Connecticut WC Insurance School Practice Test

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• Which worker would typically NOT be covered under workers' compensation?
• Which term best describes an accident involving continuous exposure to harmful conditions?
• Which statement is NOT true regarding common law?
• Which type of damages refers specifically to tangible losses such as lost wages?
• Which of the following represents the requirement for "Other States" coverage?
• Which information is NOT typically included on the CMS-1500 form?
• Which group is covered by the Federal Employers' Liability Act (FELA)?
• Which type of insurance company is owned by shareholders?
• If the Commissioner finds a person engaged in unfair or deceptive practices, what is the maximum possible fine for each violation?
• In a modified comparative negligence standard, what happens if a plaintiff is found to be 60% at fault for their injuries?
• Why might a worker's choice to not refuse a dangerous task be relevant in a workers' compensation claim?
• What is the primary role of the Connecticut Commissioner in the licensing process?
• What will happen to Lisa and Dale if they are caught with Dale taking the licensing exam on Lisa's behalf?
• What does the liberalization clause in an insurance policy state?
• What requirement must be met for an application for a nonresident license in Connecticut?
• Which of the following is NOT a method employers have to obtain workers' compensation coverage?
• Under a liability policy, when will the insurance company pay damages on behalf of an insured?
• Which entity owns a mutual insurance company?
• An insurance agency that sells policies from multiple companies is known as what?
• Why might Chris receive less than the full unearned premium when he cancels his insurance policy?
• What is the purpose of punitive damages in a legal context?
• What is the name of the workers' compensation plan covering land-based maritime workers?
• Which of the following is NOT a consideration for granting a casualty adjuster license by the Connecticut Commissioner?
• In the case of Karen, Bill, and Josh, which common law defense might Ellie's Engineering use?
• When an injured employee in Connecticut dies after receiving weekly disability benefits, what timeframe does the employer have to inform the dependents about potential death benefits?
• Who primarily regulates the insurance industry in the United States?
• Which of the following is a common example of a negligent tort?
• What can potentially affect a person's ability to obtain a casualty adjuster license in Connecticut?
• Which component of an insurance policy allows for changes to be made in coverage?
• What workers' compensation classification allows an injured worker to perform "light duty" work while recovering?
• What type of liability applies when a blasting contractor damages property without proving negligence?
• What is the predetermined amount an insured must pay before their insurance coverage kicks in?
• What is the legal term for Sarah's injury caused by Sam's failure to place a caution sign?
• Which of the following would be classified as general damages?
• What is one implication of setting claim reserves too high?
• For which of the following reasons could an insurance license be revoked in Connecticut?
• What type of expenses does the insurance company NOT pay in a claim under a standardized NCCI workers' compensation policy?
• Which distribution system employs agents as actual employees of the insurance company?
• What role does proof of loss play in a liability insurance lawsuit?
• Which of the following duties is NOT required of employers regarding workers' compensation?
• What document initiates a lawsuit regarding a liability insurance claim?
• What term describes the process of resolving an insurance contract dispute through an objective third party?
• Which goal is NOT associated with the state Workers' Compensation Commission?
• What happens if an insurer decides to broaden its coverage for existing policyholders?
• How does the Insurance Commissioner refer to an insurer formed under the laws of a different state?
• Before suing an insurer for coverage, what must an insured do?
• In terms of insurance, what is an example of fiduciary responsibility?
• Which organization is responsible for overseeing paid claims from admitted insolvent insurers?
• Who selects the specialist to perform an Independent Medical Examination (IME) in workers' compensation cases?
• What term refers to "liability through another person"?
• What type of insurer is not authorized to transact business in a state?
• Which of the following is NOT a duty of the insured after causing a liability loss?
• What type of system is Binders Keepers, Inc. using to sell their insurance products over the phone?
• What is used to modify standardized insurance forms to comply with state laws?
• What is the burial expense benefit amount for Lisa, whose husband was killed on the job in Connecticut?
• If a plaintiff is found 15% negligent in a comparative negligence system, what will happen to their damage award?
• What primary protection do employees receive from workers' compensation laws?
• What certification is required for a surplus lines broker to place business with nonadmitted insurers?
• What type of insurance organization is defined as private, unincorporated mutual insurers that share risks among their members?
• Which type of claim does the Workers’ Compensation Commission handle?
• The system where insurance representatives are paid a salary by the insurance company is known as what?
• In which of the following scenarios would the defendant not be legally liable for negligence?
• Which type of damages compensates for non-economic losses such as emotional distress?
• Which insurance company structure allows for policyholders to have a say in company governance?
• What is the limit for medical expenses paid under a workers' compensation policy?
• Which entity oversees the regulation of insurance licensing in individual states under Public Law 15?
• What happens if an insured does not disclose the business use of their home on their insurance application?
• What is the maximum fine that may be imposed for cause in addition to suspension or revocation of an adjuster license?
• Which of the following is NOT a method for determining causation of injuries under a workers' compensation claim?
• Which of the following is NOT typically included in a proof of loss statement?
• If an insurance adjuster sets claim reserves higher than needed, what is the likely outcome?
• In the case of Alma, who works at Manny's Manufacturing in Connecticut, what is her right regarding the selection of a treating physician?
• Which of the following scenarios would NOT be acceptable under workers' compensation for coverage?
• What does "ambiguous language" in an insurance policy refer to?
• Which torts can be covered by insurance policies?
• What is the insurance license issued by a state insurance department known as?
• How is the amount of weekly disability benefits for a temporary disability determined?
• Under the A.M. Best rating system, what does a rating of "E" indicate about an insurance company?
• What must adjusters consider when determining claim reserves?
• When does nonrenewal of an insurance policy occur?
• When assessing insurance rates, who typically conducts the actuarial review?
• Which of the following is NOT covered by standard workers' compensation policies?
• How does an employer's notice of a claim impact the insurer?
• What determines the amount of a surplus lines premium tax?
• How long must the hearing regarding a suspected insurance law violation be held after notice is given?
• In a contribution by equal shares method, if there are three insurers covering a $500,000 loss, how much will each insurer with equal limits pay?
• What is another term for "Transfer of Rights of Recovery Against Others to Us" found in many insurance policies?
• The primary goal of the Insurance Services Office, Inc. is to?
• Under workers' compensation insurance, who pays the premiums?
• Which insurance coverage typically involves providing defense costs related to liability claims?
• What deductions are considered when calculating TTD benefits in Connecticut?
• What is the temporary document that obligates an insurance company to provide coverage while a policy is pending?
• What is the most common method used by employers to obtain workers' compensation coverage?
• What must an applicant demonstrate to be considered for a casualty adjuster license?
• How is the calculation of TTD benefits typically structured in Connecticut?
• In the context of insurance, what does the term "reciprocal" imply?
• What is the purpose of the "Other States" coverage in a workers' compensation policy?
• What happens if a worker does not lose time beyond the waiting period?
• If Mike's underlying liability policy expired but his excess liability policy is active, how will a loss be handled?
• What is the significance of the burial expense benefit in the context of workplace injuries?
• According to the standard workers' compensation policy, what does "The Insured" refer to?
• What is the primary reason for licensing surplus lines brokers in a state?
• Which of the following is NOT a common-law duty of an employer?
• Who must sign an application submitted by a corporation for an adjuster license in Connecticut?
• Which of the following is NOT a factor in proving negligence?
• How is a negligent act defined in the context of insurance liability?
• What is one of the primary roles of a workers' compensation adjuster?
• What type of liability is imposed specifically by statutory law?
• A corporation organized for the mutual benefit of its members is known as what?
• In a situation with two insurance policies covering the same property, what method is described by "the pro-rata share method" for claims?
• Which action can potentially lead to an employer's liability in workers' compensation cases?
• What does Part One of the NCCI standard workers' compensation policy specify?
• In a liability policy, which of the following is NOT considered a "supplementary payment"?
• Workers' compensation laws typically apply to which of the following groups?
• What type of benefit is Lisa entitled to receive due to her husband's on-the-job death?
• In the context of workers' compensation, what does "indemnity" refer to?
• What type of accident typically qualifies for workers' compensation?
• What do Standard and Poor's, A.M. Best, and Moody's have in common?
• What will the basis of Veronica's TTD benefit calculation be?
• What is the purpose of maintaining accurate claim reserves?
• Which method results in each insurer paying an equal amount until the loss is paid or a policy limit is exhausted?
• What action does the Insurance Commissioner take first when a violation of insurance law is identified?
• If Bill was sued and the court found him negligent, what does this mean?
• Which of the following statements about the term "state" in the standard workers' compensation policy is correct?
• Who is responsible for paying the actuary hired to review premium rates submitted to the Connecticut Insurance Department?
• Which best describes a tort?
• What term describes a state where an employer can choose whether to provide workers' compensation coverage?
• Which statement about Public Law 15 (The McCarren-Ferguson Act) is NOT true?
• What is the main purpose of government regulation in the insurance industry?
• What best describes the term "fiduciary" in insurance?
• What could be a potential outcome if a plaintiff is determined to be 50% at fault for their injuries?
• Which of the following represents an exception to tort law?
• When an insured party is found negligent, which of the following is considered compensatory special damages?
• In liability insurance, what does the term "breach of duty" refer to?
• What does the term "retroactive period" refer to in workers' compensation insurance?
• What type of insurance allows an insured to collect damages from their own insurer without proving another party's negligence?
• Which of the following is NOT a responsibility of the Insurance Commissioner?
• In a monopolistic state, employers are required to purchase their workers' compensation coverage from which entity?
• What determines the length of time an adjuster has to investigate and settle a workers' compensation claim?
• Which benefits do workers' compensation policies typically cover?
• What method does the standard NCCI workers' compensation policy specify for claims payments when other insurance covers the risk?
• Which of the following best describes "the law of agency" in the context of insurance?
• To have a claim paid under a liability policy, who must be legally liable?
• What should an employer do upon the death of an employee receiving benefits?
• Which option is NOT an exception to workers' compensation's exclusive remedy?
• How often must a Connecticut casualty claims adjuster license be renewed?
• An insurer operating in Minnesota that was chartered under the laws of a Canadian province is classified as which type of insurer?
• In a pure comparative negligence jurisdiction, if Jewell was 10% at fault and her damage award is $22,000, how much will it be reduced by?
• What must an insurance company hold to lawfully write insurance business in a state?
• Which of the following is NOT a duty of a workers' compensation adjuster?
• What is typically excluded from coverage under standard workers' compensation policies?
• What is a written modification of an insurance policy called?
• When each insurer covers a risk based on their policy limits, what is this known as?
• When can an insured assign their insurance policy to another party?
• If Alma selects her own treating physician after initial treatment, what does this imply about her options for continued care?
• Which element is NOT present in determining proximate cause?
• When must the last exposure to disease-causing conditions occur to be covered under workers' compensation?
• Which of the following injuries would likely not be compensable under workers' compensation?
• What is an "admitted insurer" in most states?
• What type of claims can the Voluntary Compensation endorsement cover?
• What is the term for the requirement to file a lawsuit within a specific time frame after an injury?
• In the scenario where Carissa gets injured while retrieving a forgotten hard drive, which statement is true regarding her workers' compensation coverage?
• What is the term for a situation where more than one insurance policy shares in the loss until the lowest policy limit is exhausted?
• What is a primary benefit of workers' compensation insurance?
• What happens after the Insurance Commissioner determines that a licensee has violated an insurance law?
• In Connecticut, how is assistance provided to dependents in the event of a worker's death?
• Which of the following is NOT a type of rehabilitative service covered under a workers' compensation policy?
• Licensees must notify the Commissioner of any change in business or residence address within how many days of the change?
• Which of the following is NOT an expression of coverage limits in a liability policy?
• In what situation are workers' compensation indemnity benefits generally paid in a lump sum?
• Which statement about Employers Liability coverage is NOT true?
• What is a key characteristic of strict liability?
• Which of the following best describes the relevance of the weekly wage benefit to an employee's overall earnings?
• What is the financial term used for the total costs a policyholder must pay out-of-pocket before insurance begins to assist with a claim?
• What is the primary purpose of workers' compensation insurance?
• When is an insurer considered to have received notice of a claim?
• If an insured misrepresents their use of property on an insurance application, what action is most likely taken by the insurer?
• Which statement is true regarding Lloyd's of London?
• What percentage of her average weekly wage will Veronica receive as her Temporary Total Disability (TTD) benefit?
• Which statement is NOT true about the Connecticut Division of Consumer Affairs within the Insurance Department?
• Which federal law does NOT regulate workers' compensation coverage?
• Which part of a standard workers' compensation policy describes cancellation procedures?
• What best describes a "competitive" state in terms of workers' compensation coverage?
• If Darren lies on his license application about a felony conviction, what is the potential maximum penalty he could face?
• In insurance terms, what does unearned premium refer to?
• What does the Voluntary Compensation endorsement provide coverage for?
• What is the term for the insurance marketplace where underwriters meet with brokers?
• What role does the Connecticut Division of Consumer Affairs NOT serve?
• For a proof of loss statement, which of the following statements is NOT true?
• Which of the following aspects is considered when calculating contributions to a loss among multiple policies?
• What is the fundamental trade-off of Workers' Compensation insurance?
• Which organization publishes the most widely used property and casualty insurance forms in the United States?
• If a plaintiff receives damages for pain and suffering due to a defendant's negligence, what type of damages are these?
• Which type of insurance company must charge a premium tax on policies sold?
• What is one characteristic that is NOT true about punitive damages?
• Which of the following does NOT fund the Connecticut Second Injury Fund?
• What does an "occurrence" liability policy cover?
• Which is an example of a benefit that could be provided by the Workers' Compensation Commission?
• Which of the following statements about workers' compensation is true?
• What obligation does the insurer have in defending claims against the insured employer?
• What is Temporary Total Disability (TTD) status?
• When can an injured worker in Connecticut change their treating physician?
• What is required for an employee's occupational disease to be covered under workers' compensation?
• What is the primary role of an insurance agent acting under a law of agency?
• Which situation would NOT be considered an injury that "arises out of and in the course of" employment?
• If an employer self-insures their workers' compensation risks, what type of coverage should they purchase to cover claims exceeding their self-insured limits?
• What is NOT a duty of the insured if an injury occurs?
• Which of the following could be a result of workers' compensation insurance?
• What is the main purpose of an Insurance Guaranty Association?
• Which statement about a resident adjuster license in Connecticut is NOT true?
• Who typically determines the Maximum Medical Improvement (MMI) for an injured worker?
• Why is it important for a proof of loss to be completed accurately?
• Which exclusion is NOT found under Part Two - Employer's Liability of the standard workers' compensation policy?
• What defense against negligence is likely used by an amusement park if a rider gets injured after knowing the risks of a ride?
• Which statement about discretionary wage differential benefits in Connecticut is NOT true?
• What best describes a tort?