10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The IN-PC exam has 150 questions and runs 3 hours.
These 10 free IN-PC questions are organized by exam domain, so you can see how each part of the Indiana Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A condominium association's master policy covers only the exterior shell. A unit owner wants coverage for the built-in cabinets and flooring she is responsible for, her personal property, loss assessment, personal liability, and temporary living expenses after a covered loss. Which homeowners form is designed for this exposure?
Correct answer: B - HO-6
An owner-operated commercial building has used only 28% of its total square footage for customary operations for 74 consecutive days; the remainder is unused. Consider a theft loss and a separate covered fire loss during that period. How does the standard commercial property vacancy condition apply?
Correct answer: D - The theft is not payable; the fire remains covered, but its payment is reduced by 15%.
A homeowner carries the maximum standard National Flood Insurance Program limits on a one-family dwelling and its contents. A covered flood damages both and forces the family into a hotel. Which combination accurately states the available coverage?
Correct answer: A - Building coverage is capped at $250,000 and contents at $100,000; standard NFIP coverage does not pay additional living expense.
A building valued at $900,000 carries a $630,000 insurance limit and an 80% coinsurance requirement. A covered loss is $160,000, and the deductible is $2,000. Assuming the deductible is subtracted after the coinsurance calculation, what amount is payable?
Correct answer: C - $138,000
During an assigned delivery route, an employee negligently runs a red light and injures a pedestrian. The employer neither directed the violation nor knew of any unsafe-driving history. Which doctrine can nevertheless impose liability on the employer for the employee's conduct?
Correct answer: A - Vicarious liability
A supply line ruptures in an insured retail store, and water is actively spreading. The shutoff valve can be reached safely. Which response best satisfies the insured's standard duties after loss?
Correct answer: D - Shut off the water, arrange reasonable emergency protection, document the damage and expenses, and notify the insurer promptly.
An insurer increases an applicant's premium partly because of information in a consumer report. Which communication is required under the Fair Credit Reporting Act?
Correct answer: B - An adverse-action notice identifying the reporting agency and explaining the applicant's rights to a free report and to dispute inaccurate information.
Acting for a commercial landlord, a property manager wrongfully changes the locks and excludes a tenant from leased office space. The tenant seeks damages for loss of the right to occupy the premises. Which CGL coverage is most directly implicated?
Correct answer: C - Coverage B - Personal and Advertising Injury
A consulting firm wants liability coverage only for employees' own cars used on company errands. The firm does not want an "any auto" designation and does not own, lease, hire, or borrow those cars. Which Business Auto Coverage Form symbol most specifically identifies this exposure?
Correct answer: D - Symbol 9
A driver swerves to avoid a deer that never touches the vehicle. The car leaves the road and overturns. Under an unendorsed Personal Auto Policy, which physical-damage coverage applies to the direct damage to the car?
Correct answer: B - Collision, because overturning the car is an upset
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