • 6.2 Commercial General Liability / Coverages / Bodily injury and property damage liability
    • 6.2 Commercial General Liability / Coverages / Personal and advertising injury liability
    • 6.2 Commercial General Liability / Coverages / Medical payments
    • 6.2 Commercial General Liability / Coverage features
    • 6.2 Commercial General Liability / Coverage features / Per occurrence/aggregate
    • 6.2 Commercial General Liability / Coverage features / Occurrence versus claims-made
    • 6.2 Commercial General Liability / Coverage features / Premises and operations
    • 6.2 Commercial General Liability / Coverage features / Products and completed operations
    • 6.2 Commercial General Liability / Coverage features / Insured contract
    • 6.2 Commercial General Liability / Coverage features / Insured contract / Contingent liability
    • 6.2 Commercial General Liability / Selected endorsements
    • 6.2 Commercial General Liability / Selected endorsements / Employers liability
    • 6.2 Commercial General Liability / Selected endorsements / Per project
    • 6.2 Commercial General Liability / Selected endorsements / Per location
    • 6.2 Commercial General Liability / Selected endorsements / Blanket additional insured
    • 6.2 Commercial General Liability / Claims-made features
    • 6.2 Commercial General Liability / Claims-made features / Triggers
    • 6.2 Commercial General Liability / Claims-made features / Retroactive date
    • 6.2 Commercial General Liability / Claims-made features / Extended reporting periods
    • 6.2 Commercial General Liability / Claims-made features / Claim information
    • 6.2 Commercial General Liability / Pollution liability
    • 6.2 Commercial General Liability / Pollution liability / Coverage form
    • 6.2 Commercial General Liability / Pollution liability / Limited coverage form
    • 6.2 Commercial General Liability / Pollution liability / Extension endorsement
    • 6.3 Commercial Crime
    • 6.3 Commercial Crime / General definitions
    • 6.3 Commercial Crime / General definitions / Burglary
    • 6.3 Commercial Crime / General definitions / Theft
    • 6.3 Commercial Crime / General definitions / Robbery
    • 6.3 Commercial Crime / General definitions / Employee dishonesty
    • 6.3 Commercial Crime / Crime coverage forms
    • 6.3 Commercial Crime / Crime coverage forms / Commercial crime (discovery/loss sustained)
    • 6.3 Commercial Crime / Coverages
    • 6.3 Commercial Crime / Coverages / Employee dishonesty
    • 6.3 Commercial Crime / Coverages / Theft
    • 6.3 Commercial Crime / Coverages / Forgery or alteration
    • 6.3 Commercial Crime / Coverages / Inside/outside the premises
    • 6.3 Commercial Crime / Coverages / Computer fraud
    • 6.3 Commercial Crime / Coverages / Funds transfer fraud
    • 6.3 Commercial Crime / Coverages / Money orders and counterfeit paper currency insurance
    • 6.3 Commercial Crime / Other crime coverage
    • 6.3 Commercial Crime / Other crime coverage / Extortion — commercial entities
    • 6.3 Commercial Crime / Other crime coverage / Lessees of safe deposit boxes
    • 6.3 Commercial Crime / Other crime coverage / Securities deposited with others
    • 6.3 Commercial Crime / Other crime coverage / Safe depository
    • 6.4 Farm Coverage
    • 6.4 Farm Coverage / Eligibility
    • 6.4 Farm Coverage / Definitions, conditions, and exclusions
    • 6.4 Farm Coverage / Farm liability coverage form
    • 6.4 Farm Coverage / Farm liability coverage form / Coverage H, I, J
    • 6.4 Farm Coverage / Other forms and coverages
    • 6.4 Farm Coverage / Other forms and coverages / Livestock coverage
    • 6.4 Farm Coverage / Other forms and coverages / Mobile agricultural machinery and equipment coverage
    • 6.4 Farm Coverage / Other forms and coverages / Additional coverages
    • 6.4 Farm Coverage / Other forms and coverages / Crop insurance
    • 6.4 Farm Coverage / Causes of loss
    • 6.4 Farm Coverage / Causes of loss / Basic, broad and special
    • 6.4 Farm Coverage / Policy basics
    • 6.4 Farm Coverage / Policy basics / Limits of insurance
  • 7.0 Businessowners Policy
    • 7.1 Eligibility
    • 7.2 Definitions and exclusions
    • 7.3 Section II -- Liability
    • 7.3 Section II -- Liability / Coverages
    • 7.3 Section II -- Liability / Limits of insurance
    • 7.4 Section III -- Common policy conditions
    • 7.5 Selected endorsements
    • 7.5 Selected endorsements / Hired auto and non-owned auto liability (BP 04 04)
    • 7.5 Selected endorsements / Protective safeguards (BP 04 30)
    • 7.5 Selected endorsements / Utility services-direct damage and time element (BP 04 56-57)
  • 8.0 Workers Compensation Insurance
    • 8.1 State specific markets and laws
    • 8.1 State specific markets and laws / Monopolistic versus competitive and compulsory versus elective
    • 8.2 Nebraska Workers' Compensation Act
    • 8.2 Nebraska Workers' Compensation Act / Exclusive remedy (RL 48-111)
    • 8.2 Nebraska Workers' Compensation Act / Employment covered (RL 48-106, 114, 115)
    • 8.2 Nebraska Workers' Compensation Act / Covered injuries (RL 48-101, 102, 127, 151(2)(4–8))
    • 8.2 Nebraska Workers' Compensation Act / Occupational disease (RL 48-151(3))
    • 8.2 Nebraska Workers' Compensation Act / Benefits provided (RL 48-119–126, 162.01)
    • 8.2 Nebraska Workers' Compensation Act / Second/subsequent injury fund
    • 8.2 Nebraska Workers' Compensation Act / Arising out of employment/course of employment (AOE/COE)
    • 8.3 Federal workers compensation laws
    • 8.3 Federal workers compensation laws / Federal Employers Liability Act (45 USC 51–60)
    • 8.3 Federal workers compensation laws / Longshore and Harbor Workers Compensation Act (33 USC 901- 944, 948-980)
    • 8.3 Federal workers compensation laws / The Jones Act (46 USC 688)
    • 8.4 Workers compensation and employers liability
    • 8.4 Workers compensation and employers liability / General section
    • 8.4 Workers compensation and employers liability / Parts One, Two, Three, Four, Five, and Six
    • 8.5 Selected endorsements
    • 8.5 Selected endorsements / Voluntary compensation
    • 8.5 Selected endorsements / Foreign coverage
    • 8.5 Selected endorsements / Waiver of subrogation
    • 8.5 Selected endorsements / Other states
    • 8.6 Rating factors
    • 8.6 Rating factors / Job classification
    • 8.6 Rating factors / Payroll
    • 8.6 Rating factors / Experience-modification factor
    • 8.6 Rating factors / Premium discounts
    • 8.6 Rating factors / Participation plans
    • 8.6 Rating factors / Surcharges
    • 8.7 Other sources of workers compensation coverage
    • 8.7 Other sources of workers compensation coverage / Nebraska Workers' Compensation Plan, Assigned Risk Plan (RL 44-3,158)
    • 8.7 Other sources of workers compensation coverage / Self-insured employers and employer groups (RL 48-144.02(2), 48-145)
  • 9.0 Other Coverages and Options
    • 9.1 Specialty Coverages
    • 9.1 Specialty Coverages / Types of umbrella/excess/following form liability policies
    • 9.1 Specialty Coverages / Types of umbrella/excess/following form liability policies / Personal (DL 98 01)
    • 9.1 Specialty Coverages / Types of umbrella/excess/following form liability policies / Commercial (CU 00 01)
    • 9.1 Specialty Coverages / Types of specialty liability insurance
    • 9.1 Specialty Coverages / Types of specialty liability insurance / Professional
    • 9.1 Specialty Coverages / Types of specialty liability insurance / Errors and omissions
    • 9.1 Specialty Coverages / Types of specialty liability insurance / Directors and officers
    • 9.1 Specialty Coverages / Types of specialty liability insurance / Fiduciary
    • 9.1 Specialty Coverages / Types of specialty liability insurance / Liquor
    • 9.1 Specialty Coverages / Types of specialty liability insurance / Employment practices
    • 9.1 Specialty Coverages / Types of specialty liability insurance / Employee benefits
    • 9.1 Specialty Coverages / Types of specialty liability insurance / Identity fraud expense coverage
    • 9.1 Specialty Coverages / Types of specialty liability insurance / Cyber liability/data breach
    • 9.1 Specialty Coverages / Types of specialty liability insurance / Construction wrap-up
    • 9.1 Specialty Coverages / Types of specialty liability insurance / Active assailant
    • 9.1 Specialty Coverages / Types of specialty liability insurance / Kidnap and ransom (K&R)
    • 9.2 Surplus Lines
    • 9.2 Surplus Lines / Eligibility and disclosure
    • 9.2 Surplus Lines / Collection of premium tax and fees
    • 9.2 Surplus Lines / Definitions
    • 9.2 Surplus Lines / Definitions / Difference between admitted and non-admitted market carriers
    • 9.2 Surplus Lines / Excess and surplus binding authority limitations
    • 9.3 Bonds
    • 9.3 Bonds / Bond provisions
    • 9.3 Bonds / Bond provisions / Insuring agreement
    • 9.3 Bonds / Bond provisions / Bond period
    • 9.3 Bonds / Bond provisions / Discovery period
    • 9.3 Bonds / Bond provisions / Limit of liability
    • 9.3 Bonds / Bond provisions / Termination of coverage
    • 9.3 Bonds / Parties to a bond
    • 9.3 Bonds / Parties to a bond / Principal
    • 9.3 Bonds / Parties to a bond / Obligee
    • 9.3 Bonds / Parties to a bond / Surety
    • 9.3 Bonds / Purpose of the bonds
    • 9.3 Bonds / Purpose of the bonds / Surety
    • 9.3 Bonds / Purpose of the bonds / Fidelity
    • 9.3 Bonds / Types of fidelity coverage
    • 9.3 Bonds / Types of fidelity coverage / Employee theft
    • 9.3 Bonds / Types of fidelity coverage / Public official
    • 9.3 Bonds / Types of fidelity coverage / Financial institution
    • 9.3 Bonds / Types of fidelity coverage / Fiduciary
    • 9.3 Bonds / Types of surety bonds
    • 9.3 Bonds / Types of surety bonds / Contract
    • 9.3 Bonds / Types of surety bonds / Bid
    • 9.3 Bonds / Types of surety bonds / Performance
    • 9.3 Bonds / Types of surety bonds / Completion
    • 9.3 Bonds / Types of surety bonds / License
    • 9.3 Bonds / Types of surety bonds / Judicial
    • 9.3 Bonds / Types of surety bonds / Permit
    • 9.4 Ocean Marine Insurance
    • 9.4 Ocean Marine Insurance / Major coverages
    • 9.4 Ocean Marine Insurance / Major coverages / Hull
    • 9.4 Ocean Marine Insurance / Major coverages / Cargo
    • 9.4 Ocean Marine Insurance / Major coverages / Freight
    • 9.4 Ocean Marine Insurance / Major coverages / Protection and indemnity (P&I)
    • 9.4 Ocean Marine Insurance / Policy provisions
    • 9.4 Ocean Marine Insurance / Policy provisions / Implied warranties
    • 9.4 Ocean Marine Insurance / Policy provisions / Perils of the sea
    • 9.4 Ocean Marine Insurance / Policy provisions / General and particular average
    • 9.5 Aviation Insurance
    • 9.5 Aviation Insurance / Policy coverages and provisions
    • 9.5 Aviation Insurance / Policy coverages and provisions / Hull
    • 9.5 Aviation Insurance / Policy coverages and provisions / Cargo and freight
    • 9.5 Aviation Insurance / Policy coverages and provisions / Aircraft liability
    • 9.5 Aviation Insurance / Policy coverages and provisions / Implied warranties
    • 9.5 Aviation Insurance / Policy coverages and provisions / Perils
    • 9.5 Aviation Insurance / Policy coverages and provisions / General and particular average
    • 9.6 Other Policies
    • 9.6 Other Policies / Boatowners policies, personal watercraft, and recreational vehicles

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 Nebraska Producer's Examination for Casualty Insurance Series 13-23 details.