FLORIDA GENERAL LINES EVALUATION EXAMS 2025/2026
QUESTIONS AND SOLUTIONS GRADED A+
✔✔Which business auto policy (BAP) coverage symbol provides coverage for both own
and non-own autos and is only to apply liability coverage? - ✔✔Symbol 1 - Provides
coverage for any auto no other coverage symbol provides this wide coverage
✔✔Which business auto policy (BAP) coverage symbol would be used in Florida to
provide no-fault coverage? - ✔✔Symbol 5 - which provides vehicles coverage for states
with compulsory no-fault laws such as Florida
✔✔Which BAP symbol would be used to cover a business owner from liability for
employees use of their own autos in the business? - ✔✔Symbol 9 - Provides coverage
for non-own autos only except vehicles rented or borrowed which is covered under
symbol 8.
✔✔What is the maximum load capacity for trailers under the business auto policy
(BAP)? - ✔✔A maximum weight capacity of 2,000 pounds
✔✔Which policy is designed to provide coverage for an insured in the garage business
that is excluded under the personal and commercial auto policy? - ✔✔The garage policy
✔✔Which garage coverage symbol covers damage to autos left for service, repair and
storage in the custody of an insured? - ✔✔Symbol 30 which provides liability coverage
for damage to vehicles of others left in an insured care, custody and control.
✔✔Which of the following would not be covered under the garage policy liability
coverage?
a.A person got in an accident due to a defective tire sold to him by an insured
b.A person got in an accident due to a faulty breaking system installed by an insured
c.A person got in an accident due to wheels not properly installed by the insured
d.A person got in an accident while test driving an auto due to his fault - ✔✔d
✔✔All of the following are coverages under the garage liability coverage except?
a.Liability resulting from the premises of a garage business
b.All are covered
c.Liability arising from the operations of a garage business
d.Liability arising from defective products and faulty workmanship - ✔✔b
✔✔The following are excluded under the garage policy liability coverage except
a.Property damage to an insured own products
,b.All are exclusions
c.Injury to employees covered under workers compensation
d.Liability resulting from recall of products - ✔✔b
✔✔Which garage policy coverage covers an insured's liability for physical damage to
non-own vehicles left in the care, custody and control of the insured? - ✔✔The garage
keepers liability coverage
✔✔Coverage for vehicles of auto dealers is usually written under what coverage form? -
✔✔On a blanket basis which means one limit would apply to any one loss.
✔✔Which of the following is not an exclusion under the garage policy dealer's
coverage?
a.Loss at a newly acquired location not reported to the insurer with 45 days of the
location acquisition
b.Collision damage to vehicles driven or transported from the point of purchase to a
destination over a 50 miles radius
c.Collision damage to vehicles driven within a 50 miles radius from the dealership
d.Expected profits - ✔✔c
✔✔What is the garage policy endorsement that would provide coverage for dealers for
physical damage to vehicles delivered to a destination over a 50 miles radius from the
point of purchase? - ✔✔The dealers drive away collision endorsement.
✔✔What garage policy endorsement will provide physical damage coverage to dealers
that ensure against loss from voluntary parting of a covered auto by trick or scheme or
acquiring an auto from a person who does not have a legal title? - ✔✔The false
pretense endorsement
✔✔The following are related to commercial property insurance coverages except?
a.Covers coverage for both direct and indirect losses
b.Provides first party coverage for losses resulting from damage to property
c.Provides liability coverage
d.Coverage is provided for properties other than 1 to 4 families dwellings - ✔✔c
✔✔What is the written notification period an insurer must provide an insured for the
cancellation (within the first 90 days) and non-renewal (after the first 90 days) of a
commercial property policy? - ✔✔20 days for cancellation and 45 days for non-renewal
and 10 days for non-payment of premiums.
✔✔Commercial property insurance coverage may be void for the following reasons
except?
, a.Intentional concealment of material facts
b.Intentional misrepresentation of material facts
c.All would apply
d.Fraud committed by an insured - ✔✔c
✔✔What is the commercial property clause that states that coverage would apply to an
insured when coverage is broaden without an increase in premium?
a.The indemnity clause
b.The liberalization clause
c.The subrogation clause
d.The other insurance clause - ✔✔b
✔✔How losses under property insurance are distributed when more than one policy
covers the same loss but has different provisions? - ✔✔The commercial property policy
would be excess over the other policy.
✔✔What is the commercial property clause that states that the insurer will be entitled to
recover losses paid to an insured from a negligent third party? - ✔✔The subrogation
clause
✔✔The primary coverages under the commercial property policy include the following
except?
a.Liability coverage
b.Coverage on business personal property
c.Coverage on personal property of others
d.Coverage on the building - ✔✔a
✔✔What is the debris additional coverage limit under the commercial property policy? -
✔✔25% of the building coverage plus an additional $10,000
✔✔What is the pollution cleanup and removal maximum additional coverage limit under
the commercial property policy? - ✔✔$10,000 during any 12 months period.
✔✔What is the automatic coverage limit under the commercial property policy for newly
acquired buildings or buildings under construction at the insured premises or other
premises? - ✔✔$250,000 for a period of 30 days
✔✔What is the automatic coverage limit for newly acquired business personal property
under the commercial property policy at the insured location or another location? -
✔✔$100,000 for a maximum period of 30 days during which it must be reported to the
insurer.
QUESTIONS AND SOLUTIONS GRADED A+
✔✔Which business auto policy (BAP) coverage symbol provides coverage for both own
and non-own autos and is only to apply liability coverage? - ✔✔Symbol 1 - Provides
coverage for any auto no other coverage symbol provides this wide coverage
✔✔Which business auto policy (BAP) coverage symbol would be used in Florida to
provide no-fault coverage? - ✔✔Symbol 5 - which provides vehicles coverage for states
with compulsory no-fault laws such as Florida
✔✔Which BAP symbol would be used to cover a business owner from liability for
employees use of their own autos in the business? - ✔✔Symbol 9 - Provides coverage
for non-own autos only except vehicles rented or borrowed which is covered under
symbol 8.
✔✔What is the maximum load capacity for trailers under the business auto policy
(BAP)? - ✔✔A maximum weight capacity of 2,000 pounds
✔✔Which policy is designed to provide coverage for an insured in the garage business
that is excluded under the personal and commercial auto policy? - ✔✔The garage policy
✔✔Which garage coverage symbol covers damage to autos left for service, repair and
storage in the custody of an insured? - ✔✔Symbol 30 which provides liability coverage
for damage to vehicles of others left in an insured care, custody and control.
✔✔Which of the following would not be covered under the garage policy liability
coverage?
a.A person got in an accident due to a defective tire sold to him by an insured
b.A person got in an accident due to a faulty breaking system installed by an insured
c.A person got in an accident due to wheels not properly installed by the insured
d.A person got in an accident while test driving an auto due to his fault - ✔✔d
✔✔All of the following are coverages under the garage liability coverage except?
a.Liability resulting from the premises of a garage business
b.All are covered
c.Liability arising from the operations of a garage business
d.Liability arising from defective products and faulty workmanship - ✔✔b
✔✔The following are excluded under the garage policy liability coverage except
a.Property damage to an insured own products
,b.All are exclusions
c.Injury to employees covered under workers compensation
d.Liability resulting from recall of products - ✔✔b
✔✔Which garage policy coverage covers an insured's liability for physical damage to
non-own vehicles left in the care, custody and control of the insured? - ✔✔The garage
keepers liability coverage
✔✔Coverage for vehicles of auto dealers is usually written under what coverage form? -
✔✔On a blanket basis which means one limit would apply to any one loss.
✔✔Which of the following is not an exclusion under the garage policy dealer's
coverage?
a.Loss at a newly acquired location not reported to the insurer with 45 days of the
location acquisition
b.Collision damage to vehicles driven or transported from the point of purchase to a
destination over a 50 miles radius
c.Collision damage to vehicles driven within a 50 miles radius from the dealership
d.Expected profits - ✔✔c
✔✔What is the garage policy endorsement that would provide coverage for dealers for
physical damage to vehicles delivered to a destination over a 50 miles radius from the
point of purchase? - ✔✔The dealers drive away collision endorsement.
✔✔What garage policy endorsement will provide physical damage coverage to dealers
that ensure against loss from voluntary parting of a covered auto by trick or scheme or
acquiring an auto from a person who does not have a legal title? - ✔✔The false
pretense endorsement
✔✔The following are related to commercial property insurance coverages except?
a.Covers coverage for both direct and indirect losses
b.Provides first party coverage for losses resulting from damage to property
c.Provides liability coverage
d.Coverage is provided for properties other than 1 to 4 families dwellings - ✔✔c
✔✔What is the written notification period an insurer must provide an insured for the
cancellation (within the first 90 days) and non-renewal (after the first 90 days) of a
commercial property policy? - ✔✔20 days for cancellation and 45 days for non-renewal
and 10 days for non-payment of premiums.
✔✔Commercial property insurance coverage may be void for the following reasons
except?
, a.Intentional concealment of material facts
b.Intentional misrepresentation of material facts
c.All would apply
d.Fraud committed by an insured - ✔✔c
✔✔What is the commercial property clause that states that coverage would apply to an
insured when coverage is broaden without an increase in premium?
a.The indemnity clause
b.The liberalization clause
c.The subrogation clause
d.The other insurance clause - ✔✔b
✔✔How losses under property insurance are distributed when more than one policy
covers the same loss but has different provisions? - ✔✔The commercial property policy
would be excess over the other policy.
✔✔What is the commercial property clause that states that the insurer will be entitled to
recover losses paid to an insured from a negligent third party? - ✔✔The subrogation
clause
✔✔The primary coverages under the commercial property policy include the following
except?
a.Liability coverage
b.Coverage on business personal property
c.Coverage on personal property of others
d.Coverage on the building - ✔✔a
✔✔What is the debris additional coverage limit under the commercial property policy? -
✔✔25% of the building coverage plus an additional $10,000
✔✔What is the pollution cleanup and removal maximum additional coverage limit under
the commercial property policy? - ✔✔$10,000 during any 12 months period.
✔✔What is the automatic coverage limit under the commercial property policy for newly
acquired buildings or buildings under construction at the insured premises or other
premises? - ✔✔$250,000 for a period of 30 days
✔✔What is the automatic coverage limit for newly acquired business personal property
under the commercial property policy at the insured location or another location? -
✔✔$100,000 for a maximum period of 30 days during which it must be reported to the
insurer.
