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 SD-PC exam has 145 questions and runs 2 hours 30 minutes.
These 10 free SD-PC questions are organized by exam domain, so you can see how each part of the South Dakota Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
Maria is buying a condominium unit. The association's master policy covers the exterior structure, while Maria needs coverage for personal property, loss of use, personal liability, and the unit's interior building items for which she is responsible. Which homeowners form is most appropriate?
Correct answer: B - HO-6
Following unusually rapid surface-water runoff, three acres of normally dry land are temporarily inundated and water enters one insured home. No second building is damaged. How should the event be evaluated under the National Flood Insurance Program definition of flood?
Correct answer: A - It can qualify because the two-acre threshold is exceeded
At the time of a covered loss, a commercial building is valued at $625,000 and is subject to an 80% coinsurance clause. The insured carries a $400,000 limit. The loss is $120,000, and the deductible is $5,000. Ignoring any other limit, what payment results?
Correct answer: C - $91,000
During a nighttime windstorm, part of a home's roof is torn away. After the occupants are safe and conditions permit, rain continues entering the house. What is the insured's best next step?
Correct answer: A - Arrange reasonable temporary protection, photograph the damage, and keep receipts
The lease for a retail tenant requires the tenant to assume the landlord's tort liability for bodily injury arising from the tenant's use of the premises. The lease qualifies as an insured contract under the tenant's Commercial General Liability policy. An accident creates the assumed liability. How does the contractual liability exclusion apply?
Correct answer: D - The insured-contract exception can preserve Coverage A
For a two-week surge in work, a plumbing company rents a van from a commercial rental agency. Its Business Auto declarations do not show Symbol 1. Which symbol denotes hired autos only and would address this exposure?
Correct answer: D - Symbol 8
Consider a claims-made liability policy with a January 1, 2022 retroactive date and a January 1, 2025 expiration date. An alleged wrongful act occurs in 2024. The claimant first makes the claim in March 2025 during a valid extended reporting period. No exclusion applies. What is the best coverage conclusion?
Correct answer: C - The claim can qualify because both timing conditions are met
The complaint against a Commercial General Liability insured alleges both negligent property damage that could fall within Coverage A and intentional damage that would be excluded. At the outset, what should the insurer do under the standard potential-coverage rule?
Correct answer: B - Defend while at least one allegation remains potentially covered
Eight approved P&C continuing-education hours appear on a South Dakota resident producer's record. The producer holds only Property/Casualty authority, and the final day of the birth month is approaching. What action avoids a lapse at renewal?
Correct answer: A - Earn 2 more P&C hours, then renew on time
On a South Dakota construction project, a contractor receives a certificate of insurance stating that 30 days' notice will be given before cancellation, but the underlying policy contains no such notice obligation. What should the contractor understand?
Correct answer: B - The certificate cannot promise notice beyond the policy's terms
The full bank has 1,020 more SD-PC questions with explanations.
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