Florida Adjuster Exam questions with verified answers
A businessowners property coverage applies to:
A. Business personal property.
B. Real estate and improvements.
C. Buildings alone.
D. Buildings, business personal property, or both. Ans✓✓✓ D. Buildings, business
personal property, or both.
A claims adjuster ls NOT required to keep a complete and accurate claim file to:
A. help the insurer deny the c1aim
B. facilitate examination by insurance regulators
C. document the activities related to the adjustment of the claim
D. enable others to service the claim 1f the adjuster 1s unavailable Ans✓✓✓ A.
help the insurer deny the c1aim
A contractor hires 15-year-old Kevin as a part-time employee to cut lumber,
knowing the law does not permit Kevin to work near power tools because of his
age. Kevin accidentally cuts his finger off while using a power saw. The liability
coverage of the contractor's workers compensation and employers liability
insurance policy:
A. covers the claim for injuries and any resulting punitive damages.
B. does not cover this claim because it involves intentional injury.
C. covers this claim, because Kevin was an employee injured on the job.
,D. does not cover this claim because the contractor knew it employed Kevin in
violation of the law. Ans✓✓✓ D. does not cover this claim because the
contractor knew it employed Kevin in violation of the law.
A retired artist Amber gives free evening lessons in her home to promising young
artists. According to hers homeowners insurance policy, why is her giving lessons
not considered a business?
A. Because she is retired
B. Because she receives no money or other compensation
C. Because she only does it part time
D. Because art is a talent Ans✓✓✓ B. Because she receives no money or other
compensation.
A wide variety of products owned by various shippers are transported aboard the
Alejandra, an oceangoing vessel. In the language of ocean marine insurance, what
are these goods aboard the Alejandra collectively referred to as?
A. loading.
B. consignments.
C. cargo.
D. payload. Ans✓✓✓ C. cargo.
As best the police can determine, a thief apparently hid in the storeroom of
Isaiah's store before closing time and then broke through the locked warehouse
door and escaped with valuable merchandise. What
is Isaiah the victim of?
, A. a loss outside the premises
B. a burglary
C. a safe burglary
D. a robbery Ans✓✓✓ B. a burglary
Banemore Manufacturing Company's operations involve hazardous materials and
processes. Which situation does NOT involve a pollutant as defined in the
pollution liability coverage forms?
A. Banemore's cooling towers discharge hot water into a creek.
B. Banemore's operations interfere with data transmissions in a nearby
neighborhood.
C. Ash from Banemore's plant collects in a field near the plant.
D. Smoke billows from Banemore's chimneys. Ans✓✓✓ B. Banemore's
operations interfere with data transmissions in a nearby neighborhood.
Chris did not pay the premium to renew his personal auto insurance policy at the
end of its term. What will happen to the policy on its expiration date?
A. It will automatically renew
B. It will automatically terminate
C. It will be rescinded
D. It will be subject to assignment Ans✓✓✓ B. It will automatically terminate
A businessowners property coverage applies to:
A. Business personal property.
B. Real estate and improvements.
C. Buildings alone.
D. Buildings, business personal property, or both. Ans✓✓✓ D. Buildings, business
personal property, or both.
A claims adjuster ls NOT required to keep a complete and accurate claim file to:
A. help the insurer deny the c1aim
B. facilitate examination by insurance regulators
C. document the activities related to the adjustment of the claim
D. enable others to service the claim 1f the adjuster 1s unavailable Ans✓✓✓ A.
help the insurer deny the c1aim
A contractor hires 15-year-old Kevin as a part-time employee to cut lumber,
knowing the law does not permit Kevin to work near power tools because of his
age. Kevin accidentally cuts his finger off while using a power saw. The liability
coverage of the contractor's workers compensation and employers liability
insurance policy:
A. covers the claim for injuries and any resulting punitive damages.
B. does not cover this claim because it involves intentional injury.
C. covers this claim, because Kevin was an employee injured on the job.
,D. does not cover this claim because the contractor knew it employed Kevin in
violation of the law. Ans✓✓✓ D. does not cover this claim because the
contractor knew it employed Kevin in violation of the law.
A retired artist Amber gives free evening lessons in her home to promising young
artists. According to hers homeowners insurance policy, why is her giving lessons
not considered a business?
A. Because she is retired
B. Because she receives no money or other compensation
C. Because she only does it part time
D. Because art is a talent Ans✓✓✓ B. Because she receives no money or other
compensation.
A wide variety of products owned by various shippers are transported aboard the
Alejandra, an oceangoing vessel. In the language of ocean marine insurance, what
are these goods aboard the Alejandra collectively referred to as?
A. loading.
B. consignments.
C. cargo.
D. payload. Ans✓✓✓ C. cargo.
As best the police can determine, a thief apparently hid in the storeroom of
Isaiah's store before closing time and then broke through the locked warehouse
door and escaped with valuable merchandise. What
is Isaiah the victim of?
, A. a loss outside the premises
B. a burglary
C. a safe burglary
D. a robbery Ans✓✓✓ B. a burglary
Banemore Manufacturing Company's operations involve hazardous materials and
processes. Which situation does NOT involve a pollutant as defined in the
pollution liability coverage forms?
A. Banemore's cooling towers discharge hot water into a creek.
B. Banemore's operations interfere with data transmissions in a nearby
neighborhood.
C. Ash from Banemore's plant collects in a field near the plant.
D. Smoke billows from Banemore's chimneys. Ans✓✓✓ B. Banemore's
operations interfere with data transmissions in a nearby neighborhood.
Chris did not pay the premium to renew his personal auto insurance policy at the
end of its term. What will happen to the policy on its expiration date?
A. It will automatically renew
B. It will automatically terminate
C. It will be rescinded
D. It will be subject to assignment Ans✓✓✓ B. It will automatically terminate
