1
Florida Property & Casualty Insurance Exam Practice
Questions Advanced / Hard / Mixed Difficulty Target Audience:
Insurance Licensing Candidates, Agents, and Adjusters
100% Pass Guaranteed | Graded A+
Question 1
According to the Florida Insurance Code, under what circumstances may an insurer transact
insurance in the state of Florida without a certificate of authority?
A. When the insurer is licensed in a neighboring state and the policyholder is a Florida resident
B. When the insurer is a surplus lines carrier and the coverage is not available from authorized
insurers
C. When the insurer holds a valid certificate of authority issued by the Florida Office of
Insurance Regulation
D. When the insurer is transacting reinsurance only
☑ Correct Answer: D
☑ Explanation: F.S. 624.401 states that no insurer shall transact insurance in this state
except as authorized by a subsisting certificate of authority, except as to such transactions as
are expressly otherwise provided for in this code. Reinsurance transactions are typically exempt
,2
from this requirement. The exception in the statute is critical—reinsurance and other specified
exempt transactions do not require a certificate of authority .
Question 2
What is the minimum passing score required for the Florida General Lines (2-20) Property and
Casualty Insurance Exam?
A. 60%
B. 65%
C. 70%
D. 75%
☑ Correct Answer: C
☑ Explanation: The Florida insurance exam requires a 70% score to pass, as administered
by Pearson VUE for the Florida Department of Financial Services. This passing standard applies
across multiple license types, including the 2-20 General Lines P&C exam .
,3
Question 3
What is the maximum number of scored questions on the Florida General Lines (2-20) Property
and Casualty Exam?
A. 100
B. 150
C. ~170
D. 200
☑ Correct Answer: C
☑ Explanation: The Florida General Lines (2-20) exam consists of approximately 170
scored questions, with a 3-hour 15-minute time limit. This is one of the larger licensing exams in
the state, requiring extensive pre-licensing study of 200 hours .
Question 4
Which Florida statute requires every insurer to have a certificate of authority before transacting
insurance in the state?
A. F.S. 624.401
B. F.S. 627.0621
, 4
C. F.S. 627.0651
D. F.S. 624.460
☑ Correct Answer: A
☑ Explanation: F.S. 624.401 is the certificate of authority requirement statute, stating that
no person shall act as an insurer except as authorized by a subsisting certificate of authority
issued to the insurer by the office. This is a foundational requirement in the Florida Insurance
Code .
Question 5
A person acts as an insurer in Florida without a certificate of authority and collects $50,000 in
premiums. Under F.S. 624.401, what is the penalty?
A. A misdemeanor with a $5,000 fine
B. A felony of the third degree with a minimum term of 1 year imprisonment
C. A felony of the second degree with a minimum term of 18 months imprisonment
D. A felony of the first degree with a minimum term of 2 years imprisonment
Florida Property & Casualty Insurance Exam Practice
Questions Advanced / Hard / Mixed Difficulty Target Audience:
Insurance Licensing Candidates, Agents, and Adjusters
100% Pass Guaranteed | Graded A+
Question 1
According to the Florida Insurance Code, under what circumstances may an insurer transact
insurance in the state of Florida without a certificate of authority?
A. When the insurer is licensed in a neighboring state and the policyholder is a Florida resident
B. When the insurer is a surplus lines carrier and the coverage is not available from authorized
insurers
C. When the insurer holds a valid certificate of authority issued by the Florida Office of
Insurance Regulation
D. When the insurer is transacting reinsurance only
☑ Correct Answer: D
☑ Explanation: F.S. 624.401 states that no insurer shall transact insurance in this state
except as authorized by a subsisting certificate of authority, except as to such transactions as
are expressly otherwise provided for in this code. Reinsurance transactions are typically exempt
,2
from this requirement. The exception in the statute is critical—reinsurance and other specified
exempt transactions do not require a certificate of authority .
Question 2
What is the minimum passing score required for the Florida General Lines (2-20) Property and
Casualty Insurance Exam?
A. 60%
B. 65%
C. 70%
D. 75%
☑ Correct Answer: C
☑ Explanation: The Florida insurance exam requires a 70% score to pass, as administered
by Pearson VUE for the Florida Department of Financial Services. This passing standard applies
across multiple license types, including the 2-20 General Lines P&C exam .
,3
Question 3
What is the maximum number of scored questions on the Florida General Lines (2-20) Property
and Casualty Exam?
A. 100
B. 150
C. ~170
D. 200
☑ Correct Answer: C
☑ Explanation: The Florida General Lines (2-20) exam consists of approximately 170
scored questions, with a 3-hour 15-minute time limit. This is one of the larger licensing exams in
the state, requiring extensive pre-licensing study of 200 hours .
Question 4
Which Florida statute requires every insurer to have a certificate of authority before transacting
insurance in the state?
A. F.S. 624.401
B. F.S. 627.0621
, 4
C. F.S. 627.0651
D. F.S. 624.460
☑ Correct Answer: A
☑ Explanation: F.S. 624.401 is the certificate of authority requirement statute, stating that
no person shall act as an insurer except as authorized by a subsisting certificate of authority
issued to the insurer by the office. This is a foundational requirement in the Florida Insurance
Code .
Question 5
A person acts as an insurer in Florida without a certificate of authority and collects $50,000 in
premiums. Under F.S. 624.401, what is the penalty?
A. A misdemeanor with a $5,000 fine
B. A felony of the third degree with a minimum term of 1 year imprisonment
C. A felony of the second degree with a minimum term of 18 months imprisonment
D. A felony of the first degree with a minimum term of 2 years imprisonment
