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These 10 free MA-CAS questions are organized by exam domain, so you can see how each part of the Massachusetts Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
An electrical contractor completes the rewiring of a restaurant and leaves the job site. Three weeks later, a connection installed during the project overheats and starts a fire. Which CGL exposure applies to the restaurant's claim against the contractor?
Correct answer: C - Completed operations, because the work was already finished
A claims-made CGL policy runs from January 1 through December 31, 2026, with a retroactive date of January 1, 2024. Bodily injury occurred on December 1, 2023, and the claim was first made on March 1, 2026. No prior policy or endorsement applies. Which coverage conclusion is correct?
Correct answer: A - The claim is excluded because the injury preceded the retroactive date
A consulting firm owns no autos. It rents a box truck for a three-day office move, and an employee causes an accident while driving it on company business. The firm's business auto policy covers Symbol 8 but not Symbol 9. How should the truck be classified for covered-auto-symbol purposes?
Correct answer: D - Hired auto
In a jurisdiction that permits third-party-over actions, an employee injured at a customer's site collects workers' compensation and sues the customer. The customer alleges that the employer's negligent loading method contributed to the injury. Assuming no exclusion applies, which policy part addresses the customer's claim against the employer?
Correct answer: B - Employers Liability Insurance, Part Two
A general contractor has completed a construction project, but several subcontractors and material suppliers remain unpaid. Which bond is intended to protect those unpaid parties?
Correct answer: B - Payment bond
An accounts-payable employee receives an email impersonating the CEO and, believing it is genuine, voluntarily instructs the bank to wire $85,000 to a fraudster. There was no intrusion into the company's network or the bank's transfer system. Which coverage label best fits the loss?
Correct answer: C - Social-engineering fraud
After buying comprehensive auto coverage, an insured routinely leaves the vehicle unlocked with the keys inside, saying that any theft will be the insurer's problem. Which hazard does this conduct illustrate?
Correct answer: A - Morale hazard
An equipment policy states that a covered partial loss will be settled at the least of repair cost, actual cash value, or stated amount, less a $900 deductible. After a loss, the repair cost is $18,400, the actual cash value is $16,900, and the stated amount is $20,000. What amount is payable?
Correct answer: D - $16,000
A store negligently leaves a spill unmarked. Before anyone encounters the spill, an unrelated earthquake collapses a shelf and injures a shopper across the aisle. The shopper proves that the store breached its duty regarding the spill but offers no evidence that the spill contributed to the injury. Which negligence element has not been established?
Correct answer: C - Causation
An insurer raises an applicant's auto premium based partly on information in a consumer report. What notice is required under the Fair Credit Reporting Act?
Correct answer: B - Send an adverse-action notice with the agency's contact information, explain that it did not make the decision, and state the dispute right and 60-day free-report right
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