FLORIDA GENERAL LINES 2025/2026 QUESTIONS AND
SOLUTIONS GRADED A+
✔✔The following are requirements for a building to covered on a replacement cost
basis except?
a.The building must be insured for at least 80% or the building replacement cost
b.The insured must live on the premises at least 80% of the time during the year
c.The building must be a 1 family residence
d.All are requirements - ✔✔d
✔✔What is the pre-notification Florida requirements for an insurer termination of a CGL
policy? - ✔✔20 days for cancellation (within the first 90 days of coverage), 45 days for
non-renewal (after the first 90 days of coverage) and 10 days for termination due to
non-payment of premiums.
✔✔The following are primary liability coverages under part A of the commercial general
liability (CGL) policy except?
a.Premises and operations liability coverages
b.All are primary coverages
c.Liability resulting from faulty workmanship (Completed operations liability)
d.Liability resulting from defective products (Products liability) - ✔✔b
✔✔A customer was injured from a condition that existed on the premises of an insured's
business. What CGL coverage would protect the business owner should the customer
sue for legal damages? - ✔✔The premises liability coverage.
✔✔A homeowner hired a contractor to installed carpet and his son was injured during
the installation of the carpet. What CGL coverage would protect the contractor if the
homeowner sued for the injury of his son?
a.The operations liability coverage
b.The products liability coverage
c.The premises liability coverage
d.The completed operations liability coverage - ✔✔b
✔✔A person was injured due to tainted food delivered at his home by a restaurant.
What CGL coverage would cover the restaurant owner should the person sue for legal
damages? - ✔✔The product liability coverage.
✔✔A person was injured from gas escaping from a gas pipe after a contractor installed
a gas heater. What CGL coverage would cover the contractor should the person sue for
legal damages? - ✔✔The completed operations liability coverage
, ✔✔A contractor's employee fell off a roof he was repairing for the contractor and was
injured. What CGL coverage would respond to the worker's injury? - ✔✔No CGL
coverage would respond to employee injuries
✔✔What type of liability is related to a person being held legally liable for negligence of
others acting within authority granted to them such as employees and hired agents? -
✔✔vicarious liability
✔✔A contractor hired a subcontractor and the subcontractor negligently left a pit open
at the job site and a child fell in the hole and was injured. Would the contractor be held
liable for the negligence of the subcontractor? - ✔✔The contractor would be held legally
liability for the actions of any employee under the vicarious liability law.
✔✔What CGL coverage form provides (triggers) coverage for losses that occur during
the policy period regardless of any latter time the claim for the losses is made?
a.The occurrence coverage form
b.The loss sustained coverage form
c.The claims made coverage form
d.The discovery coverage form - ✔✔a
✔✔What CGL coverage form provides (triggers) coverage for losses that occur and
reported to the insurer within the policy period or reported within 60 days (basic
extended reported period) after the policy terminates? - ✔✔The claims made coverage
form
✔✔An insured has 2 CGL policies on an occurrence basis. Policy A coverage was from
1/1/2011 to 12/31/2011. Policy B was from 1/1/2012 to 12/31/2012. A loss occurred on
12/01/2011 and reported to the insurer on 1/15/2012. What policy would cover the loss?
- ✔✔Policy A would cover the loss as it occurred during its policy period of 1/1/2011 to
12/31/2011.
✔✔There are 2 CGL policies on a claims made basis. Policy A coverage from 1/1/2011
to 12/31/2011. Policy B from 1/1/2012 to 12/31/2012. A loss occurred on 12/01/2011
and reported on 1/15/2012. What policy would cover the loss form? - ✔✔Policy A would
cover the loss as it occurred during its policy period and reported to the insurer within
the 60 days basic extended reporting period which would end on 3/1/2012.
✔✔What option is available under the claims made policy that would cover losses that
occur prior to the effected date of the policy and reported to the insured during the
policy period or within the 60 days basic extended reporting period? - ✔✔The
retroactive date coverage option.
SOLUTIONS GRADED A+
✔✔The following are requirements for a building to covered on a replacement cost
basis except?
a.The building must be insured for at least 80% or the building replacement cost
b.The insured must live on the premises at least 80% of the time during the year
c.The building must be a 1 family residence
d.All are requirements - ✔✔d
✔✔What is the pre-notification Florida requirements for an insurer termination of a CGL
policy? - ✔✔20 days for cancellation (within the first 90 days of coverage), 45 days for
non-renewal (after the first 90 days of coverage) and 10 days for termination due to
non-payment of premiums.
✔✔The following are primary liability coverages under part A of the commercial general
liability (CGL) policy except?
a.Premises and operations liability coverages
b.All are primary coverages
c.Liability resulting from faulty workmanship (Completed operations liability)
d.Liability resulting from defective products (Products liability) - ✔✔b
✔✔A customer was injured from a condition that existed on the premises of an insured's
business. What CGL coverage would protect the business owner should the customer
sue for legal damages? - ✔✔The premises liability coverage.
✔✔A homeowner hired a contractor to installed carpet and his son was injured during
the installation of the carpet. What CGL coverage would protect the contractor if the
homeowner sued for the injury of his son?
a.The operations liability coverage
b.The products liability coverage
c.The premises liability coverage
d.The completed operations liability coverage - ✔✔b
✔✔A person was injured due to tainted food delivered at his home by a restaurant.
What CGL coverage would cover the restaurant owner should the person sue for legal
damages? - ✔✔The product liability coverage.
✔✔A person was injured from gas escaping from a gas pipe after a contractor installed
a gas heater. What CGL coverage would cover the contractor should the person sue for
legal damages? - ✔✔The completed operations liability coverage
, ✔✔A contractor's employee fell off a roof he was repairing for the contractor and was
injured. What CGL coverage would respond to the worker's injury? - ✔✔No CGL
coverage would respond to employee injuries
✔✔What type of liability is related to a person being held legally liable for negligence of
others acting within authority granted to them such as employees and hired agents? -
✔✔vicarious liability
✔✔A contractor hired a subcontractor and the subcontractor negligently left a pit open
at the job site and a child fell in the hole and was injured. Would the contractor be held
liable for the negligence of the subcontractor? - ✔✔The contractor would be held legally
liability for the actions of any employee under the vicarious liability law.
✔✔What CGL coverage form provides (triggers) coverage for losses that occur during
the policy period regardless of any latter time the claim for the losses is made?
a.The occurrence coverage form
b.The loss sustained coverage form
c.The claims made coverage form
d.The discovery coverage form - ✔✔a
✔✔What CGL coverage form provides (triggers) coverage for losses that occur and
reported to the insurer within the policy period or reported within 60 days (basic
extended reported period) after the policy terminates? - ✔✔The claims made coverage
form
✔✔An insured has 2 CGL policies on an occurrence basis. Policy A coverage was from
1/1/2011 to 12/31/2011. Policy B was from 1/1/2012 to 12/31/2012. A loss occurred on
12/01/2011 and reported to the insurer on 1/15/2012. What policy would cover the loss?
- ✔✔Policy A would cover the loss as it occurred during its policy period of 1/1/2011 to
12/31/2011.
✔✔There are 2 CGL policies on a claims made basis. Policy A coverage from 1/1/2011
to 12/31/2011. Policy B from 1/1/2012 to 12/31/2012. A loss occurred on 12/01/2011
and reported on 1/15/2012. What policy would cover the loss form? - ✔✔Policy A would
cover the loss as it occurred during its policy period and reported to the insurer within
the 60 days basic extended reporting period which would end on 3/1/2012.
✔✔What option is available under the claims made policy that would cover losses that
occur prior to the effected date of the policy and reported to the insured during the
policy period or within the 60 days basic extended reporting period? - ✔✔The
retroactive date coverage option.
