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 CO-PC exam has 176 questions and runs 4 hours.
These 10 free CO-PC questions are organized by exam domain, so you can see how each part of the Colorado Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A homeowner insured under an unendorsed HO-3 has a tree limb driven through the roof by a windstorm. Rain entering through the opening damages a living-room sofa. No other exclusion applies. How should the sofa loss be analyzed?
Correct answer: D - Coverage C applies because wind first created the opening
An accounting firm's claims-made errors and omissions policy runs from January 1 through December 31, 2026, with a retroactive date of January 1, 2024. A client first makes a claim on October 1, 2026, and the firm reports it immediately. The alleged negligent tax advice was given in June 2023. The policy has no prior-acts endorsement. What is the coverage result?
Correct answer: B - Not covered, because the alleged act predates the retroactive date
A repair shop's mechanic is road-testing a customer's sedan after replacing the brakes. The mechanic misjudges a turn and strikes a concrete post, damaging the sedan. Which coverage is designed for this exposure?
Correct answer: A - Garagekeepers coverage
A covered fire shuts down a bakery. During restoration, the business loses net income and continues ordinary rent and payroll. It also pays above-normal rent for a temporary commercial kitchen so it can keep filling orders. Which allocation is correct?
Correct answer: C - Business Income covers the income loss and continuing costs; Extra Expense covers the temporary kitchen
A controller receives an email that convincingly impersonates the CEO and voluntarily tells the bank to wire $240,000 to a fraudster. The policy's computer-fraud coverage requires unauthorized system access, while funds transfer fraud requires a fraudulent instruction sent directly to the bank without the insured's knowledge. Which coverage most directly matches the loss?
Correct answer: C - Social engineering fraud: an employee was deceived into authorizing the wire
A commercial building has a replacement value of $800,000, an 80% coinsurance requirement, a $480,000 policy limit, and a $2,000 deductible. A covered partial loss is $200,000. Assuming no other limitation applies, how much will the insurer pay?
Correct answer: C - $148,000
An insurer increases an applicant's personal auto premium after relying in part on a consumer report. Which notice package best satisfies the Fair Credit Reporting Act?
Correct answer: D - Notice of the action, agency contact data, statement that the agency did not decide it, and dispute and 60-day free-report rights
An insurer and homeowner agree that hail damage is covered but dispute only the repair amount. Each appoints an appraiser. The appraisers disagree, and the umpire agrees with the homeowner's appraiser. Under the standard appraisal condition, what follows?
Correct answer: B - Agreement of the umpire and one appraiser sets the amount of loss
Sixty days after an authorized Colorado property insurer received a valid and complete first-party claim, a newly discovered conflict in recorded ownership creates a documented, reasonable dispute over entitlement to payment. What should the insurer do next?
Correct answer: B - Continue investigating; explain the delay now and at least every 30 days
A scaffold collapses at a Colorado jobsite. One employee dies and two others are injured. Emergency response is already underway. What must the employer do regarding workers' compensation reporting?
Correct answer: D - Notify the Division immediately; the fatality alone triggers the duty
The CO-PC exam also covers these domains. Drill them in the full free practice test:
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