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Workers Comp Knowledge – Can You Pass The Test?


Workers Comp Knowledge Test – These Questions Are Not Easy

Two of our most popular articles last year covered quizzes that tested workers comp knowledge.

Quite a few website/newsletter readers had said they enjoyed the quizzes.  A recommendation was made that I include a True or False test.  A large percentage of the articles contained in this website came from reader suggestions.   Some of these questions are covered in the articles on this website.

Most of the Workers Comp knowledge questions come from situations that I consulted on over the last three months of 2022.

  1. Ohio is one of the unique states in the US for Workers Compensation.  An employer cannot be self-insured for Workers Comp in Ohio.  T or F
  2. The Rating Bureaus such as NCCI or WCIRB do not allow employers to see their Workers Comp data.  T or F
  3. Sally the Risk Manager was given  the task of securing coverage for a large employer.  An Occupational Accident (Occ Acc) policy was secured  to cover the employees in case of an accident.  Most states accept Occ Acc policies as Workers Comp coverage.   T or F
  4. Many large employers have large deductible policies in place. A large deductible policy is really just self-insurance.  T or F
  5. The best method to reduce a Workers Comp budget is by creating a Workers Comp safety manual for an employer.  T or F
  6. COVID-19 claims were the most numerous Workers Compensation claims in 2020 and 2021.  T or F
  7. New Jersey was the most expensive state for Workers Comp in 2022.  T or F
  8. An easy way for an employer to reduce workers comp costs is by joining and becoming active n an association of similar companies.  T of F
  9. The cause of the highest accident rates is when an employee first uses a tool, machine, etc.  T or F
  10. A college degree is required to be successful in the field of Workers Comp or any type of insurance. T or F
  11. Bonus – The oldest workers compensation system originated with merchant marine ships.  T or F
  12. Bonus – Other countries have an effect on the US Workers Comp system. T or F

Two bonus questions were added to help your Workers Comp knowledge test scores get to the 100% mark or higher.  Feel free to forward this test on to your coworkers to compare your scores.

The answers to the Workers Comp knowledge test will be published next week. Good luck.

Also Read: Workers Comp Test Answers – Did You Pass?

pic person taking workers comp knowledge test
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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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