TEXAS ALL LINES ADJUSTER EXAM
BANK WITH OVER 350 QUESTIONS
AND CORRECT ANSWER RATED A+
2026/2027
Which of the following standardized Dwelling insurance forms provides coverage
for loss of rental income
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:
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)
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:
$250 per day.
Surplus Lines companies in Texas have _____ to acknowledge the receipt of a
claim.
30 days.
All of the following are characteristics of a principal that a surety will scrutinize
during the underwriting process, EXCEPT:
Consideration.
Under Section II of a Homeowners policy, a cemetery plot owned by the insured is
considered to be:
An insured location.
,All of the following are criteria for an accident to have occurred "in the course of"
the employment under a workers' compensation policy, EXCEPT:
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.
Symbol 23 is designated on the insured's Garage Coverage form. This indicates
that:
That owned private passenger autos only are covered..
An applicant fails to disclose known facts when completing an application for
insurance. This act is known as:
Concealment
All of the following are correct statements regarding the limits of liability under
Part A of a Personal Auto policy, EXCEPT:
When the Part A limits are exhausted, any limits for Uninsured Motorists
coverage can be used to pay the entire claim..
If a covered business is a limited liability company, the standard Businessowners
policy provides coverage for all of the following "insureds", EXCEPT:
Executive director..
Which of the following statements is NOT TRUE regarding the implied warranties
of an Ocean Marine policy?
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
$200,000
,Which of the following endorsements must be attached to a standard
Businessowners policy for coverage to apply to a businesses freezer that was
damaged by the interruption of a power source
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:
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.
5
All of the following are "Perils of the Sea" under an Ocean Marine policy, EXCEPT:
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:
Controlled business
Which of the following is NOT one of the four major coverages of an Ocean
Marine policy?
Seaworthiness.
A ship has suffered damage and sunk. Which of the following would respond to
cover the loss of the ship?
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?
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".
72-hour
Whose responsibility is it to complete a "proof of loss"?
The claimant.
Which of the following would NOT be determined by a court when an insurer has
filed a declaratory judgment action?
The type and amount of damages that will be paid to a plaintiff for the claim that
is being disputed.
Which of the following statements is TRUE regarding the Homeowners "additional
coverage" known as Landlord's Furnishings?
The coverage is not additional insurance and does not increase the limits of the
policy.
Which of the following would be covered under the Jones Act?
Crew members of a ship.
All of the following statements are true regarding a Personal Liability Supplement,
EXCEPT:
The policy will cover watercraft liability.
Which of the following statements is TRUE regarding Commercial Property
coverage?
Commercial property coverage can be written as both a monoline policy and as
part of a package policy.
What type of insurance is usually provided or subsidized by the state or federal
government because it is not ordinarily available from private insurers?
Residual market insurance.
The optional coverage for "Employee Dishonesty" under a standard
Businessowners policy provides a "discovery period" for the insured to discover
BANK WITH OVER 350 QUESTIONS
AND CORRECT ANSWER RATED A+
2026/2027
Which of the following standardized Dwelling insurance forms provides coverage
for loss of rental income
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:
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)
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:
$250 per day.
Surplus Lines companies in Texas have _____ to acknowledge the receipt of a
claim.
30 days.
All of the following are characteristics of a principal that a surety will scrutinize
during the underwriting process, EXCEPT:
Consideration.
Under Section II of a Homeowners policy, a cemetery plot owned by the insured is
considered to be:
An insured location.
,All of the following are criteria for an accident to have occurred "in the course of"
the employment under a workers' compensation policy, EXCEPT:
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.
Symbol 23 is designated on the insured's Garage Coverage form. This indicates
that:
That owned private passenger autos only are covered..
An applicant fails to disclose known facts when completing an application for
insurance. This act is known as:
Concealment
All of the following are correct statements regarding the limits of liability under
Part A of a Personal Auto policy, EXCEPT:
When the Part A limits are exhausted, any limits for Uninsured Motorists
coverage can be used to pay the entire claim..
If a covered business is a limited liability company, the standard Businessowners
policy provides coverage for all of the following "insureds", EXCEPT:
Executive director..
Which of the following statements is NOT TRUE regarding the implied warranties
of an Ocean Marine policy?
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
$200,000
,Which of the following endorsements must be attached to a standard
Businessowners policy for coverage to apply to a businesses freezer that was
damaged by the interruption of a power source
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:
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.
5
All of the following are "Perils of the Sea" under an Ocean Marine policy, EXCEPT:
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:
Controlled business
Which of the following is NOT one of the four major coverages of an Ocean
Marine policy?
Seaworthiness.
A ship has suffered damage and sunk. Which of the following would respond to
cover the loss of the ship?
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?
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".
72-hour
Whose responsibility is it to complete a "proof of loss"?
The claimant.
Which of the following would NOT be determined by a court when an insurer has
filed a declaratory judgment action?
The type and amount of damages that will be paid to a plaintiff for the claim that
is being disputed.
Which of the following statements is TRUE regarding the Homeowners "additional
coverage" known as Landlord's Furnishings?
The coverage is not additional insurance and does not increase the limits of the
policy.
Which of the following would be covered under the Jones Act?
Crew members of a ship.
All of the following statements are true regarding a Personal Liability Supplement,
EXCEPT:
The policy will cover watercraft liability.
Which of the following statements is TRUE regarding Commercial Property
coverage?
Commercial property coverage can be written as both a monoline policy and as
part of a package policy.
What type of insurance is usually provided or subsidized by the state or federal
government because it is not ordinarily available from private insurers?
Residual market insurance.
The optional coverage for "Employee Dishonesty" under a standard
Businessowners policy provides a "discovery period" for the insured to discover
