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 WI-CAS exam has 100 questions and runs 2 hours.
These 10 free WI-CAS questions are organized by exam domain, so you can see how each part of the Wisconsin Casualty Insurance Producer Exam (Series 22-07) blueprint is tested. Reveal the answer and explanation under each question.
A Wisconsin motorist has health insurance and wants to keep auto liability limits of 25/50/10 while removing uninsured motorist, underinsured motorist, and medical payments coverage. Which response correctly states the state's requirements for an ordinary personal auto policy?
Correct answer: A - Keep UM bodily injury coverage of at least $25,000/$50,000; UIM and medical payments may be declined.
Forty days before a commercial CGL policy renews, the insurer mails notice of an 18% classwide rate increase and a new exclusion. Under Wisconsin's altered-renewal rules, when may the new exclusion first take effect?
Correct answer: B - Sixty days after notice, because this is not a premium-only change.
A contractor's CGL policy does not insure its new project owner, either by name or through a blanket additional-insured provision. The owner asks the producer to check the additional-insured box on a certificate so work can begin that afternoon. The producer cannot amend the policy. What response is appropriate?
Correct answer: A - Ask the insurer to add the owner; show additional-insured status only when that coverage takes effect.
An insurer permits a producer to use its signs and forms and has repeatedly honored the producer's binders. The producer now issues a binder that exceeds a limit in the private agency agreement. The applicant has no notice of that limit and reasonably relies on the insurer's conduct. The applicant's argument that the insurer is bound rests on:
Correct answer: C - Apparent authority created by the insurer's conduct.
At an account review, an underwriter sees $250,000 in written premium, $200,000 in earned premium, $80,000 in paid losses, and $120,000 in incurred losses for the same period. The report's loss ratio excludes loss-adjustment expenses. Which entry correctly states that ratio and its meaning?
Correct answer: D - 60%: incurred losses represent 60 cents of each earned premium dollar.
On a rural road, Elena swerves to avoid a deer, misses it, and strikes a guardrail. Her car needs $6,400 in covered repairs. Her personal auto policy has a $1,000 collision deductible and a $250 other-than-collision deductible. Neither deductible is waived. How much does her insurer pay for the damage to her car, and under which coverage?
Correct answer: B - Collision coverage pays $5,400.
While moving a customer's car from a repair bay to the pickup area, a mechanic backs it into a concrete post. The shop is legally liable for the accidental damage. Which coverage is specifically designed for the shop's liability for damage to this entrusted vehicle?
Correct answer: D - Garagekeepers collision coverage.
A manufacturer's claims-made-and-reported CGL policy covers calendar year 2025 and has a January 1, 2023 retroactive date. At expiration, the manufacturer buys an extended reporting period through December 31, 2026 for claims first made and reported during that extension. There are no other reporting extensions. Assuming all non-timing coverage requirements are met, which claim falls within this protection?
Correct answer: D - Injury on June 10, 2025; claim first made and reported on March 5, 2026.
A shop customer suffers a deep cut when a display collapses. An employee calls for emergency help. The owner worries that the businessowners policy's voluntary-payment condition prevents the shop from spending money before the insurer responds. Under ISO BP 00 03 01 10, which expense is excepted from that consent requirement?
Correct answer: C - First aid administered at the scene of the accident.
On June 20, a Wisconsin shop's sole proprietor asks whether she must stop using her only employee until workers' compensation insurance is purchased. She first hired the employee in May and has already paid $1,200 in gross wages during the April-June quarter. This nonfarm business had no earlier coverage obligation. Which advice states the legal deadline?
Correct answer: C - Obtain coverage by July 10; the wage threshold does not require an immediate shutdown.
The WI-CAS exam also covers these domains. Drill them in the full free practice test:
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