Florida Claims Adjuster Exam – 6-20 All Lines License |
Latest Update 2026 | Exam Prep | Graded A+
1. If a new policy is introduced that changes the regulations surrounding workers'
compensation claims in Florida, which entity would be responsible for implementing
these changes?
The Department of Labor
The Department of Labor Security
The Department of Labor & Employment Security
The Division of Workers' Compensation of the Department of Financial
Services
2. An insurance adjuster adjusts claims on behalf of
the insurer the
insured the
policyowner the
applicant
3. Specify the Basic Limits of coverage in the CGL for medical payments.
$1,000 per person
$5,000 per person to aggregate limit.
$1,000 per person subject to aggregate limit
$5,000 per person
,4. Describe how workers' compensation laws apply when an employee is injured while
working in a different state than where they are employed.
Workers' compensation laws do not cover injuries that occur outside of the
employee's home state.
Workers' compensation laws may apply based on the employee's home state
or the state where the injury occurred, depending on specific regulations.
Workers' compensation laws only apply in the state where the employee is
permanently employed.
Workers' compensation laws are the same in every state regardless of where
the injury occurs.
5. Errors and Omissions claims are a result of?
Neither unethical behavior nor lack of knowledge or information are correct
Both unethical behavior and lack of knowledge or information are correct
Unethical behavior
Lack of knowledge or information
6. If an employee is found to have stolen company funds, which type of insurance would
cover the loss?
General Liability insurance
Employee Theft insurance
Property Damage insurance
Workers' Compensation insurance
7. Describe the significance of the discovery period in insurance policies.
The discovery period is irrelevant to the claims process in insurance.
, The discovery period allows policyholders to report losses that are identified
during the policy term or shortly after, ensuring they can seek coverage for
those losses.
The discovery period only applies to claims made after the policy has been
renewed.
The discovery period limits the types of losses that can be claimed under the
policy.
8. Describe the relationship between a claims adjuster and the insurance company they
represent.
A claims adjuster works independently to advocate for the customer's interests.
A claims adjuster is responsible for selling insurance policies to new clients.
A claims adjuster acts as a representative of the insurance company, tasked
with assessing claims and determining the company's liability.
A claims adjuster provides legal representation for the insurance company in
court.
9. If a state enacts new regulations affecting foreign insurers, what implications might
this have for an insurer based in another state?
The insurer will be exempt from all state regulations.
The insurer may need to comply with the new regulations to continue
operating in that state.
The insurer can ignore the regulations if they are not based in that state.
The insurer will automatically be granted a license to operate without changes.
10. Trailer interchange coverage is included in which commercial auto coverage?
, Motor carrier coverage form
Motor truck cargo policy
Truckers and motor carrier coverage forms
Truckers coverage form
11. Steve lives in Arizona, but visits Florida every year. Steve falls under the NoFault law
after:
30 days in FL
14 days in FL
90 days in FL
60 days in FL
12. Unethical behavior affects?
The claimant
The adjuster
The entire company
All of the above
13. All of the following are considered "Other Structures" under a Dwelling Policy
EXCEPT:
A detached garage with a utility line connected to the premises dwelling
A pump house
Latest Update 2026 | Exam Prep | Graded A+
1. If a new policy is introduced that changes the regulations surrounding workers'
compensation claims in Florida, which entity would be responsible for implementing
these changes?
The Department of Labor
The Department of Labor Security
The Department of Labor & Employment Security
The Division of Workers' Compensation of the Department of Financial
Services
2. An insurance adjuster adjusts claims on behalf of
the insurer the
insured the
policyowner the
applicant
3. Specify the Basic Limits of coverage in the CGL for medical payments.
$1,000 per person
$5,000 per person to aggregate limit.
$1,000 per person subject to aggregate limit
$5,000 per person
,4. Describe how workers' compensation laws apply when an employee is injured while
working in a different state than where they are employed.
Workers' compensation laws do not cover injuries that occur outside of the
employee's home state.
Workers' compensation laws may apply based on the employee's home state
or the state where the injury occurred, depending on specific regulations.
Workers' compensation laws only apply in the state where the employee is
permanently employed.
Workers' compensation laws are the same in every state regardless of where
the injury occurs.
5. Errors and Omissions claims are a result of?
Neither unethical behavior nor lack of knowledge or information are correct
Both unethical behavior and lack of knowledge or information are correct
Unethical behavior
Lack of knowledge or information
6. If an employee is found to have stolen company funds, which type of insurance would
cover the loss?
General Liability insurance
Employee Theft insurance
Property Damage insurance
Workers' Compensation insurance
7. Describe the significance of the discovery period in insurance policies.
The discovery period is irrelevant to the claims process in insurance.
, The discovery period allows policyholders to report losses that are identified
during the policy term or shortly after, ensuring they can seek coverage for
those losses.
The discovery period only applies to claims made after the policy has been
renewed.
The discovery period limits the types of losses that can be claimed under the
policy.
8. Describe the relationship between a claims adjuster and the insurance company they
represent.
A claims adjuster works independently to advocate for the customer's interests.
A claims adjuster is responsible for selling insurance policies to new clients.
A claims adjuster acts as a representative of the insurance company, tasked
with assessing claims and determining the company's liability.
A claims adjuster provides legal representation for the insurance company in
court.
9. If a state enacts new regulations affecting foreign insurers, what implications might
this have for an insurer based in another state?
The insurer will be exempt from all state regulations.
The insurer may need to comply with the new regulations to continue
operating in that state.
The insurer can ignore the regulations if they are not based in that state.
The insurer will automatically be granted a license to operate without changes.
10. Trailer interchange coverage is included in which commercial auto coverage?
, Motor carrier coverage form
Motor truck cargo policy
Truckers and motor carrier coverage forms
Truckers coverage form
11. Steve lives in Arizona, but visits Florida every year. Steve falls under the NoFault law
after:
30 days in FL
14 days in FL
90 days in FL
60 days in FL
12. Unethical behavior affects?
The claimant
The adjuster
The entire company
All of the above
13. All of the following are considered "Other Structures" under a Dwelling Policy
EXCEPT:
A detached garage with a utility line connected to the premises dwelling
A pump house
