Florida Adjuster Exam
To operate as an insurance agency in Florida an agency is
required to:
A. appoint at least two agents to manage the
agency
B. appoint the Office as its agent for service or
process
C. obtain a license or reg1strabon from
thehave
D. statetransacted insurance in Florida for at least two years before apply
for a license
correct answers C. obtain a license or registration from
the state
Owen's house is damaged when Latrice's car crashes into it. After Owen's
insurer
to repairpays
the house, the insurer tries to recover its costs from Latrice. What
provision in gives the insurer this
Owen's policy
right?
A.
subrogation
B. recovered
property
C.
assignment
C. loss settlement correct answers B. recovered
property?
Which activity would fall outside the definition of "farming" in the standard
farm liability
coverage
form?
A. Selling farm produce from a roadside
stand
B. Selling tee shirts at a farmer's market in
theCrop
C. city
dusting
D. Field Irrigation correct answers B. Selling tee shirts at a farmer's market
in the city?
Holly routinely charges her clients an extra amount in addition to the
premium
the stated
insurance In to cover her own personal administrative expenses.
policy
What is
about true
Holly's
actions?
A. They are
B. They are lawful if the client agrees in
lawful
writing
C. They are
unlawful
D. They are lawful in most cases correct answers C. They are
unlawful....?
Judith's engagement ring is stolen soon after she and her fiancé
cancelledplans.
wedding their Instead of paying Judith in cash, her homeowners
insurance
gives policy the
the insurer
right to:
A. assign recovery rights to her ex-
fiancé.
B. replace the missing
ring.
, C. annul the engagement in
writing.
D. deny coverage. correct answers B. replace the
missing ring.
Which is NOT a bodily injury for purposes of coverage by the business
auto policy
(BAP)?
A.
disease.
B.
death.
C. mental
trauma.
D. illness. correct answers C. mental
trauma.
A businessowners property coverage
applies to:
A. Business personal
property.
B. Real estate and
improvements.
C. Buildings
alone.
D. Buildings, business personal property, or both. correct answers D.
Buildings,
business personal property, or
both.
The purpose of uninsured motorists
coverage is to:
A. protect insureds from drivers who have no auto liability
insurance
B. protect uninsured divers from claims for
bodily
C. injury
protect uninsured drivers from claims for damage to their
own
D. autos insureds from drivers with inadequate limits of auto liability
protect
insuranceA. correct
answers protect insureds from drivers who have no auto liability
insurance.....?
Which is NOT considered equipment under the equipment breakdown
coverage form?
A. electric
B. vacuum
motors
tank
C.
computers
D. laboratory beakers correct answers D. laboratory
beakers...?
A contractor hires 15-year-old Kevin as a part-time employee to cut lumber,
knowing
law does the
not permit Kevin to work near power tools because of his
age. Kevin cuts his finger off while using a power saw. The liability
accidentally
coverage of the
contractor's workers compensation and employers liability
insurance policy:
A. covers the claim for injuries and any resulting punitive
damages.
B. does not cover this claim because it involves
intentional
C. injury.
covers this claim, because Kevin was an employee injured on
thedoes
D. job. not cover this claim because the contractor knew it employed Kevin
in violation
of the law. correct answers D. does not cover this claim because the
contractor Kevin
employed knew init violation of the
law.
To operate as an insurance agency in Florida an agency is
required to:
A. appoint at least two agents to manage the
agency
B. appoint the Office as its agent for service or
process
C. obtain a license or reg1strabon from
thehave
D. statetransacted insurance in Florida for at least two years before apply
for a license
correct answers C. obtain a license or registration from
the state
Owen's house is damaged when Latrice's car crashes into it. After Owen's
insurer
to repairpays
the house, the insurer tries to recover its costs from Latrice. What
provision in gives the insurer this
Owen's policy
right?
A.
subrogation
B. recovered
property
C.
assignment
C. loss settlement correct answers B. recovered
property?
Which activity would fall outside the definition of "farming" in the standard
farm liability
coverage
form?
A. Selling farm produce from a roadside
stand
B. Selling tee shirts at a farmer's market in
theCrop
C. city
dusting
D. Field Irrigation correct answers B. Selling tee shirts at a farmer's market
in the city?
Holly routinely charges her clients an extra amount in addition to the
premium
the stated
insurance In to cover her own personal administrative expenses.
policy
What is
about true
Holly's
actions?
A. They are
B. They are lawful if the client agrees in
lawful
writing
C. They are
unlawful
D. They are lawful in most cases correct answers C. They are
unlawful....?
Judith's engagement ring is stolen soon after she and her fiancé
cancelledplans.
wedding their Instead of paying Judith in cash, her homeowners
insurance
gives policy the
the insurer
right to:
A. assign recovery rights to her ex-
fiancé.
B. replace the missing
ring.
, C. annul the engagement in
writing.
D. deny coverage. correct answers B. replace the
missing ring.
Which is NOT a bodily injury for purposes of coverage by the business
auto policy
(BAP)?
A.
disease.
B.
death.
C. mental
trauma.
D. illness. correct answers C. mental
trauma.
A businessowners property coverage
applies to:
A. Business personal
property.
B. Real estate and
improvements.
C. Buildings
alone.
D. Buildings, business personal property, or both. correct answers D.
Buildings,
business personal property, or
both.
The purpose of uninsured motorists
coverage is to:
A. protect insureds from drivers who have no auto liability
insurance
B. protect uninsured divers from claims for
bodily
C. injury
protect uninsured drivers from claims for damage to their
own
D. autos insureds from drivers with inadequate limits of auto liability
protect
insuranceA. correct
answers protect insureds from drivers who have no auto liability
insurance.....?
Which is NOT considered equipment under the equipment breakdown
coverage form?
A. electric
B. vacuum
motors
tank
C.
computers
D. laboratory beakers correct answers D. laboratory
beakers...?
A contractor hires 15-year-old Kevin as a part-time employee to cut lumber,
knowing
law does the
not permit Kevin to work near power tools because of his
age. Kevin cuts his finger off while using a power saw. The liability
accidentally
coverage of the
contractor's workers compensation and employers liability
insurance policy:
A. covers the claim for injuries and any resulting punitive
damages.
B. does not cover this claim because it involves
intentional
C. injury.
covers this claim, because Kevin was an employee injured on
thedoes
D. job. not cover this claim because the contractor knew it employed Kevin
in violation
of the law. correct answers D. does not cover this claim because the
contractor Kevin
employed knew init violation of the
law.
