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2025 PROGRESSIVE ASSESSMENT EXAM
LATEST REAL QUESTIONS AND CORRECT
ANSWERS GRADE A
The efforts of Florence Kelley and other progressives convinced many states to abolish - CORRECT ANSWER Child labor President Taft continued Roosevelt's progressive program by - CORRECT ANSWER Breaking up large trust and other bug businesses What action did president Roosevelt take in the United mine workers strike in 1902? - CORRECT ANSWER He sent in arbitrators to resolve the dispute What is the reason the republican progressives were angry at president taft - CORRECT ANSWER His handling of the Ballinger Pinchot affair How did Woodrow Wilson's new freedom platform during the 1912 campaign differ from that of that Theodore Roosevelt's new nationalism platform - CORRECT ANSWER Wilson promised to preserve free economic competition What cause the women suffrage campaign to split into two Groups - CORRECT ANSWER Alice Paul's aggressive strategy clashed with NAWSA's strategy
How did world war 1 affect the cause of women's suffrage - CORRECT ANSWER It gave women the opportunity to work in traditionally male dominated positions Scientific progressives believed that reform of society should - CORRECT ANSWER Be led by experts President Roosevelt's progressive record includes all the following except - CORRECT ANSWER Establishment of the federal reserve system Progressivism was halted by - CORRECT ANSWER WW Which was the major contributor to Woodrow Wilson winning the presidency in 1912 - CORRECT ANSWER Splitting the republican vote Coverage D - CORRECT ANSWER This pays for the additional costs of living away from home if a house considered unsuitable due to damage from a fire, storm, or other insured disaster. It covers hotel bills, restaurant meals, and other living expenses incurred while the home is being rebuilt. Coverage A - CORRECT ANSWER This coverage pays to repair or rebuild a home if it is damaged or destroyed by fire, hurricane, hail, lightning, or other disasters listed in the policy.
within many home insurance policies and is pivotal to cover those personal items that mean the most to you. Controlled Business - CORRECT ANSWER A situation in which an insurance provider's personal income is greater than 25 percent of his or her gross commission from insurance. False Advertisement - CORRECT ANSWER An unfair trade practice with respect to all forms of communication. Misrepresentation - CORRECT ANSWER An intentionally inaccurate or incomplete communication to a policyholder or potential policyholder. Rebating - CORRECT ANSWER The unfair trade practice of offering inducements for the purchase of insurance. This practice is usually illegal, although insurance companies are allowed to pay dividends to policyholders Tax refund fraud - CORRECT ANSWER Involves identity theft, fraudulent W-2 forms and the online filing of an illicit tax return for the purpose of receiving a tax refund for deposit into the account of the fraudster or a money mule acting on behalf of the fraudster. Yearly renewable term insurance - CORRECT ANSWER Insurance that overs one year, and is renewable every year up to a certain age limit, without the need to provide evidence of insurability; premiums increase each year. Group variable universal life insurance - CORRECT ANSWER The holder may allocate the net premiums to one or more of several
investment accounts. In this arrangement, the investment risk is borne by the holders of the certificates. Comprehensive long-term care insurance - CORRECT ANSWER An insurance policy that includes benefits for home health care and facility care in a single contract. What is the only major distinction between the conditions of the standard business owners' policy and the standard commercial package policy? - CORRECT ANSWER Its that many of the coverages that are automatic for the standard business owners' policy are optional for the standard commercial package policy. Group universal life insurance - CORRECT ANSWER An insurance policy that has flexible premiums and separates the pure protection and cash value accumulations. Aggregate limits - CORRECT ANSWER The maximum amount of money that an insurer is contracted to provide the policy holder in a specific policy period. How much of a property must be unoccupied for it to be defined as vacant by the standard commercial property policy? - CORRECT ANSWER 30 percent With regard to homeowners insurance, business is defined as any activity that has: - CORRECT ANSWER Both revenue and continuity. An expense plan that indicates an employer will reduce benefits for persons over the age of 65 to the extent that they are payable under
The smoke damage from furnaces and boilers will also be covered. Which of the following injuries would be covered by the standard farm liability policy? - CORRECT ANSWER Injuries suffered by residence employees while performing duties associated with their employment would be covered. Are injuries that occur on locations owned, rented, or controlled by the insured are covered by the standard farm liability policy? - CORRECT ANSWER No Are injuries suffered by people who are on the insured location for the purpose of providing professional services or engaging in business covered by the standard farm liability policy? - CORRECT ANSWER No Which of the following is NOT an advantage of an umbrella policy? - CORRECT ANSWER Coverage for injuries that occur at work. Which type of claims adjuster handles property and liability claims? - CORRECT ANSWER Both multiline and all-lines claims adjusters handle property and liability claims. A multiline claims adjuster handles what? - CORRECT ANSWER Both property and liability claims. All-lines claims adjuster: - CORRECT ANSWER Handles property and liability claims, as well as professional liability, excess liability, bond loss, boiler and machinery damage, and other claims.
Which of the following people would NOT be covered by the standard business auto policy? - CORRECT ANSWER A person from whom the named insured borrows a covered auto would not be covered by the standard business auto policy. Similarly, the employees of the insured party are not covered if the covered automobile is owned by that employee or a member of his or her household. What do liability limits usually start at? - CORRECT ANSWER They generally start at about $100,000. An umbrella of excess liability policy, which provides broader coverage, including claims for libel and slander, as well as higher limits, can be added to the policy. Which of the following structures would be covered by Coverage B of the standard farm property policy? - CORRECT ANSWER A private garage would be covered by Coverage B of the standard farm property policy. Which of the following structures would NOT be covered by Coverage B of the standard farm property policy? - CORRECT ANSWER Barn Cabins rented by non-employees Grain silo Which of the following must be true in order for towing charges to be covered under the physical damage section of the standard business auto policy? - CORRECT ANSWER In order for towing charges to be covered under the physical damage section of the standard business auto policy, all labor must be performed at the site of the breakdown.
property damaged by an insured peril. Coverage pays for lost income and other expenses related to recovery. There are three coverage options: - CORRECT ANSWER Actual cash value. Replacement Costs. Guaranteed/Extended Replacement Cost. Actual Cash Value (ACV) - CORRECT ANSWER The required amount to pay damages or for property loss, which is calculated based on the property's current replacement value minus depreciation. Guaranteed/Extended Replacement Cost: - CORRECT ANSWER This policy offers the highest level of protection. A guaranteed replacement cost policy pays whatever it costs to rebuild the home as it was before. This gives protection against sudden increases in construction costs due to a shortage of building materials after a widespread disaster or other unexpected situation. Business Owners Policy (BOP) - CORRECT ANSWER A policy that combines property, liability and business interruption coverage for small- to medium-sized businesses. Fidelity Bonds (Honesty Bonds) - CORRECT ANSWER Cover employers from direct loss due to fraudulent or dishonest acts (theft) by their employees.
Deductible - CORRECT ANSWER Specified amount of money that the insured must pay for covered expenses before the insurance policy begins to pay. Commercial Property Insurance - CORRECT ANSWER Insurance that covers commercial buildings and their contents against various types of property loss. Accident - CORRECT ANSWER A sudden, unexpected event or occurrence that causes bodily injury or property damage. The event may be at-fault, not-at-fault, reported or unreported. Additional Insured - CORRECT ANSWER A company or person who may be liable for an accident that involves an insured person or vehicle can be added to the policy as an additional insured. Anti-Theft Device - CORRECT ANSWER A device, either active or passive, that attempts to prevent vehicle theft. Active anti-theft devices: - CORRECT ANSWER Devices that can track and recover a vehicle and automatically contact a response center to begin the vehicle recovery process. Passive anti-theft devices: - CORRECT ANSWER Devices that attempt to prevent theft by using sophisticated electronic car alarms, simple steering wheel locks, etc Commercial Driver's License (CDL) - CORRECT ANSWER A commercial drivers license that allows an individual to operate a commercial motor vehicle.
Deadhead - CORRECT ANSWER Transportation of a crew member from one point to another to cover a trip or return to home base. Declarations Page - CORRECT ANSWER An insurance policy information page or pages providing specific details about the insured and the subject of the insurance. Combined Single Limit (CSL) - CORRECT ANSWER A provision of an insurance policy that limits the coverage for all components of a claim to a single dollar amount. It has a maximum dollar amount that covers any combination of injuries or property damage in an incident. It can also be used to cover claims for more than one person in an incident. Any Auto Coverage - CORRECT ANSWER Extends Liability insurance to recently purchased vehicles until the end of your current policy term. When you receive your renewal quote, you or your agent will need to contact Progressive to update your listed vehicles on your policy to ensure they have Liability coverage. Bobtail Coverage - CORRECT ANSWER It is liability insurance that provides protection when you are driving a truck without a trailer. It also applies when you drive home in your tractor after dropping off a load and the trailer. However, it will not provide coverage if you're hauling any trailer, reefer or other load. Umbrella Insurance - CORRECT ANSWER Extra liability insurance that provides protection beyond existing limits and
coverages of other policies. It can provide coverage for injuries, property damage, certain lawsuits, and personal liability situations. Bodily Injury Liability Coverage (BI) - CORRECT ANSWER It is liability coverage helps pay for medical expenses and lost income as a result of an injury. This coverage may also help pay for your legal fees if you're taken to court over an accident. An umbrella insurance policy helps protect your assets and your future in two important ways: - CORRECT ANSWER May provide coverage when your homeowner, auto, and boat insurance policy limits are exhausted. Provides coverage for claims that may be excluded by other liability policies, including claims like false arrests, libel, slander, and liability coverage. Property Damage Liability - CORRECT ANSWER Automobile insurance coverage that protects a person against financial loss when that person damages the property of others. Personal Injury Protection (PIP) - CORRECT ANSWER This coverage pays for the medical treatment of injuries to the driver and passengers of the policyholder's car. It is more comprehensive that MedPay. Uninsured Motorist Coverage - CORRECT ANSWER Protection against hit-and-run drivers or drivers without insurance money to pay claims.
Availability - CORRECT ANSWER maximum energy that is able to be converted into useful work obtainable as a system moves to equilibrium Open System - CORRECT ANSWER has both matter and energy entering and/or leaving the system Closed System - CORRECT ANSWER no matter entering/leaving system, but energy transfer can still occur
- ex: non insulated coffee cup adiabatic - CORRECT ANSWER no heat entering or leaving system isothermal - CORRECT ANSWER constant temperature throughout the system steady state - CORRECT ANSWER when all properties of the system are constant with respect to time equilibrium - CORRECT ANSWER no driving force for any change to its state properties
- can be at steady state but not equilibrium. temperature at 3 diff locations are different but the 3 temperatures separately are constant first law of thermodynamics - CORRECT ANSWER energy is a conserved quantity. can be converted from one from to another, transferred from one location to another, but not created nor destroyed.
- three forms of store energy: kinetic, potential, internal
- two forms of transfer energy: heat and work
Force - CORRECT ANSWER F = ma Shaft Work - CORRECT ANSWER work done by or on a rotating shaft such as turbines, compressors, pumps, rather than linear motion. transmits rotational energy. - W = fl, but l this time is revolutions reversible process - CORRECT ANSWER idealized process system remains in thermodynamic equilibrium at every point in process. no heat losses or frictiion - ex: isothermal expansion
- no entropy increase, stays same irreversible process - CORRECT ANSWER natural process cannot be undone or reversed without leaving a net change in the system or surroundings involves friction, heat loss, turbulence etc generation of entropy
- free expansion of gas into a vacuum State function - CORRECT ANSWER properties that depend only on the current state of the system: internal energy, enthalpy, entropy, pressure, temp path function - CORRECT ANSWER depends on the specific path taken during a process: work and heat flow work - CORRECT ANSWER work required to push a fluid into or out of a control volume, needed to move fluid through a system
- W flow = P*V
Statistical forecasting concentrates on using the past to predict the future by identifying trends, patterns and business drives within the data to develop a forecast. This forecast is referred to as a statistical forecast because it uses mathematical formulas to identify the patterns and trends while testing the results for mathematical reasonableness and confidence. Statistical forecasting is used for forecasting sales and budget. Question # Statistical forecasting deals with estimating the likelihood of an event
- CORRECT ANSWER The correct answer is: True How to solve this question? The passage says that statistical forecasting concentrates on using the past to identify patterns and trends. This information is used to predict the future, such as forecasting sales and budget. Therefore, the answer is "True". Business statistics is a scientific approach to decision-making in the face of risk and is used in many disciplines, such as financial analysis, econometrics, auditing, production and operations, and marketing research. The main objective of business statistics is to make inferences about certain characteristics of a population based on information contained in a random sample from the entire population. Statistical forecasting concentrates on using the past to predict the future by identifying trends, patterns and business drives within the data to develop a forecast. This forecast is referred to as a statistical forecast because it uses mathematical formulas to identify the patterns and trends while testing the results for mathematical
reasonableness and confidence. Statistical forecasting is used for forecasting sales and budget. Question # Using statistics in decision-making eliminates business risks Answer op - CORRECT ANSWER The correct answer is: Can't say How to solve this question? The information given is that business statistics are used for decisionmaking in the face of risk. There is no suggestion in the passage that such use eliminates business risks, and the answer therefore is "Can't say". Question # There is no kid that doesn't like chocolate. What inference can be drawn from this sentence? Answer options A. Everyone who likes chocolate is a kid. B. All kids like chocolate. C. There are kids that don't like chocolate. D. Only kids like chocolate. - CORRECT ANSWER The correct answer is: All kids like chocolate. How to solve this question?
