FLORIDA ADJUSTER LICENSE EXAM QUESTIONS AND ANSWERS ALL CORRECT AND EXPERT VERIFIED

Описание: FLORIDA ADJUSTER LICENSE EXAM QUESTIONS AND ANSWERS ALL CORRECT AND EXPERT VERIFIED

Question 1:
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 Answer:
D. Buildings, business personal property, or both.

Question 2:
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 injury
C. protect uninsured drivers from claims for damage to their own autos
D. protect insureds from drivers with inadequate limits of auto liability insurance

Correct Answer:
A. protect insureds from drivers who have no auto liability insurance

Question 3:
Which is NOT considered equipment under the equipment breakdown coverage form?
A. electric motors
B. vacuum tank
C. computers
D. laboratory beakers

Correct Answer:
D. laboratory beakers

Question 4:
A contractor hires 15-year-old Kevin as a part-time employee to cut lumber, knowing the law does not permit Kevin to work near power tools because of his age. Kevin accidentally cuts his finger off while using a power saw. The liability 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 injury.
C. covers this claim, because Kevin was an employee injured on the job.
D. does not cover this claim because the contractor knew it employed Kevin in violation of the law.

Correct Answer:
D. does not cover this claim because the contractor knew it employed Kevin in violation of the law.

Question 5:
What kind of insurance is the coverage in an ocean marine insurance policy that protects a shipowner against a covered loss to the vessel but not to its cargo?
A. hull insurance
B. collision insurance
C. protection and indemnity insurance
D. physical damage insurance

Correct Answer:
A. hull insurance

Question 6:
Why is a homeowners insurance policy considered a package policy?
A. It combines two or more separate coverages in a single policy
B. It is associated with home ownership
C. It is usually sold with other policies
D. It comes in a policy binder

Correct Answer:
A. It combines two or more separate coverages in a single policy

Question 7:
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 the state
D. have transacted insurance in Florida for at least two years before apply for a license

Correct Answer:
C. obtain a license or registration from the state

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