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Exam Review

Key Facts: CISR Exam

~85%

Pass Rate

With coursework

70%

Passing Score

35/50

5 of 9

Courses Required

National Alliance

1 hr

Per Exam

National Alliance

$189

Per Course

National Alliance

Annual

CE Required

National Alliance

CISR requires passing 5 of 9 course exams, each 50 questions in 1 hour requiring 70%. Pass rate ~85% with coursework. Spans personal and commercial insurance lines.

Sample CISR Practice Questions

Try these sample questions to review concepts for the CISR exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1What is the primary purpose of Errors & Omissions (E&O) insurance for an insurance agency?
A.To cover physical damage to agency property
B.To protect against claims of negligence or failure to perform professional duties
C.To cover employee injuries on the job
D.To provide health insurance for agency employees
Explanation: Errors & Omissions (E&O) insurance, also known as professional liability insurance, protects insurance agencies and their producers against claims alleging negligence, errors, or omissions in the performance of professional duties. This coverage is essential because even simple mistakes like failing to add a requested coverage can result in significant financial damages to clients.
2Under state insurance regulations, when must an insurance agent provide a policyholder with written notice of a policy cancellation?
A.Only when requested by the policyholder
B.Within the timeframe specified by state law, typically 10-30 days before cancellation
C.After the cancellation has taken effect
D.Only for non-payment of premium cancellations
Explanation: State insurance regulations typically require insurers and agents to provide written notice of policy cancellation within a specified timeframe, commonly 10 to 30 days before the cancellation takes effect. This gives the policyholder time to secure alternative coverage. The specific timeframe varies by state and may differ based on the reason for cancellation.
3Which of the following best describes the fiduciary responsibility of an insurance agent?
A.To maximize profits for the insurance company
B.To act in the best interest of the client when handling premium funds and policy information
C.To provide the lowest possible premium for every client
D.To recommend only policies from the largest insurance companies
Explanation: Insurance agents have a fiduciary responsibility to act in the best interest of their clients. This includes properly handling premium funds (keeping them separate from agency operating funds), accurately representing coverage options, providing timely notice of policy changes, and maintaining client confidentiality.
4An agency uses a management system to track policy renewals, endorsements, and client communications. This best describes which agency workflow function?
A.Marketing and sales
B.Accounting and bookkeeping
C.Account management and customer service
D.Claims processing
Explanation: Account management and customer service involves maintaining ongoing relationships with clients, tracking policy renewals, processing endorsements, documenting client communications, and ensuring clients receive appropriate coverage. A robust agency management system is essential for these functions.
5What is the main purpose of the National Association of Insurance Commissioners (NAIC)?
A.To sell insurance policies to consumers
B.To regulate insurance companies at the federal level
C.To coordinate state insurance regulation and promote uniformity
D.To provide insurance agent licenses
Explanation: The National Association of Insurance Commissioners (NAIC) is a voluntary organization of state insurance regulators that works to coordinate insurance regulation among states, promote uniformity in insurance laws and regulations, and provide support and resources to state insurance departments.
6When an agent discovers a significant error in a policy after it has been issued, what is the most appropriate first step?
A.Ignore the error if the client has not noticed
B.Immediately contact the insurer to discuss correction options and notify the client
C.Wait until the policy renewal to make corrections
D.Cancel the policy without notifying the client
Explanation: When an error is discovered in a policy, the agent should immediately contact the insurer to discuss correction options (such as a policy endorsement or reissuance) and promptly notify the client of the error and the steps being taken to correct it. This demonstrates professional responsibility and helps maintain client trust.
7What are the two main coverage triggers for a Commercial General Liability (CGL) policy?
A.Occurrence and Claims-made
B.Accident and Intentional
C.First-party and Third-party
D.Direct and Indirect
Explanation: CGL policies can be written on either an occurrence basis or a claims-made basis. An occurrence policy covers bodily injury or property damage that occurs during the policy period, regardless of when the claim is made. A claims-made policy covers claims that are first made against the insured during the policy period.
8Coverage A of the Commercial General Liability policy provides protection for:
A.Damage to the insured's own property
B.Bodily injury and property damage liability to third parties
C.Employee injuries
D.Professional errors and omissions
Explanation: Coverage A of the CGL policy provides protection for bodily injury and property damage liability to third parties. This is the primary liability coverage that protects the insured against claims arising from accidents on their premises, operations, products, or completed work.
9Which CGL coverage provides protection against claims of libel, slander, false arrest, and invasion of privacy?
A.Coverage A - Bodily Injury and Property Damage Liability
B.Coverage B - Personal and Advertising Injury Liability
C.Coverage C - Medical Payments
D.Supplementary Payments
Explanation: Coverage B - Personal and Advertising Injury Liability provides protection against claims of libel, slander, false arrest, wrongful eviction, malicious prosecution, invasion of privacy, and copyright or advertising injury. This coverage is distinct from bodily injury and property damage liability.
10A general contractor requires that all subcontractors name them as an additional insured on their CGL policies. What is the primary reason for this requirement?
A.To reduce the subcontractor's premium costs
B.To provide the general contractor with direct coverage under the subcontractor's policy for claims arising from the subcontractor's work
C.To eliminate the need for the general contractor to carry their own insurance
D.To satisfy federal tax requirements
Explanation: Requiring subcontractors to name the general contractor as an additional insured provides the GC with direct coverage under the sub's policy for claims arising from the sub's work or operations. This protects the GC from being solely reliant on their own policy and helps prevent coverage gaps when claims involve both parties.

About the CISR Exam

The CISR designation is earned by completing 5 of 9 insurance courses covering personal auto, homeowners, commercial property/casualty, life and health, and agency operations.

Exam sponsor: The National Alliance for Insurance Education & Research. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

50 questions

Time Limit

1 hour

Passing Score

70%

Exam / Certification Fees

$189 per module

Exam sponsor website

Reported exam pass rate: ~85%. for course attendees This describes exam candidates, not OpenExamPrep users or results from using our resources. Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

20%

Personal Auto

PAP coverage, liability, medical payments, UM/UIM, physical damage, endorsements

20%

Homeowners

HO forms, coverage sections, loss settlement, endorsements, flood, earthquake

20%

Commercial P&C

BOP, CGL, commercial auto, workers comp, umbrella/excess liability

20%

Life & Health

Life insurance types, health, disability, LTC, group benefits, annuities

20%

Agency Operations

E&O prevention, customer service, documentation, trust accounting, ethics

Preparing for the CISR Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 50 questions
  • Time limit: 1 hour
  • Exam / certification fees: $189 per module Official sources

Using Our Practice Resources

  • Work through all 200 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

CISR: Suggested Study Strategy

1Attend full course sessions — instructors cover key exam topics
2Focus on coverage forms and differences between HO forms and PAP parts
3Understand common endorsements and when they apply
4Study E&O exposure reduction practices
5Review real-world claims scenarios

Frequently Asked Questions

What is the CISR designation?

Earned by completing 5 of 9 National Alliance courses, each with a 50-question exam requiring 70%.

How hard are CISR exams?

Moderate difficulty with ~85% pass rates for course attendees. Tests practical insurance knowledge.

Which courses should I take?

Most start with Personal Auto, Homeowners, Commercial Property, Commercial Casualty, and Life & Health.

How does CISR compare to CIC?

CISR is entry-level (5 courses). CIC is advanced (5 institutes). Many earn CISR first.