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Hawaii Adjuster Exam EXAM (updated 2025)
Questions & Answers | Latest Already Graded
A+ UPDATE 2025|2026
Which of the following statements is NOT TRUE regarding the
"Extended Period of Indemnity" option of the Business Income
form? Ans: The coverage applies for 120 days following the
period of restoration
When a Hawaii employee sustains an injury requiring medical
treatment beyond first aid, how long does the employer have to
report the accident to the Director of Labor and Industry
relations? Ans: 7 working days
After paying a claim an insurance company may have the right
to pursue legal action against the negligent party. This is known
as: Ans: Subrogation
What coverage under the BOP automatically applies if a
customer slips and falls on the named insured's premises,
regardless of legal liability? Ans: Medical expense coverage
All of the following are examples of unfair claim practices,
EXCEPT: Ans: Making claim payments and stating the coverage
under which payment is made
What is the bond requirement for a Surplus Lines broker license
in Hawaii? Ans: $100,000.
Which of the following would be covered under the personal
property (contents) coverage of an NFIP policy? Ans: The
insured's riding lawn mower kept inside an attached garage..
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The BOP has limitations on the square footage in regard to
eligible retail and service risks. What is the maximum square
footage a building can contain and still be eligible for the policy?
Ans: 35,000 square feet
What is the purpose of the Hawaii Property Insurance
Association? Ans: To assure the availability of basic property
insurance.
The NAIC Model Unfair Claim Settlement Practices Act specifies
that the insurance company must provide the proper claim
forms with a reasonable explanation of how to use them to the
claimant within: Ans: 15 calendar days of the request
If an agent offers an inducement to a perspective client in an
attempt to write his or her insurance, this is called: Ans:
Rebating.
St. Michael's Church is having their annual rigatoni dinner. Mary
is volunteering to serve the guests. Which of the following
situations would be covered by the CGL for the church? Ans:
Mary spills hot coffee on a guest
Bill may be negligent if he: Ans: Fails to do what a reasonably
prudent person would do in the same circumstance
Assume a Hawaii employee is injured in the course of work, and
the employer later receives a report from the treating physician
indicating that the employee is a candidate for vocational
rehabilitation. In this instance, how many days from the date of
injury must the employer provide information to the employee
regarding his or her rights to vocational rehabilitation benefits?
Ans: 120 days
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The MCS-90 endorsement provides coverage for all of the
following, EXCEPT: Ans: Personal injury
No radio or television broadcast, nor published written
communication in Hawaii may: Ans: Advertise for any insurer
that is not authorized to transact insurance in Hawaii
Which of the following is considered an Unfair Claim Settlement
Practice? Ans: Requiring a claimant to submit a preliminary
claim report before moving forward on the claim
The Earthquake Endorsement to a Homeowners policy will
provide coverage to the dwelling and/or personal property with
the deductible stated as: Ans: 5% of the limit that applies to all
Section I coverages
Personal Excess Liability policies provide coverage for all of the
following, EXCEPT: Ans: Damage to an insured's property due
to fire.
Under the Equipment Breakdown Protection form that covers
boilers and machinery, what is considered to be one loss event?
Ans: The initial breakdown that causes other breakdowns
Commercial inland marine policies require the insured to submit
a signed, sworn statement of loss: Ans: Within 60 days of the
insurer requesting it
An insured purchases several different insurance policies that
provide coverage in an amount that would allow him to make a
profit from a covered loss. This is known as: Ans:
Overinsurance
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All of the following are situations where a Commercial Umbrella
policy would be triggered to provide coverage, EXCEPT: Ans:
The underlying liability policy limits are sufficient to pay the
entire claim
A claim is brought against the named insured under a CGL
policy. Before settlement is made the insured files for
bankruptcy. This action: Ans: Does not relieve the insurance
company from paying the claim
When the Hawaii Commissioner deems that current rates may
be excessive and mandates that insurers submit new rate
filings, when must the new filings be submitted? Ans: Within
120 days of the mandate
Which of the following best describes how the peril of "theft" is
covered under the 1943 New York Standard Fire policy? Ans:
Theft is a covered peril under the removal coverage
In situations where the insured and the insurer could disagree
on the value of an item, it would be best to insure that item on
a(n) __________ basis Ans: Agreed Value
Gottfried, an insurance agent, has posted information online in
an forum for insurance professionals. This information stated
that Greta's insurance agency has been engaging in rebating
and her appointing insurer is about to file for bankruptcy.
Gottfried knows this information is untrue, but he is angry that
some of his clients have recently left his agency to place
business with Greta. Which of the following statements is true of
Gottfried's actions? Ans: Gottfried has defamed both Greta and
her appointing insurer, an unethical and illegal action
Hawaii Adjuster Exam EXAM (updated 2025)
Questions & Answers | Latest Already Graded
A+ UPDATE 2025|2026
Which of the following statements is NOT TRUE regarding the
"Extended Period of Indemnity" option of the Business Income
form? Ans: The coverage applies for 120 days following the
period of restoration
When a Hawaii employee sustains an injury requiring medical
treatment beyond first aid, how long does the employer have to
report the accident to the Director of Labor and Industry
relations? Ans: 7 working days
After paying a claim an insurance company may have the right
to pursue legal action against the negligent party. This is known
as: Ans: Subrogation
What coverage under the BOP automatically applies if a
customer slips and falls on the named insured's premises,
regardless of legal liability? Ans: Medical expense coverage
All of the following are examples of unfair claim practices,
EXCEPT: Ans: Making claim payments and stating the coverage
under which payment is made
What is the bond requirement for a Surplus Lines broker license
in Hawaii? Ans: $100,000.
Which of the following would be covered under the personal
property (contents) coverage of an NFIP policy? Ans: The
insured's riding lawn mower kept inside an attached garage..
, Page | 2
The BOP has limitations on the square footage in regard to
eligible retail and service risks. What is the maximum square
footage a building can contain and still be eligible for the policy?
Ans: 35,000 square feet
What is the purpose of the Hawaii Property Insurance
Association? Ans: To assure the availability of basic property
insurance.
The NAIC Model Unfair Claim Settlement Practices Act specifies
that the insurance company must provide the proper claim
forms with a reasonable explanation of how to use them to the
claimant within: Ans: 15 calendar days of the request
If an agent offers an inducement to a perspective client in an
attempt to write his or her insurance, this is called: Ans:
Rebating.
St. Michael's Church is having their annual rigatoni dinner. Mary
is volunteering to serve the guests. Which of the following
situations would be covered by the CGL for the church? Ans:
Mary spills hot coffee on a guest
Bill may be negligent if he: Ans: Fails to do what a reasonably
prudent person would do in the same circumstance
Assume a Hawaii employee is injured in the course of work, and
the employer later receives a report from the treating physician
indicating that the employee is a candidate for vocational
rehabilitation. In this instance, how many days from the date of
injury must the employer provide information to the employee
regarding his or her rights to vocational rehabilitation benefits?
Ans: 120 days
, Page | 3
The MCS-90 endorsement provides coverage for all of the
following, EXCEPT: Ans: Personal injury
No radio or television broadcast, nor published written
communication in Hawaii may: Ans: Advertise for any insurer
that is not authorized to transact insurance in Hawaii
Which of the following is considered an Unfair Claim Settlement
Practice? Ans: Requiring a claimant to submit a preliminary
claim report before moving forward on the claim
The Earthquake Endorsement to a Homeowners policy will
provide coverage to the dwelling and/or personal property with
the deductible stated as: Ans: 5% of the limit that applies to all
Section I coverages
Personal Excess Liability policies provide coverage for all of the
following, EXCEPT: Ans: Damage to an insured's property due
to fire.
Under the Equipment Breakdown Protection form that covers
boilers and machinery, what is considered to be one loss event?
Ans: The initial breakdown that causes other breakdowns
Commercial inland marine policies require the insured to submit
a signed, sworn statement of loss: Ans: Within 60 days of the
insurer requesting it
An insured purchases several different insurance policies that
provide coverage in an amount that would allow him to make a
profit from a covered loss. This is known as: Ans:
Overinsurance
, Page | 4
All of the following are situations where a Commercial Umbrella
policy would be triggered to provide coverage, EXCEPT: Ans:
The underlying liability policy limits are sufficient to pay the
entire claim
A claim is brought against the named insured under a CGL
policy. Before settlement is made the insured files for
bankruptcy. This action: Ans: Does not relieve the insurance
company from paying the claim
When the Hawaii Commissioner deems that current rates may
be excessive and mandates that insurers submit new rate
filings, when must the new filings be submitted? Ans: Within
120 days of the mandate
Which of the following best describes how the peril of "theft" is
covered under the 1943 New York Standard Fire policy? Ans:
Theft is a covered peril under the removal coverage
In situations where the insured and the insurer could disagree
on the value of an item, it would be best to insure that item on
a(n) __________ basis Ans: Agreed Value
Gottfried, an insurance agent, has posted information online in
an forum for insurance professionals. This information stated
that Greta's insurance agency has been engaging in rebating
and her appointing insurer is about to file for bankruptcy.
Gottfried knows this information is untrue, but he is angry that
some of his clients have recently left his agency to place
business with Greta. Which of the following statements is true of
Gottfried's actions? Ans: Gottfried has defamed both Greta and
her appointing insurer, an unethical and illegal action
