1|Page
Texas All Lines Adjuster Exam 2025/2026 – 200+
Questions with Verified Answers (Newly Updated)||
VERIFIED EXAM|| LATEST EXAM!!!
All of the following are criteria for an accident to have
occurred "in the course of" the employment under a
workers' compensation policy, EXCEPT: - Answer-While
performing a task that a fellow worker requested, that was
unusual to the employee's job description, but occurred on
the employer's premises during working hours.
Which of the following statements is NOT TRUE regarding
the implied warranties of an Ocean Marine policy? -
Answer-The implied warranties are attached to the policy
as an endorsement..
Parmelia is covered under two separate standardized
Personal Automobile policies, with Part C limits under both
policies set at $200,000. Parmelia is involved in an
accident with an uninsured motorist and she sustains
bodily injury damages for $262,320. How much will
Parmelia receive when she submits a claim for these
damages - Answer-$200,000
Which of the following endorsements must be attached to
a standard Businessowners policy for coverage to apply to
,2|Page
a businesses freezer that was damaged by the interruption
of a power source - Answer-Utility Services - Direct
Damage endorsement.
After completing an inspection of an insured's pressure
equipment and fire suppression systems, the inspector
determines that the pressure equipment needs to be
repaired and the suppression systems have not been
cleaned and inspected in the time frame required by the
policy. The insurer will: - Answer-Suspend coverage
immediately by red tagging the items until they are
repaired, cleaned and pass reinspection
To be eligible for coverage under a standardized Dwelling
policy, the insured must not allow more than _______
boarders to live on the premises. - Answer-5
All of the following are "Perils of the Sea" under an Ocean
Marine policy, EXCEPT: - Answer-Pirates
The amount of insurance countersigned, issued, or sold by
an agent or producer to cover immediate family members,
an employer, or employees is known as: - Answer-
Controlled business
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Which of the following standardized Dwelling insurance
forms provides coverage for loss of rental income -
Answer-The DP-1, DP-2, and DP-3 forms
The "Part B - Medical Payments" coverage of a personal
automobile policy covers injuries for all of the following,
EXCEPT: - Answer-A passenger who is injured in another
vehicle that is struck by the insured's vehicle in an
accident
Which of the following are the Texas Workers'
Compensation benefits that are increased by a cost-of-
living adjustment (COLAs) - Answer-Lifetime Income
Benefits (LIBs) only
Hannah must take time away from work to help assist in
the investigation of a claim that was made against her
BOP policy. The policy will pay for Hannah's actual loss of
earnings up to: - Answer-$250 per day.
Surplus Lines companies in Texas have _____ to
acknowledge the receipt of a claim. - Answer-30 days.
, 4|Page
All of the following are characteristics of a principal that a
surety will scrutinize during the underwriting process,
EXCEPT: - Answer-Consideration.
Under Section II of a Homeowners policy, a cemetery plot
owned by the insured is considered to be: - Answer-An
insured location.
Which of the following is NOT one of the four major
coverages of an Ocean Marine policy? - Answer-
Seaworthiness.
A ship has suffered damage and sunk. Which of the
following would respond to cover the loss of the ship? -
Answer-Hull Insurance.
As a fiduciary agent, an adjuster has the power to bind the
insurer. Which of the following statements is FALSE
regarding this power? - Answer-Only an adjuster's written
statements can legally bind an insurer.
The standardized Dwelling forms consider all eruptions of
a volcano within a __________ period to be a single
"occurrence". - Answer-72-hour
Texas All Lines Adjuster Exam 2025/2026 – 200+
Questions with Verified Answers (Newly Updated)||
VERIFIED EXAM|| LATEST EXAM!!!
All of the following are criteria for an accident to have
occurred "in the course of" the employment under a
workers' compensation policy, EXCEPT: - Answer-While
performing a task that a fellow worker requested, that was
unusual to the employee's job description, but occurred on
the employer's premises during working hours.
Which of the following statements is NOT TRUE regarding
the implied warranties of an Ocean Marine policy? -
Answer-The implied warranties are attached to the policy
as an endorsement..
Parmelia is covered under two separate standardized
Personal Automobile policies, with Part C limits under both
policies set at $200,000. Parmelia is involved in an
accident with an uninsured motorist and she sustains
bodily injury damages for $262,320. How much will
Parmelia receive when she submits a claim for these
damages - Answer-$200,000
Which of the following endorsements must be attached to
a standard Businessowners policy for coverage to apply to
,2|Page
a businesses freezer that was damaged by the interruption
of a power source - Answer-Utility Services - Direct
Damage endorsement.
After completing an inspection of an insured's pressure
equipment and fire suppression systems, the inspector
determines that the pressure equipment needs to be
repaired and the suppression systems have not been
cleaned and inspected in the time frame required by the
policy. The insurer will: - Answer-Suspend coverage
immediately by red tagging the items until they are
repaired, cleaned and pass reinspection
To be eligible for coverage under a standardized Dwelling
policy, the insured must not allow more than _______
boarders to live on the premises. - Answer-5
All of the following are "Perils of the Sea" under an Ocean
Marine policy, EXCEPT: - Answer-Pirates
The amount of insurance countersigned, issued, or sold by
an agent or producer to cover immediate family members,
an employer, or employees is known as: - Answer-
Controlled business
,3|Page
Which of the following standardized Dwelling insurance
forms provides coverage for loss of rental income -
Answer-The DP-1, DP-2, and DP-3 forms
The "Part B - Medical Payments" coverage of a personal
automobile policy covers injuries for all of the following,
EXCEPT: - Answer-A passenger who is injured in another
vehicle that is struck by the insured's vehicle in an
accident
Which of the following are the Texas Workers'
Compensation benefits that are increased by a cost-of-
living adjustment (COLAs) - Answer-Lifetime Income
Benefits (LIBs) only
Hannah must take time away from work to help assist in
the investigation of a claim that was made against her
BOP policy. The policy will pay for Hannah's actual loss of
earnings up to: - Answer-$250 per day.
Surplus Lines companies in Texas have _____ to
acknowledge the receipt of a claim. - Answer-30 days.
, 4|Page
All of the following are characteristics of a principal that a
surety will scrutinize during the underwriting process,
EXCEPT: - Answer-Consideration.
Under Section II of a Homeowners policy, a cemetery plot
owned by the insured is considered to be: - Answer-An
insured location.
Which of the following is NOT one of the four major
coverages of an Ocean Marine policy? - Answer-
Seaworthiness.
A ship has suffered damage and sunk. Which of the
following would respond to cover the loss of the ship? -
Answer-Hull Insurance.
As a fiduciary agent, an adjuster has the power to bind the
insurer. Which of the following statements is FALSE
regarding this power? - Answer-Only an adjuster's written
statements can legally bind an insurer.
The standardized Dwelling forms consider all eruptions of
a volcano within a __________ period to be a single
"occurrence". - Answer-72-hour
