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Virginia Property & Casualty Insurance Examination

Virginia Property & Casualty Practice Test

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Questions updated at Sep 7, 2026, 9:25 PM CDT

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Today's 10 Virginia Property & Casualty questions

Use this Virginia Property & Casualty practice test to review Virginia Property & Casualty Insurance Examination Series 11-03. 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 11-03 objective: 6.3 Commercial auto — covered auto symbols Auto Insurance

A business auto policy shows a coverage symbol next to liability coverage. Why is the symbol important when evaluating a claim?

Concept tested:

Source:Virginia Property and Casualty Insurance Examination — Official Content Outline, Series 11-03

Question 2 of 10

Objective Official Series 11-03 objective: 8.2 Section I — exclusions Businessowners Policy

A BOP property claim results solely from a cause of loss expressly excluded by the policy, and no exception or endorsement restores coverage. What is the correct coverage result?

Concept tested:

Question 3 of 10

Objective Official Series 11-03 objective: 6.3 Commercial auto — Virginia UM endorsement Auto Insurance

A Virginia business wants to confirm how uninsured-motorist protection is added or modified on its commercial auto coverage. Which selected state-specific endorsement area should the producer review?

Concept tested:

Question 4 of 10

Objective Official Series 11-03 objective: 7.4 Commercial crime — employee theft Commercial Package Policy

A trusted bookkeeper steals $40,000 from the employer over several months. Which commercial crime coverage is designed most directly for this exposure?

Concept tested:

Question 5 of 10

Objective Official Series 11-03 objective: 2.1 Concepts — hazards General Insurance

A business owner deliberately inflates inventory values because he intends to profit if a fire occurs. Which insurance concept best describes the increased risk created by his dishonesty?

Concept tested:

Question 6 of 10

Objective Official Series 11-03 objective: 10.2 Specialty liability — professional liability Other Coverages and Options

An architect is concerned about claims alleging negligent design services that cause a client's financial loss. Which specialty liability coverage is most directly designed for that professional-services exposure?

Concept tested:

Question 7 of 10

Objective Official Series 11-03 objective: 8.5 Selected endorsements — hired and nonowned auto Businessowners Policy

A small business with a BOP has employees occasionally use rented vehicles and personal cars for company errands. The owner wants liability protection for qualifying hired and nonowned auto exposures. Which BOP endorsement should be evaluated?

Concept tested:

Question 8 of 10

Objective Official Series 11-03 objective: 5.4 Section II — Coverage E Homeowners Policy

A guest sues a homeowner for bodily injury after allegedly tripping over a negligently maintained step. Which homeowners Section II coverage primarily responds to covered legal liability?

Concept tested:

Question 9 of 10

Objective Official Series 11-03 objective: 6.3 Commercial auto — garagekeepers Auto Insurance

A repair shop has a customer's vehicle in its care for service when an employee accidentally damages it. Which commercial-auto coverage is specifically designed to address covered damage to customers' autos in the insured's care?

Concept tested:

Question 10 of 10

Objective Official Series 11-03 objective: 7.3 Commercial property — causes of loss Commercial Package Policy

A commercial property buyer wants the broadest of the standard Basic, Broad, and Special Causes of Loss forms. Which form generally provides open-perils coverage subject to exclusions?

Concept tested:

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The free daily Virginia Property & Casualty set includes crawlable question text, answer choices, correct answer labels, objective mapping, and source links. Only the first SEO card includes answer explanations and any extra learning features. Pro-only bank questions stay locked; this section mirrors only the 10 free daily questions already shown on this page.

Question 1 A business auto policy shows a coverage symbol next to liability coverage. Why is the symbol important when evaluating a claim?

Answer choices

A. It sets the insurer's corporate domicile.
B. It replaces every exclusion in the policy.
C. It determines the employee's workers' compensation wage.
D. It identifies the category of autos that qualify as covered autos for that coverage.

Correct answer

It identifies the category of autos that qualify as covered autos for that coverage.

Commercial auto coverage symbols define which autos are covered for particular coverages.

Wrong-answer review

A. It sets the insurer's corporate domicile.: Incorrect. This option applies the wrong rule or reaches the wrong result on the stated facts. Commercial auto coverage symbols define which autos are covered for particular coverages.
B. It replaces every exclusion in the policy.: Incorrect. That coverage, form, or policy concept addresses a different exposure or does not fit these facts. Commercial auto coverage symbols define which autos are covered for particular coverages.
C. It determines the employee's workers' compensation wage.: Incorrect. This option applies the wrong rule or reaches the wrong result on the stated facts. Commercial auto coverage symbols define which autos are covered for particular coverages.

Extra learning features

Why candidates miss this

A covered-auto symbol does not erase exclusions. It answers a threshold question: which category of autos—any, owned, specifically described, hired, nonowned, etc.—qualifies for the coverage next to the symbol. Likely wrong answer: It replaces every exclusion in the policy. Review focus: Virginia Property and Casualty Insurance Examination — Official Content Outline, Series 11-03

Why this matters

Commercial-auto symbols are coverage gatekeepers: the symbol next to each coverage tells you which category of autos qualifies. If you misread the symbol, you can analyze the rest of the claim correctly and still reach the wrong coverage result.

Objective/domain: Auto Insurance

Source: Virginia Property and Casualty Insurance Examination — Official Content Outline, Series 11-03

Question 2 A BOP property claim results solely from a cause of loss expressly excluded by the policy, and no exception or endorsement restores coverage. What is the correct coverage result?

Answer choices

A. The claim is automatically covered because a BOP is always all-risk without exclusions.
B. The Section I property claim is excluded.
C. Section II liability must pay the business's own property loss.
D. The insurer must pay half the loss because BOP exclusions are partial only.

Correct answer

The Section I property claim is excluded.

Objective/domain: Businessowners Policy

Source: Virginia Property and Casualty Insurance Examination — Official Content Outline, Series 11-03

Question 3 A Virginia business wants to confirm how uninsured-motorist protection is added or modified on its commercial auto coverage. Which selected state-specific endorsement area should the producer review?

Answer choices

A. The Homeowners Earthquake endorsement.
B. The Commercial Property Vacancy Permit.
C. The Virginia Uninsured Motorist commercial-auto endorsement.
D. The Workers' Compensation assigned-risk application.

Correct answer

The Virginia Uninsured Motorist commercial-auto endorsement.

Objective/domain: Auto Insurance

Source: Virginia Property and Casualty Insurance Examination — Official Content Outline, Series 11-03

Question 4 A trusted bookkeeper steals $40,000 from the employer over several months. Which commercial crime coverage is designed most directly for this exposure?

Answer choices

A. CGL Coverage B.
B. Business Income coverage.
C. Employee Theft coverage.
D. Garagekeepers coverage.

Correct answer

Employee Theft coverage.

Objective/domain: Commercial Package Policy

Source: Virginia Property and Casualty Insurance Examination — Official Content Outline, Series 11-03

Question 5 A business owner deliberately inflates inventory values because he intends to profit if a fire occurs. Which insurance concept best describes the increased risk created by his dishonesty?

Answer choices

A. A physical hazard.
B. A pure risk.
C. A moral hazard.
D. A morale hazard.

Correct answer

A moral hazard.

Objective/domain: General Insurance

Source: Virginia Property and Casualty Insurance Examination — Official Content Outline, Series 11-03

Question 6 An architect is concerned about claims alleging negligent design services that cause a client's financial loss. Which specialty liability coverage is most directly designed for that professional-services exposure?

Answer choices

A. Commercial property building coverage.
B. Workers' compensation.
C. Professional liability, often called errors and omissions insurance.
D. Garagekeepers coverage.

Correct answer

Professional liability, often called errors and omissions insurance.

Objective/domain: Other Coverages and Options

Source: Virginia Property and Casualty Insurance Examination — Official Content Outline, Series 11-03

Question 7 A small business with a BOP has employees occasionally use rented vehicles and personal cars for company errands. The owner wants liability protection for qualifying hired and nonowned auto exposures. Which BOP endorsement should be evaluated?

Answer choices

A. Hired Auto and Non-Owned Auto Liability endorsement.
B. Protective Safeguards endorsement.
C. Named Perils property endorsement.
D. Scheduled Personal Property homeowners endorsement.

Correct answer

Hired Auto and Non-Owned Auto Liability endorsement.

Objective/domain: Businessowners Policy

Source: Virginia Property and Casualty Insurance Examination — Official Content Outline, Series 11-03

Question 8 A guest sues a homeowner for bodily injury after allegedly tripping over a negligently maintained step. Which homeowners Section II coverage primarily responds to covered legal liability?

Answer choices

A. Coverage E — Personal Liability.
B. Coverage C — Personal Property.
C. Coverage D — Loss of Use.
D. Coverage F — Medical Payments to Others only.

Correct answer

Coverage E — Personal Liability.

Objective/domain: Homeowners Policy

Source: Virginia Property and Casualty Insurance Examination — Official Content Outline, Series 11-03

Question 9 A repair shop has a customer's vehicle in its care for service when an employee accidentally damages it. Which commercial-auto coverage is specifically designed to address covered damage to customers' autos in the insured's care?

Answer choices

A. Garagekeepers coverage.
B. Trailer interchange coverage.
C. Business income coverage.
D. Products-completed operations aggregate only.

Correct answer

Garagekeepers coverage.

Objective/domain: Auto Insurance

Source: Virginia Property and Casualty Insurance Examination — Official Content Outline, Series 11-03

Question 10 A commercial property buyer wants the broadest of the standard Basic, Broad, and Special Causes of Loss forms. Which form generally provides open-perils coverage subject to exclusions?

Answer choices

A. Basic Causes of Loss Form.
B. Broad Causes of Loss Form.
C. Special Causes of Loss Form.
D. Commercial Crime Discovery Form.

Correct answer

Special Causes of Loss Form.

Objective/domain: Commercial Package Policy

Source: Virginia Property and Casualty Insurance Examination — Official Content Outline, Series 11-03

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