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 CT-PC exam has 145 questions and runs 2 hours 30 minutes.
These 10 free CT-PC questions are organized by exam domain, so you can see how each part of the Connecticut Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A freestanding aquarium suddenly ruptures in a home insured on an unendorsed HO-3, damaging hardwood flooring and a sofa. The aquarium is not a plumbing system or household appliance, and no exclusion applies. How is the resulting water damage treated?
Correct answer: C - The flooring is covered under Coverage A; the sofa is not covered under Coverage C.
Ransomware encrypts a manufacturer's production files. The company incurs forensic, data-restoration, customer-notification, and temporary operating expenses, but no customer has asserted a claim. The coverage designed most directly for these costs is:
Correct answer: B - Cyber first-party coverage
River flooding damages property in a basement whose floor is below ground level on all sides. The insured has both building and contents coverage under an NFIP dwelling policy. Under the policy's basement limitations, the covered property is:
Correct answer: B - A permanently installed furnace serving the dwelling
At the time of loss, a commercial building has a replacement value of $800,000 and an 80% coinsurance requirement. The insured carries a $480,000 limit. A covered partial loss is $200,000, with a $2,000 deductible and no other applicable limit. How much is payable?
Correct answer: C - $148,000
Firefighters have extinguished a kitchen fire and authorize safe entry. Part of the roof is open, heavy rain is forecast, and the insurer has not yet inspected the premises. What action best fulfills the insured's post-loss duties?
Correct answer: D - Arrange reasonable temporary protection, document the expense, and notify the insurer promptly
A personal auto policy has 25/50/25 liability limits. One accident produces covered bodily-injury awards of $40,000 to one person and $35,000 to another, plus $30,000 of covered property damage. What is the insurer's maximum payment for these damages?
Correct answer: A - $75,000
A claims-made CGL policy runs from January 1 through December 31, 2026, with a January 1, 2024 retroactive date. Bodily injury from completed work occurred in March 2024. The first written demand is made and reported in August 2026, and no exclusion or prior-knowledge condition applies. How should coverage be evaluated?
Correct answer: B - Cover it because the injury followed the retroactive date and the claim was made and reported during the policy term.
A lease requires a tenant to add the landlord as an additional insured. The producer issues a certificate listing the landlord only as certificate holder; no endorsement or policy provision grants insured status. What is the effect?
Correct answer: D - The landlord remains only a certificate holder unless the policy grants insured status.
A liability complaint alleges negligent supervision, which is potentially covered, and an intentional assault, which is excluded. The policy and applicable law require a defense whenever any allegation is potentially covered. What should the insurer do initially?
Correct answer: A - Defend under a reservation of rights as appropriate, then determine indemnity after the facts develop.
A Connecticut resident applying for Property and Casualty Producer authority holds a current CIC designation and has received an approved prelicensing-course waiver. What remains required?
Correct answer: D - The producer examination; CIC waives the course only
The CT-PC exam also covers these domains. Drill them in the full free practice test:
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