FLORIDA PUBLIC ADJUSTER STATE TEST FINAL
PAPER 2026 QUESTIONS WITH SOLUTIONS
GRADED A+
◉ Which of the following losses would be excluded from coverage
under a personal articles folder? Answer: A rat slipped inside a golf
bag before it was packaged for shipping and chewed several holes in
the bag before it arrived at its destination
◉ Which of the following best describes inland marine insurance?
Answer: Insurance designed to protect property being transported
on land and property related to transportation
◉ Coast-to-Coast Trucking is in the business of transporting fresh
produce from farmers to markets all across the U.S. Which type of
inland marine policy would best protect Coast-to-Coast Trucking's
interest in the produce that it ships? Answer: Motor Truck Cargo
Policy
◉ John, a contractor, just purchased a new backhoe and wants to get
an insurance policy to cover it. He's looking for a policy that will
provide coverage not only on the job site, but also while transporting
it back and forth between sites. What type of inland marine
insurance policy would likely fit John's needs? Answer: Contractors
equipment floater
,◉ Babette crosses the street and is struck by a car, causing her to
sustain injuries in the amount of $45,000. The driver has minimum
coverage. Which coverage section of Babette's auto policy could help
pay for her medical costs? Answer: Part B: Medical Payments
◉ Norris borrows Arnold's truck to pick up some lumber from the
hardware store. On the way to the store, Norris collides with a car,
injuring the three people inside. The driver suffers $15,000 in
injuries, one passenger suffers $25,000, and the other passenger
suffers $20,000. Norris has a PAP with liability limits of 50/100/50,
and Arnold's policy has liability limits of 25/50/10. Everyone
involved in the accident has minimum PIP coverage for Florida.How
much will the primary policy pay for the injuries? Answer: $30,000
◉ In which case with the insured be indemnified by her auto liability
coverage? Answer: She has to pay a fee to retrieve relevant court
documents
◉ Wendy hires Jim to build an addition to her house. Jim takes the
job and finishes it in good time. Unfortunately, as Wendy is walking
across the threshold of the new addition, a floorboard gives way and
Wendy falls into the crawl-space below, injuring her leg and back.
Which commercial general liability coverage could help cover the
cost of Wendy's injuries? Answer: Completed operations liability
, ◉ Nancy and Drew borrow Joe's car so they can have a picnic at the
old water tower. On their way to the picnic, Drew accidentally rear-
ends Mr. Jackley, causing $2,900 in damage. Whose liability
insurance will pay first for the damages? Answer: Joe's
◉ Randy owns a clothing store. One day, he notices a shady
character with a backpack who is hanging around acting nervous.
Randy becomes suspicious and approaches the young man. As the
boy makes an effort to avoid him, Randy grabs his arm and detains
him until the police arrive. Not finding any stolen merchandise, the
police let the boy go. Two weeks later Randy is notified that he will
be sued for violation of the young man's civil rights. This is an
example of what type of personal injury covered under Randy's
Commercial General Liability policy? Answer: False Arrest,
Detention, or Imprisonment
◉ Jerome was shopping at ABC Imports when a light fixture fell from
the ceiling and hit him on the head. Jerome's injuries resulted in an
extended hospital stay, so he sued ABC Imports and was awarded
$400,000. Assuming ABC Imports carries a CGL with a General
Aggregate of $750,000 and a per occurrence limit of $250,000, what
is the maximum that ABC's insurer will pay for Jerome's injuries?
Answer: $250,000
◉ When is a self-insured retention applied in an umbrella policy?
Answer: When the umbrella policy covers a loss that is excluded by
primary policies
PAPER 2026 QUESTIONS WITH SOLUTIONS
GRADED A+
◉ Which of the following losses would be excluded from coverage
under a personal articles folder? Answer: A rat slipped inside a golf
bag before it was packaged for shipping and chewed several holes in
the bag before it arrived at its destination
◉ Which of the following best describes inland marine insurance?
Answer: Insurance designed to protect property being transported
on land and property related to transportation
◉ Coast-to-Coast Trucking is in the business of transporting fresh
produce from farmers to markets all across the U.S. Which type of
inland marine policy would best protect Coast-to-Coast Trucking's
interest in the produce that it ships? Answer: Motor Truck Cargo
Policy
◉ John, a contractor, just purchased a new backhoe and wants to get
an insurance policy to cover it. He's looking for a policy that will
provide coverage not only on the job site, but also while transporting
it back and forth between sites. What type of inland marine
insurance policy would likely fit John's needs? Answer: Contractors
equipment floater
,◉ Babette crosses the street and is struck by a car, causing her to
sustain injuries in the amount of $45,000. The driver has minimum
coverage. Which coverage section of Babette's auto policy could help
pay for her medical costs? Answer: Part B: Medical Payments
◉ Norris borrows Arnold's truck to pick up some lumber from the
hardware store. On the way to the store, Norris collides with a car,
injuring the three people inside. The driver suffers $15,000 in
injuries, one passenger suffers $25,000, and the other passenger
suffers $20,000. Norris has a PAP with liability limits of 50/100/50,
and Arnold's policy has liability limits of 25/50/10. Everyone
involved in the accident has minimum PIP coverage for Florida.How
much will the primary policy pay for the injuries? Answer: $30,000
◉ In which case with the insured be indemnified by her auto liability
coverage? Answer: She has to pay a fee to retrieve relevant court
documents
◉ Wendy hires Jim to build an addition to her house. Jim takes the
job and finishes it in good time. Unfortunately, as Wendy is walking
across the threshold of the new addition, a floorboard gives way and
Wendy falls into the crawl-space below, injuring her leg and back.
Which commercial general liability coverage could help cover the
cost of Wendy's injuries? Answer: Completed operations liability
, ◉ Nancy and Drew borrow Joe's car so they can have a picnic at the
old water tower. On their way to the picnic, Drew accidentally rear-
ends Mr. Jackley, causing $2,900 in damage. Whose liability
insurance will pay first for the damages? Answer: Joe's
◉ Randy owns a clothing store. One day, he notices a shady
character with a backpack who is hanging around acting nervous.
Randy becomes suspicious and approaches the young man. As the
boy makes an effort to avoid him, Randy grabs his arm and detains
him until the police arrive. Not finding any stolen merchandise, the
police let the boy go. Two weeks later Randy is notified that he will
be sued for violation of the young man's civil rights. This is an
example of what type of personal injury covered under Randy's
Commercial General Liability policy? Answer: False Arrest,
Detention, or Imprisonment
◉ Jerome was shopping at ABC Imports when a light fixture fell from
the ceiling and hit him on the head. Jerome's injuries resulted in an
extended hospital stay, so he sued ABC Imports and was awarded
$400,000. Assuming ABC Imports carries a CGL with a General
Aggregate of $750,000 and a per occurrence limit of $250,000, what
is the maximum that ABC's insurer will pay for Jerome's injuries?
Answer: $250,000
◉ When is a self-insured retention applied in an umbrella policy?
Answer: When the umbrella policy covers a loss that is excluded by
primary policies
