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FLORIDA ADJUSTER EXAM AND PRACTICE EXAM NEWEST
2024 ACTUAL EXAM COMPLETE 500 QUESTIONS AND
CORRECT DETAILED ANSWERS ( VERIFIED ANSWERS )
|ALREADY GRADED A
FLORIDA ADJUSTER EXAM
Which is NOT considered equipment under the equipment breakdown coverage form?
- electric motors
- vacuum tank
- computers
- laboratory beakers - ANSWER- D. laboratory beakers...?
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:
- covers the claim for injuries and any resulting punitive damages.
- does not cover this claim because it involves intentional injury.
- covers this claim, because Kevin was an employee injured on the
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- does not cover this claim because the contractor knew it
employed Kevin in violation of the law. - ANSWER- D. does not cover this claim because the contractor knew it employed Kevin in violation of the law.
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?
- hull insurance
- collision insurance
- protection and indemnity insurance
- physical damage insurance - ANSWER- A. hull insurance.....?
Why is a homeowners insurance policy considered a package policy?
- It combines two or more separate coverages in a single policy
- It is associated with home ownership
- It is usually sold with other policies
- It comes in a policy binder - ANSWER- A. It combines two or
more separate coverages in a single policy
Speedy Trucking Company owns a fleet of trucks. Other companies hire Speedy to transport their cargo. What kind of company is Speedy? 2 / 4
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- for-hire carrier
- livery service
- private carrier
- public conveyance - ANSWER- A. for-hire carrier
A wide variety of products owned by various shippers are transported aboard the Alejandra, an oceangoing vessel. In the language of ocean marine insurance, what are these goods aboard the Alejandra collectively referred to as?
- loading.
- consignments.
- cargo.
- payload. - ANSWER- C. cargo.
Which coverage under Mason's garage policy would respond to a claim for damage to a customer's car while it was in his shop for repairs?
- garagekeepers coverage.
- liability coverage.
- physical damage coverage.
- none, because the customer's own policy applies. - ANSWER- A.
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Banemore Manufacturing Company's operations involve hazardous materials and processes. Which situation does NOT involve a pollutant as defined in the pollution liability coverage forms?
- Banemore's cooling towers discharge hot water into a creek.
- Banemore's operations interfere with data transmissions in a
- Ash from Banemore's plant collects in a field near the plant.
- Smoke billows from Banemore's chimneys. - ANSWER- B.
nearby neighborhood.
Banemore's operations interfere with data transmissions in a nearby neighborhood.
Randall and Russell make a contract to rob a tourist. They agree that Randall will lead the tourist near a dark alley where Russell will take her purse. They promise to share any money and jewelry they acquire. This agreement is not a valid contract because?
- It has an illegal purpose
- It is not in writing
- It did not include an offer
- 1t involves more than one person - ANSWER- A. It has an illegal
purpose
The crime insurance policy Jodie is applying for will provide blanket coverage against employee theft. What does this mean?
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