** Do not answer this if you're not going to answer all 15 questions. I will downvote and report you.

1. The three coverages provided by the commercial building and business personal property form include the buildings, the insured's business personal property, and the personal property of others located

a. at the business premises.

b. at the business owner's home.

c. anywhere in the United States.

d anywhere in the Insured's care.

2. For a commercial risk, extra expense is a coverage that reimburses the insured for expenses incurred

a. for unforeseen overhead costs.

b. In addressing faulty workmanship.

c. to keep a business going after a covered loss.

d. In the payment of subcontractor liens to third parties.

3. A commercial Inland marine conditions form, when attached to the commercial Inland marine coverage section, provides which of the following?

a. The Insured party's duties in the event of a loss.

b. Transportation and/or communication coverage.

c. Natural disaster coverage.

d. Warranty of property packed cargo.

4. An Insured that Is covered on a business automobile policy would like to get physical damage coverage for a forklift used at their facility. Which endorsement can be used to insure this covered automobile ?

a. Miscellaneous vehicle endorsement.

b. Mobile equipment endorsement.

c. Truckers coverage form.

d. Drive other car endorsement.

5. To exchange a contract of Insurance by any means, for money or Its equivalent, on behalf of a licensed Insurer, is to

a. sell Insurance.

b. solicit Insurance.

c. negotiate Insurance.

d. market insurance.

6. An Insurance producer's license is valid for no longer than

a. 12 months,

b. 18 months.

c. 24 months.

d. 36 months.

7. In a businessowners policy (BOP), section II - liability coverage covers legal liability that arises out of

a. workers' compensation.

b. Disability Income.

c. advertising injury.

d. errors and omissions.

8. The type of construction that uses materials that can withstand fire for AT LEAST 2 hours Is

a. Masonry.

b. Frame

c. Fire-resistive.

d. non combustible

9. All forms of insurance determine exposure through

a. the Affordable Care Act.

b. data from population tables.

c. risk pooling and the law of large numbers.

d. knowledge of the average age and gender of a specific area.

10. Who may terminate an agent appointment?

a. The insurer.

b. The agent.

c. The policyowner.

d. The Insured.

11. On a Homeowners Policy, who of the following is considered a named insured?

a. The person identified on the declarations page.

b. The mortgages identified on the declarations page.

c. A visiting relative.

d. A resident relative.

12. Which of the following is an exclusion on the businessowners policy (BOP) under the liability section?

a. Liquor liability.

b. Product liability.

c. Personal Injury Liability.

d. Advertising injury Liability.

13. On a Homeowners Policy, who of the following is considered a named insured?

a. The person identified on the declarations page.

b. The mortgages Identified on the declarations page.

c. A visiting relative.

d. A resident relative.

14. What is the MAXIMUM period of disability covered under the New York Disability Benefits Law?

a. 2 months

b. 13 weeks

c. 4 months

d. 28 weeks

15. Which term describes a property that does not contain furnishing, contents, or occupants?

a. Abandoned

b. Open

c. Unoccupied

d. Vacant

All of the following are examples of negligence EXCEPT

Damages.

proximate cause.

legal duty owed.

nonpayment of premium.