220 Exam Florida Statutes Comprehensive
Test Questions and Answers Verified
Solutions Latest Update 2026/2027
Question:
Part I - Workers' Compensation.
Answer:
Follows state law; covers medical expenses and lost wages for work-related injuries.
Question:
Part II - Employers' Liability.
Answer:
Protects against lawsuits not covered under Part I.
Question:
Dual Capacity.
Answer:
Employer has multiple legal relationships.
Question:
Action Over.
Answer:
Third party sues employer after paying damages.
Question:
Consequential Damage.
,Answer:
Family sues for their loss.
Question:
Minimum Limits.
Answer:
$100,000 per accident, $100,000 per employee per disease, $500,000 policy limit.
Question:
Part III - Other States.
Answer:
Provides automatic coverage in other states listed in policy.
Question:
General Contractors.
Answer:
Must ensure subcontractors have WC.
Question:
Special Federal Programs.
Answer:
Include Federal Employers Liability Act (railroad), Longshore and Harbor Workers' Act, and Jones
Act (seamen).
Question:
Employers Must Pay If WC Not Purchased.
Answer:
Even if not required to buy WC, employer must pay benefits by law if employee is injured.
,Question:
Penalties for No WC.
Answer:
Third-degree felony for not having required coverage.
Question:
Stop-work order.
Answer:
A penalty for not having required coverage.
Question:
$1,000 or 2x premium fine.
Answer:
A penalty for not having required coverage.
Question:
WC Benefits.
Answer:
Includes Medical Benefits, Disability Benefits, and Death Benefits.
Question:
7-day waiting period.
Answer:
Before benefits start.
Question:
Death Benefits.
, Answer:
Funeral expenses up to $7,500 and dependent benefits up to $150,000.
Question:
Reduction in Benefits.
Answer:
If an employee refuses safety devices, benefits reduced by 25%.
Question:
Premium Determination.
Answer:
Premiums calculated per $100 of payroll.
Question:
Factors for Premiums.
Answer:
Include Experience Modification and Retrospective Rating Plans.
Question:
Cancellation Notice.
Answer:
Policy <90 days: 30-day notice; Policy >90 days: 45-day notice.
Question:
FWCJUA.
Answer:
State-created market if coverage can't be secured.
Test Questions and Answers Verified
Solutions Latest Update 2026/2027
Question:
Part I - Workers' Compensation.
Answer:
Follows state law; covers medical expenses and lost wages for work-related injuries.
Question:
Part II - Employers' Liability.
Answer:
Protects against lawsuits not covered under Part I.
Question:
Dual Capacity.
Answer:
Employer has multiple legal relationships.
Question:
Action Over.
Answer:
Third party sues employer after paying damages.
Question:
Consequential Damage.
,Answer:
Family sues for their loss.
Question:
Minimum Limits.
Answer:
$100,000 per accident, $100,000 per employee per disease, $500,000 policy limit.
Question:
Part III - Other States.
Answer:
Provides automatic coverage in other states listed in policy.
Question:
General Contractors.
Answer:
Must ensure subcontractors have WC.
Question:
Special Federal Programs.
Answer:
Include Federal Employers Liability Act (railroad), Longshore and Harbor Workers' Act, and Jones
Act (seamen).
Question:
Employers Must Pay If WC Not Purchased.
Answer:
Even if not required to buy WC, employer must pay benefits by law if employee is injured.
,Question:
Penalties for No WC.
Answer:
Third-degree felony for not having required coverage.
Question:
Stop-work order.
Answer:
A penalty for not having required coverage.
Question:
$1,000 or 2x premium fine.
Answer:
A penalty for not having required coverage.
Question:
WC Benefits.
Answer:
Includes Medical Benefits, Disability Benefits, and Death Benefits.
Question:
7-day waiting period.
Answer:
Before benefits start.
Question:
Death Benefits.
, Answer:
Funeral expenses up to $7,500 and dependent benefits up to $150,000.
Question:
Reduction in Benefits.
Answer:
If an employee refuses safety devices, benefits reduced by 25%.
Question:
Premium Determination.
Answer:
Premiums calculated per $100 of payroll.
Question:
Factors for Premiums.
Answer:
Include Experience Modification and Retrospective Rating Plans.
Question:
Cancellation Notice.
Answer:
Policy <90 days: 30-day notice; Policy >90 days: 45-day notice.
Question:
FWCJUA.
Answer:
State-created market if coverage can't be secured.
