Florida Public Adjuster State Test (Subset
General Property Insurance) questions and
answers 2026\2027 A+ Grade
Florida No-Fault Tort Exemption
- correct answer Those who comply with the law are granted limited immunity from suits of others
through PIP coverage.
4 Exceptions to Tort Exemption(Threshold of No-Fault)
- correct answer 1. Significant and Permanent loss of bodily function.
2.Permanent injury other than scarring and disfigurement.
3.Significant and Permanent scarring or disfigurement.
4.Death
What does NFIP stand for?
- correct answer National Flood Insurance Program
Form SR-22
- correct answer Drivers Convicted of DUI or a traffic felony over the prior 3 years are required to have
100/300/50 coverage or a certificate of self insurance of $350,000.
Contents of a CGL Contract
- correct answer 1.Declarations Form
2.Common Policy Conditions Form
3. One of:
A.Occurrence Form
B.Claims Made Form
4.Nuclear Energy Liability Exclusion Endorsement.
, Declarations of a CGL Contract(4)
- correct answer 1.Named Insured(including address)
2.Policy Period
3.Premium
4.Limits of Coverage
7 Common CGL Conditions
- correct answer 1.Cancellation(30 Days by insurer option, 10 Days By no payment).
2.Changes
3.Examination of Books
4.Inspections and Surveys
5.Premiums
6.Transfer
7.Nuclear Endorsement
CGL Coverage A
- correct answer Bodily Injury and Property Damage Insuring Agreement
The 3 Conditions that define work as "completed"
- correct answer 1.When all work called for in the contract is completed.
2.When all work to be done at the site has been completed if one contract calls for work at more than
one site.
3.When that part of the work done at a job site has been put to its intended use by any person or
organization other than another contractor or subcontractor.
Occurance
- correct answer An accident, including continuous or repeated exposure to substantially the same
general harmful conditions.
accident
- correct answer Sudden, unexpected event
General Property Insurance) questions and
answers 2026\2027 A+ Grade
Florida No-Fault Tort Exemption
- correct answer Those who comply with the law are granted limited immunity from suits of others
through PIP coverage.
4 Exceptions to Tort Exemption(Threshold of No-Fault)
- correct answer 1. Significant and Permanent loss of bodily function.
2.Permanent injury other than scarring and disfigurement.
3.Significant and Permanent scarring or disfigurement.
4.Death
What does NFIP stand for?
- correct answer National Flood Insurance Program
Form SR-22
- correct answer Drivers Convicted of DUI or a traffic felony over the prior 3 years are required to have
100/300/50 coverage or a certificate of self insurance of $350,000.
Contents of a CGL Contract
- correct answer 1.Declarations Form
2.Common Policy Conditions Form
3. One of:
A.Occurrence Form
B.Claims Made Form
4.Nuclear Energy Liability Exclusion Endorsement.
, Declarations of a CGL Contract(4)
- correct answer 1.Named Insured(including address)
2.Policy Period
3.Premium
4.Limits of Coverage
7 Common CGL Conditions
- correct answer 1.Cancellation(30 Days by insurer option, 10 Days By no payment).
2.Changes
3.Examination of Books
4.Inspections and Surveys
5.Premiums
6.Transfer
7.Nuclear Endorsement
CGL Coverage A
- correct answer Bodily Injury and Property Damage Insuring Agreement
The 3 Conditions that define work as "completed"
- correct answer 1.When all work called for in the contract is completed.
2.When all work to be done at the site has been completed if one contract calls for work at more than
one site.
3.When that part of the work done at a job site has been put to its intended use by any person or
organization other than another contractor or subcontractor.
Occurance
- correct answer An accident, including continuous or repeated exposure to substantially the same
general harmful conditions.
accident
- correct answer Sudden, unexpected event
