ADJUSTER PRO: INDIANA ADJUSTER'S
LICENSE EXAM 2025 QUESTIONS AND
ANSWERS
On January 27, 2008, Ryan was using an exercise bike purchased from NusquamCycle when the
chain broke, causing him to fall and severely bruise his knee. It seemed to heal just fine, but
three years later, on January 25, 2011, Ryan's knee gave out while jogging. His doctor told him
that he'll need surgery and that this deterioration resulted from the earlier accident with the
exercise bike. Which of the following CGL policies may cover Ryan's claim filed January 25,
2011?
A. An occurrence policy from Jan 31 2011-Jan 31 2013
B. An occurrence policy from Feb 28 2008-Feb 28 2010
C. A claims-made policy from Jan 31 2008-Jan 31 2010
D. A claims-made policy from Jan 31 2009-Jan 31 2011 - ANS D
Which of the following statements about Indiana's approach to Workers' Comp insurance is
true?
A. WC is compulsory, and Indiana has no state WC fund.
B. WC is elective, and Indiana has no state WC fund.
C. WC is elective, and Indiana has a competitive state WC fund.
D. WC is compulsory, and Indiana has a monopolistic state WC fund. - ANS A
Who is NOT eligible for a homeowners policy?
A. An owner of a home under construction
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, B. A person who owns and lives in his house
C. A tenant who rents a home or apartment
D. An owner of a house in which he does not live, but rents to a tenant - ANS D
Frank owns a bakery specializing in authentic French bread. He uses two specialty ovens for his
daily production of French bread. If one of these giant ovens were to break down, it would cost
Frank's bakery a lot of money to repair, not to mention the loss of revenue caused by lower
production. On his Equipment Breakdown Protection Form, each of Frank's ovens would be
considered:
A. a "peril."
B. an "object."
C. a "machine."
D. a "liability." - ANS B
A dwelling policy would NOT be appropriate for:
A. a duplex owned by an individual.
B. a single-family home wholly rented out.
C. a four-plex owned by a corporation.
D. a motorhome owned by an individual. - ANS D
*Jane has a $150,000 homeowners policy with a 3% percentage deductible. One night, an oven
fire destroys her kitchen, causing $50,000 in damage. How much of the damage falls under
Jane's responsibility?
A. $4,500
B. $15,000
C. $3,600
D. $1,500 - ANS A
Copyright ©2025 BRIGHTSTARS ALL RIGHTS RESERVED 2
LICENSE EXAM 2025 QUESTIONS AND
ANSWERS
On January 27, 2008, Ryan was using an exercise bike purchased from NusquamCycle when the
chain broke, causing him to fall and severely bruise his knee. It seemed to heal just fine, but
three years later, on January 25, 2011, Ryan's knee gave out while jogging. His doctor told him
that he'll need surgery and that this deterioration resulted from the earlier accident with the
exercise bike. Which of the following CGL policies may cover Ryan's claim filed January 25,
2011?
A. An occurrence policy from Jan 31 2011-Jan 31 2013
B. An occurrence policy from Feb 28 2008-Feb 28 2010
C. A claims-made policy from Jan 31 2008-Jan 31 2010
D. A claims-made policy from Jan 31 2009-Jan 31 2011 - ANS D
Which of the following statements about Indiana's approach to Workers' Comp insurance is
true?
A. WC is compulsory, and Indiana has no state WC fund.
B. WC is elective, and Indiana has no state WC fund.
C. WC is elective, and Indiana has a competitive state WC fund.
D. WC is compulsory, and Indiana has a monopolistic state WC fund. - ANS A
Who is NOT eligible for a homeowners policy?
A. An owner of a home under construction
Copyright ©2025 BRIGHTSTARS ALL RIGHTS RESERVED 1
, B. A person who owns and lives in his house
C. A tenant who rents a home or apartment
D. An owner of a house in which he does not live, but rents to a tenant - ANS D
Frank owns a bakery specializing in authentic French bread. He uses two specialty ovens for his
daily production of French bread. If one of these giant ovens were to break down, it would cost
Frank's bakery a lot of money to repair, not to mention the loss of revenue caused by lower
production. On his Equipment Breakdown Protection Form, each of Frank's ovens would be
considered:
A. a "peril."
B. an "object."
C. a "machine."
D. a "liability." - ANS B
A dwelling policy would NOT be appropriate for:
A. a duplex owned by an individual.
B. a single-family home wholly rented out.
C. a four-plex owned by a corporation.
D. a motorhome owned by an individual. - ANS D
*Jane has a $150,000 homeowners policy with a 3% percentage deductible. One night, an oven
fire destroys her kitchen, causing $50,000 in damage. How much of the damage falls under
Jane's responsibility?
A. $4,500
B. $15,000
C. $3,600
D. $1,500 - ANS A
Copyright ©2025 BRIGHTSTARS ALL RIGHTS RESERVED 2
