1|Page
FLORIDA 2-20 STATE EXAM LATEST 2025/2026 ACTUAL EXAM WITH
COMPLETE QUESTIONS AND CORRECT DETAILED ANSWERS (100%
VERIFIED ANSWERS) |ALREADY GRADED A+| ||PROFESSOR
VERIFIED|| ||BRANDNEW!!!||
Under the ISO BOP policy Liability and Medical Payments
coverages are written on a ___________ basis.
Per person
Per occurrence
Per insured
Replacement - ANSWER-Per occurence
You have written a BOP for your agency's CPA. The insured does
not have any commercial vehicles but does have an exposure to
automobile related losses to employees driving to the post office
and office supply store. How can you cover this exposure under
the BOP?
You can't, the insured should purchase a non-owners business
auto policy
,2|Page
You can endorse the insured's BOP policy with Hired and Non-
owned automobile liability coverage
The BOP has a Business Auto section to cover an insured's
automobile exposures
None of the above - ANSWER-You can endorse the insured's
BOP policy with Hired and Non-owned automobile liability
coverage
Bodily Injury and Property Damage are EXCLUDED by all BUT
which of the following in the CGL:
Defects and Delays
Ordinary Negligence
Pollution
Employee injuries - ANSWER-Ordinary Negligence
Bob's Radio and TV Repair shop has called in a claim for a
customer who has broken their nose when the customer tripped
over their own shoe laces. How will the BOP respond?
,3|Page
A. The BOP will pay for the first aid to the customer for injuries
sustained on or next to the insured's owned or rented premises
B. The BOP will pay for the first aid to the customer for injuries
sustained at the insured's operations irrespective of legal liability
C. Both A & B
D. Neither A or B - ANSWER-C. Both A & B
True or False: The BOP's liability coverage applies on a per
occurrence basis.
True
False - ANSWER-True
The BOP's Medical Payments coverage covers members of the
public who are injured:
A. On or next to the insured's owned or rented premises
B. Because of the insured's operations
C. Both A & B
, 4|Page
D. Neither A or B - ANSWER-C. Both A & B
The BOP's Fire Legal Liability coverage covers:
Damage caused by an insured to a premises rented to the
insured
Damage caused by an insured to a premises rented by the
insured to a tenant
The BOP does not include Fire Legal coverage
Up to $5,000 for property in the care custody and control of the
insured - ANSWER-Damage caused by an insured to a premises
rented to the insured
What do you call a BOP written on a claims made form?
C1-BOP
BOP-Claims Made
The BOP is never written on a claims made form
FLORIDA 2-20 STATE EXAM LATEST 2025/2026 ACTUAL EXAM WITH
COMPLETE QUESTIONS AND CORRECT DETAILED ANSWERS (100%
VERIFIED ANSWERS) |ALREADY GRADED A+| ||PROFESSOR
VERIFIED|| ||BRANDNEW!!!||
Under the ISO BOP policy Liability and Medical Payments
coverages are written on a ___________ basis.
Per person
Per occurrence
Per insured
Replacement - ANSWER-Per occurence
You have written a BOP for your agency's CPA. The insured does
not have any commercial vehicles but does have an exposure to
automobile related losses to employees driving to the post office
and office supply store. How can you cover this exposure under
the BOP?
You can't, the insured should purchase a non-owners business
auto policy
,2|Page
You can endorse the insured's BOP policy with Hired and Non-
owned automobile liability coverage
The BOP has a Business Auto section to cover an insured's
automobile exposures
None of the above - ANSWER-You can endorse the insured's
BOP policy with Hired and Non-owned automobile liability
coverage
Bodily Injury and Property Damage are EXCLUDED by all BUT
which of the following in the CGL:
Defects and Delays
Ordinary Negligence
Pollution
Employee injuries - ANSWER-Ordinary Negligence
Bob's Radio and TV Repair shop has called in a claim for a
customer who has broken their nose when the customer tripped
over their own shoe laces. How will the BOP respond?
,3|Page
A. The BOP will pay for the first aid to the customer for injuries
sustained on or next to the insured's owned or rented premises
B. The BOP will pay for the first aid to the customer for injuries
sustained at the insured's operations irrespective of legal liability
C. Both A & B
D. Neither A or B - ANSWER-C. Both A & B
True or False: The BOP's liability coverage applies on a per
occurrence basis.
True
False - ANSWER-True
The BOP's Medical Payments coverage covers members of the
public who are injured:
A. On or next to the insured's owned or rented premises
B. Because of the insured's operations
C. Both A & B
, 4|Page
D. Neither A or B - ANSWER-C. Both A & B
The BOP's Fire Legal Liability coverage covers:
Damage caused by an insured to a premises rented to the
insured
Damage caused by an insured to a premises rented by the
insured to a tenant
The BOP does not include Fire Legal coverage
Up to $5,000 for property in the care custody and control of the
insured - ANSWER-Damage caused by an insured to a premises
rented to the insured
What do you call a BOP written on a claims made form?
C1-BOP
BOP-Claims Made
The BOP is never written on a claims made form
