Florida Claims Adjuster Exam| Questions
and Answers | Verified Answers | 2026/ 2027
New
QUESTION
Under Workers Compensation, Employers Liability includes:
A. Claims by others for the liabilities to insureds employees
B. Claims by relatives of injured employees for consequential damages
C. Claims made by employees that are not subject to Workers Comp Laws
D. All of the Above
Answer:
D. All of the Above
QUESTION
Samantha eats uncooked chicken at a local barbecue joint and becomes violently ill. Which of
the following workers compensation benefits would pay for this occurrence?
A. A products and completed operations form
B. A premises and operations form
C. An owners and contractors protective liability form
D. None of the Above
Answer:
D. None of the Above
Samantha is not an employee of the barbecue joint; Workers Comp does not apply.
QUESTION
An optional alternative providing for adjustment of premium after expiration, based on a
guaranteed basic premium to the insurer to which is added the actual losses incurred by the
insured. This is defined as:
A. Cost-Plus Rating Plan
B. Experience Rating Plan
C. Retrospective Rating Plan
D. None of the Above
Answer:
C. Retrospective Rating Plan
Often referred to as Cost-Plus Programs
,QUESTION
Under Employer's Liability, the minimum limits of liability are:
A. 100/100/500
B. 100/500/1000
C. 500/100/500
D. 100/500
Answer:
A. 100/100/500
$100,000 for all claims in each accident
$100,000 per employee for disease
$500,000 for all disease claims
QUESTION
Under Inside The Premises - Robbery or Safe Burglary of Personal Property, a special limit of
per occurrence applies to articles whose principal value is precious metals, precious
or semiprecious stones, pearls or furs, and to the physical or intrinsic value of manuscripts,
drawings or records:
A. $1,000
B. $2,000
C. $4,000
D. $5,000
Answer:
D. $5,000
QUESTION
Under Crime Insurance, losses must be discovered within 1 year. This is defined as:
A. The Discovery Period
B. The Loss Sustained Period
C. The Open Period
D. All of the Above
Answer:
A. The Discovery Period
,QUESTION
Crime Insurance is over any other Insurance coverage.
A. Primary
B. Secondary
C. Excess
D. Recess
Answer:
C. Excess
A situation may arise where another form of insurance will pay claim - that insurance would be
primary.
QUESTION
Cover only losses that both occurred and were discovered during the policy period, or within
one year of its expiration. This is defined as:
A. Discovery
B. Loss Sustained
C. Sustained Loss
D. None of the Above
Answer:
B. Loss Sustained
One exception to the rule is that Loss Sustained forms will also cover losses that occurred under
previous (expired) crime policies and that were discovered during current policy year, as long as
crime coverage had continued w/o interruption
QUESTION
Any loss discovered during the policy period or within 60 days after its expiration (one year
after expiration for losses connected with employee benefit plans) is covered regardless of when
it occurred. This is defined as:
A. Loss Sustained
B. Valuation
C. Discovery
D. None of the Above
Answer:
C. Discovery
If XYZ restaurant discovers stolen goods taken over a year ago, this is within 2 years of
inception date and found within policy period so it's covered.
, QUESTION
Under vCrime vInsurance, vthe vinsured vis vcovered vfor vloss vby:
A. vTheft
B. vBurglary
C. vRobbery
D. vAll vof vthe vAbove
Answer:
D. vAll vof vthe vAbove
Unless vthe vloss vis vspecifically vexcluded vor vlimited
QUESTION
Provides vfor vloss vof vmoney vand vsecurities voutside vthe vpremises vin vthe vcare, vcustody vand
vcontrol vof va vmessenger vor varmored vcar vservice vresulting vfrom vtheft, vdisappearance vor
vdestruction. vThis vis vdefined vas:
A. vInside vthe vPremises
B. vOutside vthe vPremises
C. vCare, vCustody, v& vControl
D. vNone vof vthe vAbove
Answer:
B. vOutside vthe vPremises
Also vcovers vrobbery vof vother vproperty vunder vthe vcircumstances.
QUESTION
Taking vor vattempted vtaking vof vproperty vfrom vwithin va vlocked vsafe vor vvault, vby vunlawful ventry,
vwith vvisible vmarks vof vforcible ventry, vor vtaking vof vthe vsafe vor vvault vfrom vinside vthe vpremises.
vThis vis vdefined vas:
A. vSafe vBurglary
B. vInside vthe vPremises
C. vCustodial vBurglary
D. vNone vof vthe vAbove
Answer:
A. vSafe vBurglary
Exclusions: vaccounting verrors, vgiving/surrendering vproperty, vvoluntarily vparting, vfire v(except
vdamage vto vsafe/vault), vvandalism, vtransferring vproperty vto vsomeone vbased von vunauthorized
vinstructions vor vfrom vthreat vto vharm
and Answers | Verified Answers | 2026/ 2027
New
QUESTION
Under Workers Compensation, Employers Liability includes:
A. Claims by others for the liabilities to insureds employees
B. Claims by relatives of injured employees for consequential damages
C. Claims made by employees that are not subject to Workers Comp Laws
D. All of the Above
Answer:
D. All of the Above
QUESTION
Samantha eats uncooked chicken at a local barbecue joint and becomes violently ill. Which of
the following workers compensation benefits would pay for this occurrence?
A. A products and completed operations form
B. A premises and operations form
C. An owners and contractors protective liability form
D. None of the Above
Answer:
D. None of the Above
Samantha is not an employee of the barbecue joint; Workers Comp does not apply.
QUESTION
An optional alternative providing for adjustment of premium after expiration, based on a
guaranteed basic premium to the insurer to which is added the actual losses incurred by the
insured. This is defined as:
A. Cost-Plus Rating Plan
B. Experience Rating Plan
C. Retrospective Rating Plan
D. None of the Above
Answer:
C. Retrospective Rating Plan
Often referred to as Cost-Plus Programs
,QUESTION
Under Employer's Liability, the minimum limits of liability are:
A. 100/100/500
B. 100/500/1000
C. 500/100/500
D. 100/500
Answer:
A. 100/100/500
$100,000 for all claims in each accident
$100,000 per employee for disease
$500,000 for all disease claims
QUESTION
Under Inside The Premises - Robbery or Safe Burglary of Personal Property, a special limit of
per occurrence applies to articles whose principal value is precious metals, precious
or semiprecious stones, pearls or furs, and to the physical or intrinsic value of manuscripts,
drawings or records:
A. $1,000
B. $2,000
C. $4,000
D. $5,000
Answer:
D. $5,000
QUESTION
Under Crime Insurance, losses must be discovered within 1 year. This is defined as:
A. The Discovery Period
B. The Loss Sustained Period
C. The Open Period
D. All of the Above
Answer:
A. The Discovery Period
,QUESTION
Crime Insurance is over any other Insurance coverage.
A. Primary
B. Secondary
C. Excess
D. Recess
Answer:
C. Excess
A situation may arise where another form of insurance will pay claim - that insurance would be
primary.
QUESTION
Cover only losses that both occurred and were discovered during the policy period, or within
one year of its expiration. This is defined as:
A. Discovery
B. Loss Sustained
C. Sustained Loss
D. None of the Above
Answer:
B. Loss Sustained
One exception to the rule is that Loss Sustained forms will also cover losses that occurred under
previous (expired) crime policies and that were discovered during current policy year, as long as
crime coverage had continued w/o interruption
QUESTION
Any loss discovered during the policy period or within 60 days after its expiration (one year
after expiration for losses connected with employee benefit plans) is covered regardless of when
it occurred. This is defined as:
A. Loss Sustained
B. Valuation
C. Discovery
D. None of the Above
Answer:
C. Discovery
If XYZ restaurant discovers stolen goods taken over a year ago, this is within 2 years of
inception date and found within policy period so it's covered.
, QUESTION
Under vCrime vInsurance, vthe vinsured vis vcovered vfor vloss vby:
A. vTheft
B. vBurglary
C. vRobbery
D. vAll vof vthe vAbove
Answer:
D. vAll vof vthe vAbove
Unless vthe vloss vis vspecifically vexcluded vor vlimited
QUESTION
Provides vfor vloss vof vmoney vand vsecurities voutside vthe vpremises vin vthe vcare, vcustody vand
vcontrol vof va vmessenger vor varmored vcar vservice vresulting vfrom vtheft, vdisappearance vor
vdestruction. vThis vis vdefined vas:
A. vInside vthe vPremises
B. vOutside vthe vPremises
C. vCare, vCustody, v& vControl
D. vNone vof vthe vAbove
Answer:
B. vOutside vthe vPremises
Also vcovers vrobbery vof vother vproperty vunder vthe vcircumstances.
QUESTION
Taking vor vattempted vtaking vof vproperty vfrom vwithin va vlocked vsafe vor vvault, vby vunlawful ventry,
vwith vvisible vmarks vof vforcible ventry, vor vtaking vof vthe vsafe vor vvault vfrom vinside vthe vpremises.
vThis vis vdefined vas:
A. vSafe vBurglary
B. vInside vthe vPremises
C. vCustodial vBurglary
D. vNone vof vthe vAbove
Answer:
A. vSafe vBurglary
Exclusions: vaccounting verrors, vgiving/surrendering vproperty, vvoluntarily vparting, vfire v(except
vdamage vto vsafe/vault), vvandalism, vtransferring vproperty vto vsomeone vbased von vunauthorized
vinstructions vor vfrom vthreat vto vharm
