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 SC-PC exam has 140 questions and runs 2 hours 45 minutes.
These 10 free SC-PC questions are organized by exam domain, so you can see how each part of the South Carolina Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A couple buys an ornate 1910 owner-occupied home whose reconstruction cost is far above its market value. They also want protection against rising-river inundation. Which arrangement best addresses both exposures?
Correct answer: C - An HO-8 policy plus separate flood insurance
After a covered fire damages a bakery, the owner rents a temporary kitchen so customer orders can continue while repairs are made. The added rental cost is best classified as:
Correct answer: A - Extra expense
A mechanical contractor is responsible for custom chillers from the moment they are picked up, through transit and temporary storage, until installation is completed and the customer accepts them. Which coverage is designed for this exposure?
Correct answer: D - Installation floater
A commercial building has a $1,000,000 replacement cost, an 80% coinsurance requirement, and a $600,000 limit. A covered repair loss is $200,000. The policy applies a $5,000 deductible after coinsurance, and no other provision changes the result. How much is payable?
Correct answer: B - $145,000
A furnished vacation home has beds, appliances, and personal property in place, and its utilities remain connected, but no one has lived there for three months. For property insurance purposes, the home is best described as:
Correct answer: A - Unoccupied, because contents remain but no one resides there
A building owner intentionally sets fire to a mortgaged property. The lender is named under a standard mortgage clause, had no knowledge of the act, paid any premium demanded, and submitted the required proof of loss. What is the most likely coverage result?
Correct answer: D - The lender may recover its interest despite denial of the owner's claim
An insurer increases a homeowner's premium partly because of information in a consumer report. To comply with the Fair Credit Reporting Act, the adverse-action notice must:
Correct answer: B - Name the reporting agency, state that it did not decide, and give the 60-day free-copy and dispute rights
A claims-made CGL policy runs from January 1 through December 31 and has a July 1 retroactive date from the prior year. Bodily injury began on June 15 of the prior year, and the claim is first made during the current policy period. Which conclusion is correct?
Correct answer: C - The claim is not covered because the injury began before the retroactive date
A company wants business auto liability coverage for employee-owned cars used on company errands, but it does not want the symbol to include rented vehicles. Which covered-auto symbol fits that request?
Correct answer: B - Symbol 9 - Nonowned autos only
A manufacturer has $800,000 of payroll in a classification rated at $2.50 per $100 of payroll. Its experience modification factor is 0.80. Ignoring all other charges and credits, what is the modified workers' compensation premium?
Correct answer: D - $16,000
The SC-PC exam also covers these domains. Drill them in the full free practice test:
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