SUPER-DUPER TEXAS ADJUSTER LICENSE (ACTUAL
2025/2026) COMPLETE 200 QUESTIONS AND 100% CORRECT
DETAILED ANSWERS
Bonds/Surety: A ____________ bond guarantees the surety that
the work will be completed free and clear of any liens. - --
Answers---completion
Ocean Marine Insurance: What are the 4 ocean marine
coverages and what do they each cover? - --Answers---(1)
Hull insurance -- covers the ship itself
(2) Cargo insurance -- covers a vessel's cargo while in transit
over water
(3) Freight insurance -- covers the cost of the shipping
(4) Protection and Indemnity (P&I) -- provides marine liability
insurance for injuries to passengers, crew members or
persons on other ships; job-related injures to sailors; injuries
to stevedores, etc; and damage to cargo, docks, ships, or other
property.
Ocean Marine Insurance: What is barratry in Ocean Marine
insurance? - --Answers---illegal acts (including hijacking,
abandonment & embezzlement) committed willfully by a ship's
master or crew for the purpose of damaging the ship or cargo
Ocean Marine Insurance: What is jettison? - --Answers---a
voluntary action to rid the ship of cargo in order to prevent
further damage or peril
,Ocean Marine Insurance: What coverage does the "running
down" clause provide in an Ocean Marine policy? - --Answers-
--Covers collision damage to another vessel or its cargo, but
does not cover bodily injury or damage to property such as
harbors , piers, et cetera
Inland Marine Insurance: Any property that has an "element of
_____________ is eligible for inland marine coverage. - --
Answers---portability
Inland Marine Insurance: what perils are insured against in an
"annual transit" policy? - --Answers---Fire, windstorm,
collision, theft
Inland Marine Insurance: Give some examples of some items
that can be covered with a Personal Articles Floaters (PAF) - -
-Answers---Jewelry, furs, cameras, musical instruments, golf
equipment, stamps et cetera
Inland Marine Insurance: What Inland Marine coverage form
provides for open peril/all risk coverage for specific items of
personal property that are "scheduled" - --Answers---
Personal Articles Floater
Inland Marine Insurance: What Inland Marine coverage form
provides for open peril/all risk coverage with a blanket
maximum limit for categories of property? - --Answers---
Personal Property Floater. the property in this coverage form
would be "unscheduled"
,Inland Marine Insurance: What does the business floater
"Valuable Papers and Records Coverage Form" provide
coverage for ? - --Answers---Damage or loss to any valuable
papers such as books, deeds, maps, manuscripts, files,
mortgages et cetera
Inland Marine Insurance: What inland marine coverage form
provides coverage for money that cannot be collected from
customers because of damage that has been incurred to the
insured's accounts receivable records? - --Answers---
Accounts Receivable Coverage Form
Aviation Insurance: What aviation coverage provides coverage
for loss or damage to the aircraft itself? - --Answers---Hull
coverage
Aviation Insurance: What aviation coverage provides coverage
for property damage to or loss of the aircraft of others in the
insured's care, custody, or control or while the aircraft is being
serviced, handles or repaired by the insured on the insured's
premises? - --Answers---Hangarkeeper's Liability coverage
Worker's Compensation Insurance: Why was Workers'
Compensation insured created? - --Answers---To provide a
way that work-related injuries or illnesses could be
compensated for without the employer having a civil suit
brought against him by the injured employee. (WC.1)
, Worker's Compensation Insurance: What does WC insurance
cover? - --Answers---All work-related injuries or illnesses
regardless of fault. (WC.1)
Worker's Compensation Insurance: What are the 5 listed
"injuries covered" under WC insurance? (WC.6) - --Answers--
-(1) Bodily injury that arises out of employment or in the
course of employment
(2) Occupational disease that is unique to the occupation
(3) Bodily injury or illness that occurs on the premises of the
business or away from the business while performing work
duties
(4) Repetitive stress injuries
(5) May sometimes apply if a pre-existing physical condition is
made worse through the course of work duties
Worker's Compensation Insurance: What are the 6 listed
"injuries not covered" under WC insurance? - --Answers---
(1)Intentional injuries
(2) off-duty work-related or work-sponsored social, athletic or
recreational events unless participation is required by the
employer
(3) Mental or nervous injury due to fright or excitement only
(4) Injury arising from voluntary intoxication
(5) Injury caused by horseplay
(6) Diseases due to habitual drug and alcohol use
2025/2026) COMPLETE 200 QUESTIONS AND 100% CORRECT
DETAILED ANSWERS
Bonds/Surety: A ____________ bond guarantees the surety that
the work will be completed free and clear of any liens. - --
Answers---completion
Ocean Marine Insurance: What are the 4 ocean marine
coverages and what do they each cover? - --Answers---(1)
Hull insurance -- covers the ship itself
(2) Cargo insurance -- covers a vessel's cargo while in transit
over water
(3) Freight insurance -- covers the cost of the shipping
(4) Protection and Indemnity (P&I) -- provides marine liability
insurance for injuries to passengers, crew members or
persons on other ships; job-related injures to sailors; injuries
to stevedores, etc; and damage to cargo, docks, ships, or other
property.
Ocean Marine Insurance: What is barratry in Ocean Marine
insurance? - --Answers---illegal acts (including hijacking,
abandonment & embezzlement) committed willfully by a ship's
master or crew for the purpose of damaging the ship or cargo
Ocean Marine Insurance: What is jettison? - --Answers---a
voluntary action to rid the ship of cargo in order to prevent
further damage or peril
,Ocean Marine Insurance: What coverage does the "running
down" clause provide in an Ocean Marine policy? - --Answers-
--Covers collision damage to another vessel or its cargo, but
does not cover bodily injury or damage to property such as
harbors , piers, et cetera
Inland Marine Insurance: Any property that has an "element of
_____________ is eligible for inland marine coverage. - --
Answers---portability
Inland Marine Insurance: what perils are insured against in an
"annual transit" policy? - --Answers---Fire, windstorm,
collision, theft
Inland Marine Insurance: Give some examples of some items
that can be covered with a Personal Articles Floaters (PAF) - -
-Answers---Jewelry, furs, cameras, musical instruments, golf
equipment, stamps et cetera
Inland Marine Insurance: What Inland Marine coverage form
provides for open peril/all risk coverage for specific items of
personal property that are "scheduled" - --Answers---
Personal Articles Floater
Inland Marine Insurance: What Inland Marine coverage form
provides for open peril/all risk coverage with a blanket
maximum limit for categories of property? - --Answers---
Personal Property Floater. the property in this coverage form
would be "unscheduled"
,Inland Marine Insurance: What does the business floater
"Valuable Papers and Records Coverage Form" provide
coverage for ? - --Answers---Damage or loss to any valuable
papers such as books, deeds, maps, manuscripts, files,
mortgages et cetera
Inland Marine Insurance: What inland marine coverage form
provides coverage for money that cannot be collected from
customers because of damage that has been incurred to the
insured's accounts receivable records? - --Answers---
Accounts Receivable Coverage Form
Aviation Insurance: What aviation coverage provides coverage
for loss or damage to the aircraft itself? - --Answers---Hull
coverage
Aviation Insurance: What aviation coverage provides coverage
for property damage to or loss of the aircraft of others in the
insured's care, custody, or control or while the aircraft is being
serviced, handles or repaired by the insured on the insured's
premises? - --Answers---Hangarkeeper's Liability coverage
Worker's Compensation Insurance: Why was Workers'
Compensation insured created? - --Answers---To provide a
way that work-related injuries or illnesses could be
compensated for without the employer having a civil suit
brought against him by the injured employee. (WC.1)
, Worker's Compensation Insurance: What does WC insurance
cover? - --Answers---All work-related injuries or illnesses
regardless of fault. (WC.1)
Worker's Compensation Insurance: What are the 5 listed
"injuries covered" under WC insurance? (WC.6) - --Answers--
-(1) Bodily injury that arises out of employment or in the
course of employment
(2) Occupational disease that is unique to the occupation
(3) Bodily injury or illness that occurs on the premises of the
business or away from the business while performing work
duties
(4) Repetitive stress injuries
(5) May sometimes apply if a pre-existing physical condition is
made worse through the course of work duties
Worker's Compensation Insurance: What are the 6 listed
"injuries not covered" under WC insurance? - --Answers---
(1)Intentional injuries
(2) off-duty work-related or work-sponsored social, athletic or
recreational events unless participation is required by the
employer
(3) Mental or nervous injury due to fright or excitement only
(4) Injury arising from voluntary intoxication
(5) Injury caused by horseplay
(6) Diseases due to habitual drug and alcohol use
