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Pennsylvania Property & Casualty Insurance Examination

Pennsylvania Property & Casualty Practice Test

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Questions updated at Sep 4, 2026, 11:57 PM CDT

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Today's 10 Pennsylvania Property & Casualty questions

Use this Pennsylvania Property & Casualty practice test to review Pennsylvania Property & Casualty Insurance Examination. Questions rotate daily and each answer links back to the source used to write it.

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Question 1 of 10

Objective Official Series 16-06 blueprint: 2.0 General Insurance Concepts (8%) — stock versus mutual insurer General insurance concepts

A policyholder asks how a mutual insurer differs from a stock insurer. Which statement is most accurate?

Concept tested:

Source:PSI — Pennsylvania Producer's Examination for Property and Casualty Insurance, Series 16-06 Official Content Outline

Question 2 of 10

Objective Official Series 16-06 blueprint: 12.0 Other Types of Property and Casualty Insurance (8%) — cyber liability Other types of property and casualty insurance

A retailer suffers a network intrusion that exposes customer data and creates notification, forensic, and liability expenses. Which specialty coverage is most relevant?

Concept tested:

Question 3 of 10

Objective Official Series 16-06 blueprint: 9.0 Commercial General Liability (7%) — occurrence trigger Commercial general liability

A store's CGL is written on an occurrence basis. A covered accident occurs during the 2025 policy period, but the claimant does not sue until 2027. Which policy period is ordinarily implicated?

Concept tested:

Question 4 of 10

Objective Official Series 16-06 blueprint: 4.0 Dwelling Policy Concepts (4%) — DP-2 Broad Dwelling policy concepts

An owner wants a dwelling policy that covers more named perils than the DP-1 but does not want the DP-3 special-form approach. Which form best matches?

Concept tested:

Question 5 of 10

Objective Official Series 16-06 blueprint: 6.0 Personal Automobile Policy (10%) — collision Personal automobile policy

An insured backs into a concrete post and damages the insured vehicle. Which personal-auto physical-damage coverage is designed for this direct collision loss, subject to deductible and exclusions?

Concept tested:

Question 6 of 10

Objective Official Series 16-06 blueprint: 11.0 Workers' Compensation Insurance (5%) — no-fault benefits Workers' compensation insurance

An employee is injured in the course of work even though the employee's own ordinary negligence contributed to the accident. Which Pennsylvania workers' compensation principle is most relevant?

Concept tested:

Question 7 of 10

Objective Official Series 16-06 blueprint: 2.0 General Insurance Concepts (8%) — express authority General insurance concepts

An insurer's written agency contract states that a producer may bind homeowners coverage up to specified limits. What type of authority is this?

Concept tested:

Question 8 of 10

Objective Official Series 16-06 blueprint: 7.0 Commercial Automobile Policy (5%) — drive other car Commercial automobile policy

An executive is furnished a company auto and has no personal auto policy. The employer wants an endorsement that may extend certain personal-type protection when the executive drives other autos. Which BAP endorsement is relevant?

Concept tested:

Question 9 of 10

Objective Official Series 16-06 blueprint: 1.0 Insurance Regulation (20%) — solvency regulation Insurance regulation

During a market review, an insurer's financial condition raises concerns about its ability to pay future claims. Which regulatory concept is directly involved?

Concept tested:

Question 10 of 10

Objective Official Series 16-06 blueprint: 8.0 Commercial Property Policies (7%) — spoilage Commercial property policies

A grocery store loses refrigerated inventory when a covered refrigeration breakdown changes temperature beyond acceptable limits. Which commercial-property endorsement is specifically relevant?

Concept tested:

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Question 1 A policyholder asks how a mutual insurer differs from a stock insurer. Which statement is most accurate?

Answer choices

A. Both are owned exclusively by state regulators.
B. A stock insurer is owned by policyholders and a mutual by bondholders.
C. The distinction depends only on whether the insurer writes commercial lines.
D. A mutual insurer is owned by its policyholders, while a stock insurer is owned by shareholders.

Correct answer

A mutual insurer is owned by its policyholders, while a stock insurer is owned by shareholders.

The official outline tests stock and mutual classifications; ownership is the central distinction.

Wrong-answer review

A. Both are owned exclusively by state regulators.: Incorrect. Regulators supervise but do not own insurers.
B. A stock insurer is owned by policyholders and a mutual by bondholders.: Incorrect. The ownership descriptions are reversed and bondholders are not the defining owners.
C. The distinction depends only on whether the insurer writes commercial lines.: Incorrect. Product mix does not define stock versus mutual.

Extra learning features

Why candidates miss this

The likely distractor — Both are owned exclusively by state regulators. — can sound plausible because it uses a familiar insurance idea or focuses on a secondary fact. The controlling rule is: A stock insurer is owned by shareholders; a mutual insurer is owned by policyholders/members. Stock dividends go to shareholders, while mutual policyholders may receive dividends when declared. The decisive exam cue is 'Stock = shareholders; mutual = policyholders'. Ownership, not state regulation or where the company operates, is the key distinction. Likely wrong answer: Both are owned exclusively by state regulators. Review focus: PSI — Pennsylvania Property & Casualty Series 16-06 Official Content Outline

Why this matters

A stock insurer is owned by shareholders; a mutual insurer is owned by policyholders/members. Stock dividends go to shareholders, while mutual policyholders may receive dividends when declared. Getting the distinction wrong leads to bad risk, contract, or agency analysis and causes mistakes in nearly every later coverage domain. For the exam, the practical distinction is: Ownership, not state regulation or where the company operates, is the key distinction.

Objective/domain: General insurance concepts

Source: PSI — Pennsylvania Producer's Examination for Property and Casualty Insurance, Series 16-06 Official Content Outline

Question 2 A retailer suffers a network intrusion that exposes customer data and creates notification, forensic, and liability expenses. Which specialty coverage is most relevant?

Answer choices

A. Dwelling DP-2.
B. Workers' Compensation only.
C. MCS-90.
D. Internet Liability / Network Protection or cyber insurance.

Correct answer

Internet Liability / Network Protection or cyber insurance.

Objective/domain: Other types of property and casualty insurance

Source: PSI — Pennsylvania Producer's Examination for Property and Casualty Insurance, Series 16-06 Official Content Outline

Question 3 A store's CGL is written on an occurrence basis. A covered accident occurs during the 2025 policy period, but the claimant does not sue until 2027. Which policy period is ordinarily implicated?

Answer choices

A. Only the policy in force when suit is filed.
B. Every policy issued after the accident.
C. The occurrence policy in force when the covered injury or damage occurred.
D. No policy because reporting occurred later.

Correct answer

The occurrence policy in force when the covered injury or damage occurred.

Objective/domain: Commercial general liability

Source: PSI — Pennsylvania Producer's Examination for Property and Casualty Insurance, Series 16-06 Official Content Outline

Question 4 An owner wants a dwelling policy that covers more named perils than the DP-1 but does not want the DP-3 special-form approach. Which form best matches?

Answer choices

A. DP-2 Broad.
B. DP-1 Basic.
C. DP-3 Special.
D. HO-4 Contents Broad.

Correct answer

DP-2 Broad.

Objective/domain: Dwelling policy concepts

Source: PSI — Pennsylvania Producer's Examination for Property and Casualty Insurance, Series 16-06 Official Content Outline

Question 5 An insured backs into a concrete post and damages the insured vehicle. Which personal-auto physical-damage coverage is designed for this direct collision loss, subject to deductible and exclusions?

Answer choices

A. Other-than-collision/comprehensive coverage.
B. Bodily Injury Liability.
C. Collision coverage.
D. Medical Benefits.

Correct answer

Collision coverage.

Objective/domain: Personal automobile policy

Source: PSI — Pennsylvania Producer's Examination for Property and Casualty Insurance, Series 16-06 Official Content Outline

Question 6 An employee is injured in the course of work even though the employee's own ordinary negligence contributed to the accident. Which Pennsylvania workers' compensation principle is most relevant?

Answer choices

A. Benefits are payable only if the employer was negligent.
B. Employee negligence always eliminates medical benefits.
C. The employee must first win a civil tort judgment.
D. Workers' compensation is generally a no-fault system providing statutory benefits for covered work injuries.

Correct answer

Workers' compensation is generally a no-fault system providing statutory benefits for covered work injuries.

Objective/domain: Workers' compensation insurance

Source: Pennsylvania Department of Labor & Industry — Workers' Compensation Employer Information

Question 7 An insurer's written agency contract states that a producer may bind homeowners coverage up to specified limits. What type of authority is this?

Answer choices

A. Implied authority.
B. Apparent authority.
C. Retroactive authority.
D. Express authority.

Correct answer

Express authority.

Objective/domain: General insurance concepts

Source: PSI — Pennsylvania Producer's Examination for Property and Casualty Insurance, Series 16-06 Official Content Outline

Question 8 An executive is furnished a company auto and has no personal auto policy. The employer wants an endorsement that may extend certain personal-type protection when the executive drives other autos. Which BAP endorsement is relevant?

Answer choices

A. Mobile Equipment (CA 20 15).
B. Peak Season Limit of Insurance (CP 12 30).
C. Earthquake Coverage (HO 04 54).
D. Drive Other Car Coverage (CA 99 10).

Correct answer

Drive Other Car Coverage (CA 99 10).

Objective/domain: Commercial automobile policy

Source: PSI — Pennsylvania Producer's Examination for Property and Casualty Insurance, Series 16-06 Official Content Outline

Question 9 During a market review, an insurer's financial condition raises concerns about its ability to pay future claims. Which regulatory concept is directly involved?

Answer choices

A. Producer appointment termination.
B. Solvency regulation of insurers.
C. Policy assignment by insureds.
D. Comparative negligence.

Correct answer

Solvency regulation of insurers.

Objective/domain: Insurance regulation

Source: PSI — Pennsylvania Producer's Examination for Property and Casualty Insurance, Series 16-06 Official Content Outline

Question 10 A grocery store loses refrigerated inventory when a covered refrigeration breakdown changes temperature beyond acceptable limits. Which commercial-property endorsement is specifically relevant?

Answer choices

A. Ordinance or Law (CP 04 05).
B. Spoilage (CP 04 40).
C. Personal Injury (HO 24 82).
D. MCS-90.

Correct answer

Spoilage (CP 04 40).

Objective/domain: Commercial property policies

Source: PSI — Pennsylvania Producer's Examination for Property and Casualty Insurance, Series 16-06 Official Content Outline

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