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 IL-CAS exam has 97 questions and runs 2 hours 10 minutes.
These 10 free IL-CAS questions are organized by exam domain, so you can see how each part of the Illinois Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A consultant's claims-made errors and omissions policy has a retroactive date of January 1, 2023, and expires December 31, 2026. A negligent act occurred in December 2022, and the claim is first made during a valid extended reporting period in February 2027. Which conclusion is most accurate?
Correct answer: C - The claim is not covered because the negligent act predates the retroactive date
An auto liability policy carries split limits of 100/300/50. In one accident, one claimant sustains $140,000 in bodily injury, a second sustains $90,000, and damage to the other vehicle is $75,000. What is the insurer's maximum total payment for these three claims?
Correct answer: A - $240,000
After a compensable workplace injury, an employee is expected to recover fully but can work only four-hour shifts for eight weeks and earns less during that period. How should the disability be classified?
Correct answer: D - Temporary partial disability
A plumbing contractor completes an installation and leaves the jobsite. Six months later, an installed fitting fails and water damages the customer's walls. The customer sues for the property damage. Under commercial general liability coverage, how is this exposure classified?
Correct answer: C - Coverage A products-completed operations
A controller receives an email that convincingly impersonates the chief executive officer and wires $180,000 to the fraudster's account. No employee stole the money, and no customer data was exposed. Which coverage most directly addresses this exposure?
Correct answer: C - Social-engineering fraud coverage
After insuring its service vans, a company stops requiring drivers to lock them because management believes stolen tools will simply be replaced by insurance. This attitude is an example of:
Correct answer: B - A morale hazard
Assume a contractor breached a duty by leaving scrap beside a warehouse. Hours later, lightning-unaffected by the scrap-destroyed the roof, causing measurable damage. Which element of negligence is not established by these facts?
Correct answer: A - A causal connection to the loss
An insurer increases a personal auto premium based partly on a consumer report. The Fair Credit Reporting Act adverse-action notice must explain that:
Correct answer: A - The agency did not make the decision; the consumer may dispute its data and request a free report within 60 days
Immediately after a covered delivery-vehicle accident, a pedestrian is bleeding and needs urgent assistance. The liability policy prohibits voluntary payments but permits reasonable first aid at the time of an accident. What should the insured do?
Correct answer: B - Call for emergency help, provide reasonable first aid, and promptly notify the insurer
An insurer and insured agree that hail damage is covered but disagree about the reasonable cost to repair the roof. The insurer separately reserves its position on unrelated wear and tear. What is the proper role of appraisal?
Correct answer: B - It determines the amount of loss; coverage issues remain separate
The IL-CAS exam also covers these domains. Drill them in the full free practice test:
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