Ohio Property & Casualty Insurance Practice Exam Free - 2026

• A. The employer remains liable at common law for any condition not compensable under Chapter 4123
• B. The employer is liable only for damages exceeding the benefits the employee receives
• C. The employer is not liable to respond in damages at common law or by statute for the injury
• D. The employer's liability is capped at the amount of premium it paid during the year of injury

Correct answer: C. The employer is not liable to respond in damages at common law or by statute for the injury

Explanation: An Ohio employer that complies with the premium or self-insurance requirements is not liable to respond in damages at common law or by statute for an employee's injury, occupational disease, or death occurring during the period of compliance, and the protection applies whether or not the condition is compensable under Chapter 4123. Excess-damage and premium-based caps have no basis in the statute. See ORC 4123.74.

• A. The insurer must offer it and obtain a written rejection to omit it
• B. It must be included in every policy at limits equal to the liability limits
• C. It must be included unless the named insured carries qualified health coverage
• D. It may be included, but the insurer is not required to include or offer it

Correct answer: D. It may be included, but the insurer is not required to include or offer it

Explanation: Ohio auto liability policies may, but are not required to, include uninsured motorist coverage, underinsured motorist coverage, or both; Ohio eliminated the mandatory offer and written rejection regime that many other states use. This is a common trap because the mandatory-offer answer is correct in most states but not in Ohio. See ORC 3937.18.

• A. $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage
• B. $15,000 per person, $30,000 per accident for bodily injury, and $10,000 for property damage
• C. $50,000 per person, $100,000 per accident for bodily injury, and $25,000 for property damage
• D. $30,000 per person, $60,000 per accident for bodily injury, and $20,000 for property damage

Correct answer: A. $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage

Explanation: Ohio's financial responsibility minimums are $25,000 for bodily injury to or death of one person in any one accident, $50,000 for bodily injury to or death of two or more persons in any one accident, and $25,000 for injury to the property of others in any one accident. The other combinations belong to other states' schedules. See ORC 4509.51.

• A. The insured has filed two comprehensive claims in the past year
• B. The insurer has decided to withdraw from writing personal auto in that territory
• C. The named insured's driver's license has been suspended, revoked, or has expired
• D. The insured's annual mileage has increased substantially since the policy was issued

Correct answer: C. The named insured's driver's license has been suspended, revoked, or has expired

Explanation: Ohio limits midterm cancellation of an auto policy to four grounds: fraud, concealment, or material misrepresentation by the insured; loss of the named insured's driving privileges through suspension, revocation, or expiration; nonpayment of premium; and a move of residence or vehicle registration to a state where the insurer is not authorized. Claims frequency, mileage changes, and the insurer's book-of-business decisions are not permitted midterm grounds, though they may bear on nonrenewal at expiration. See ORC 3937.31.

• A. Liability for injuries to adult trespassers who ignore posted warning signs
• B. Liability for injuries to children attracted to dangerous conditions on property
• C. Liability imposed on a business for the negligent acts of its employees
• D. Liability for injuries to invited guests caused by hazards the owner failed to repair

Correct answer: B. Liability for injuries to children attracted to dangerous conditions on property

Explanation: The attractive nuisance doctrine holds property owners liable for injuries to children who are attracted onto the property by dangerous conditions (like swimming pools or trampolines) that the owner should protect against.

• A. Liability imposed without any proof of negligence or fault
• B. Liability that allows each defendant to be held for the full judgment
• C. Liability imposed on one party for the actions of another
• D. Liability of a property owner for injuries to children lured by hazards

Correct answer: C. Liability imposed on one party for the actions of another

Explanation: Vicarious liability holds one party legally responsible for the actions of another party, such as an employer being liable for the negligent acts of employees performed within the scope of employment.

• A. Liability imposed on an employer for an employee's negligent acts
• B. Liability that is reduced by the injured party's own share of fault
• C. Liability that requires the plaintiff to prove a breach of duty
• D. Liability imposed without proof of negligence or fault

Correct answer: D. Liability imposed without proof of negligence or fault

Explanation: Strict liability (absolute liability) holds a party responsible for damages regardless of negligence or fault. It typically applies to inherently dangerous activities or defective products.

• A. Each defendant can be held responsible for the full amount of damages
• B. Each defendant is responsible for damages strictly in proportion to its share of fault
• C. Each defendant is responsible for an equal share of the damages regardless of fault
• D. The plaintiff must sue every defendant together before collecting any damages

Correct answer: A. Each defendant can be held responsible for the full amount of damages

Explanation: Joint and several liability means each defendant can be held responsible for the full amount of damages, allowing the plaintiff to collect the entire judgment from any defendant, regardless of their individual share of fault.

• A. A system where any fault by the plaintiff completely bars recovery of damages
• B. A system where damages are reduced by the plaintiff's percentage of fault
• C. A system where damages are divided equally among all negligent defendants
• D. A system where the defendant is liable regardless of whether negligence is proven

Correct answer: B. A system where damages are reduced by the plaintiff's percentage of fault

Explanation: Comparative negligence is a legal principle that reduces a plaintiff's recovery by their percentage of fault in causing the injury. In pure comparative negligence, even a 99% at-fault plaintiff can recover 1%.

• A. A rule that reduces the plaintiff's award in proportion to their percentage of fault
• B. A defense that bars recovery when the plaintiff was more than 50 percent at fault
• C. A defense that bars recovery if the plaintiff contributed to their own injury at all
• D. A defense that shifts the entire loss to the defendant who contributed most to the injury

Correct answer: C. A defense that bars recovery if the plaintiff contributed to their own injury at all

Explanation: Contributory negligence is a strict legal defense that completely bars a plaintiff from recovering damages if they were even partially at fault for their own injury. Only a few states still use this doctrine.

• A. The maximum amount the insurer will pay for all claims arising from a single event
• B. The maximum amount the insured must pay out of pocket before coverage responds
• C. The total of the limits carried under all of the insured's liability policies combined
• D. The maximum amount the insurer will pay for all claims during a policy period

Correct answer: D. The maximum amount the insurer will pay for all claims during a policy period

Explanation: The aggregate limit is the maximum total amount an insurer will pay for all claims during a policy period. Once exhausted, no further claims are covered until the policy renews.

• A. The maximum amount payable for any single covered event
• B. The maximum amount payable to any one injured person per event
• C. The maximum amount payable for all claims during the policy term
• D. The amount the insured must pay before the insurer pays on each claim

Correct answer: A. The maximum amount payable for any single covered event

Explanation: The per occurrence limit is the maximum amount an insurer will pay for all claims arising from a single covered event or occurrence, regardless of the number of claimants.