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 CISR exam has 50 questions and runs 1 hours 5 minutes.
These 10 free CISR questions are organized by exam domain, so you can see how each part of the Certified Insurance Service Representative blueprint is tested. Reveal the answer and explanation under each question.
At 10 a.m., a licensed representative receives a client's signed acceptance of a $500,000 property quotation effective at noon. The insurer has expressly authorized her to bind this class up to $1 million, and every binding condition has been met. The client needs coverage in force at noon. What should the representative do?
Correct answer: C - Bind coverage effective at noon, then document and confirm the transaction.
A homeowner calls the agency while smoke is spreading from the laundry room. Everyone is outside, but she wants to go back in to photograph damaged appliances before calling the fire department. What should the representative tell her first?
Correct answer: A - Stay outside and call 911; the photographs can wait.
An electrical subcontractor finishes an office renovation and the owner puts the completed work to use. Three months later, a negligently installed light fixture injures a visitor, who sues the general contractor. The general contractor's additional-insured endorsement on the subcontractor's CGL covers only ongoing operations, although the construction contract requires completed-operations protection too. Which pre-loss change would have addressed this additional-insured gap?
Correct answer: B - A completed-operations additional-insured endorsement naming the general contractor.
A workers' compensation renewal shows an experience modification factor of 1.18. Payroll, classifications and manual rates have been checked; the factor applies to the experience-rated portion of premium. The employer calls it an '18% safety discount.' Which explanation corrects that interpretation?
Correct answer: B - It adds 18% to that portion of premium before other rating adjustments.
A wholesaler can absorb at most $75,000 from a single uninsured event. Its annual expected fire loss is $9,000, but one warehouse fire could cause an $800,000 loss. A quote covering the full exposure with a $25,000 deductible is within budget. Which financing plan fits the firm's stated capacity?
Correct answer: D - Buy the quoted coverage and fund the $25,000 deductible.
For a covered partial fire loss, the adjuster establishes a commercial building's replacement-cost value at $1,250,000. The policy carries a $750,000 building limit, an 80% coinsurance condition, and a $10,000 deductible applied after any coinsurance reduction. The covered replacement-cost loss is $240,000, repairs are complete, and no other limitation applies. How much is payable?
Correct answer: A - $170,000
A fire closes a furniture manufacturer's only fabric supplier. The manufacturer's own plant is undamaged and accessible, but production stops because substitute fabric cannot be obtained. Its current business income coverage requires covered physical damage at its own premises. To insure this supplier-related income exposure, the account review should focus on:
Correct answer: C - Dependent property business income.
Which reported loss is classified as other than collision under a personal auto policy?
Correct answer: D - A falling tree limb damages the hood of a car parked beneath it.
While moving a heavy chair, a homeowner accidentally damages a built-in stone hearth and a freestanding television. Her HO-3 insures the dwelling on an open-perils basis and personal property for named perils. This accidental impact is not a named contents peril, and no dwelling exclusion applies. Disregarding deductibles, which property is covered?
Correct answer: A - Only the built-in hearth qualifies, under the dwelling's Coverage A.
At retirement, a whole life policyowner with accumulated cash value wants to eliminate future premium payments. She does not need cash now and will accept a smaller death benefit, but she wants permanent protection rather than coverage that ends after a limited period. Which choice meets those requirements?
Correct answer: C - Reduced paid-up insurance.
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