Vermont Adjuster's Examination for Workers
Compensation Insurance Exam Newest 2026
Questions and Correct Detailed Answers
Already Graded A+
Which of the following policies would cover a contractor's own employees for
injuries sustained on the job?
A: Owners and Contractors Protective
B: Contractual Liability
C: Workers Compensation
D: Commercial General Liability - CORRECT ANSWER-Workers Compensation
All of the following must be covered for workers compensation coverage in
Vermont except?
A: Maritime workers
B: Stockbrokers
C: Public employees
D: Road contractor's employees - CORRECT ANSWER-A: Maritime workers
,Which of the following is not a common-law defense for an employer in a
workplace injury lawsuit?
A: Contributory Negligence
B: Fellow-Servant
C: Proximate Cause
D: Assumption of Risk - CORRECT ANSWER-C: Proximate Cause
Which of the following is the least desired in regards to vocational rehabilitation?
A: Self-employment
B: Job modification
C: Retraining
D: Transferring skills - CORRECT ANSWER-Self-employment
In the event that a workers compensation policy contains provisions contrary to
Vermont's workers compensation laws, which of the following is true?
A: The policy provisions will always prevail
B: The claim is sent to arbitration
C: Vermont law will prevail
D: If the policy provides broader coverage, the policy will prevail - CORRECT
ANSWER-Vermont law will prevail
,Which of the following is not a violation of the "Unfair Trade Practices Act"?
A: Not attempting in good faith to settle claims when it could and should have
done so
B: Denying an uncovered claim
C: Failing to promptly settle non-liability claims under one portion of coverage,
where the obligation has become reasonably clear, in order to influence
settlements under other portions of coverage
D: Making claim payments to insureds and not setting forth the coverage under
which payment is being made - CORRECT ANSWER-Denying an uncovered
claim
An employee in Vermont has contracted a disease as a result of employment. A
claim must be brought for workers compensation benefits within: - CORRECT
ANSWER-Two years of the discovery of the disease
In Vermont, the employer/insurer has how many days from receiving notice of a
claim to determine whether
any compensation is due an injured employee? - CORRECT ANSWER-21 Days
, Which of the following workers are covered by the FELA Act of 1908? -
CORRECT ANSWER-Railroad employees
To be covered under a standard workers compensation policy, the last exposure
to the conditions causing bodily injury by disease must occur: - CORRECT
ANSWER-Within the policy period
A workers compensation claim may be denied for all of the following except? -
CORRECT ANSWER-Injured while being trained for a hazardous job
Under Vermont's workers compensation laws, which of the following injuries
would not qualify for permanent total disability benefits? - CORRECT
ANSWER-A severely broken arm that can heal.
Dependent children of a worker killed on the job will receive income benefits: -
CORRECT ANSWER-Until age 18 or longer if still in an accredited school
The premium charged for a standard workers compensation policy is based
primarily on a company's: - CORRECT ANSWER-Payroll
Compensation Insurance Exam Newest 2026
Questions and Correct Detailed Answers
Already Graded A+
Which of the following policies would cover a contractor's own employees for
injuries sustained on the job?
A: Owners and Contractors Protective
B: Contractual Liability
C: Workers Compensation
D: Commercial General Liability - CORRECT ANSWER-Workers Compensation
All of the following must be covered for workers compensation coverage in
Vermont except?
A: Maritime workers
B: Stockbrokers
C: Public employees
D: Road contractor's employees - CORRECT ANSWER-A: Maritime workers
,Which of the following is not a common-law defense for an employer in a
workplace injury lawsuit?
A: Contributory Negligence
B: Fellow-Servant
C: Proximate Cause
D: Assumption of Risk - CORRECT ANSWER-C: Proximate Cause
Which of the following is the least desired in regards to vocational rehabilitation?
A: Self-employment
B: Job modification
C: Retraining
D: Transferring skills - CORRECT ANSWER-Self-employment
In the event that a workers compensation policy contains provisions contrary to
Vermont's workers compensation laws, which of the following is true?
A: The policy provisions will always prevail
B: The claim is sent to arbitration
C: Vermont law will prevail
D: If the policy provides broader coverage, the policy will prevail - CORRECT
ANSWER-Vermont law will prevail
,Which of the following is not a violation of the "Unfair Trade Practices Act"?
A: Not attempting in good faith to settle claims when it could and should have
done so
B: Denying an uncovered claim
C: Failing to promptly settle non-liability claims under one portion of coverage,
where the obligation has become reasonably clear, in order to influence
settlements under other portions of coverage
D: Making claim payments to insureds and not setting forth the coverage under
which payment is being made - CORRECT ANSWER-Denying an uncovered
claim
An employee in Vermont has contracted a disease as a result of employment. A
claim must be brought for workers compensation benefits within: - CORRECT
ANSWER-Two years of the discovery of the disease
In Vermont, the employer/insurer has how many days from receiving notice of a
claim to determine whether
any compensation is due an injured employee? - CORRECT ANSWER-21 Days
, Which of the following workers are covered by the FELA Act of 1908? -
CORRECT ANSWER-Railroad employees
To be covered under a standard workers compensation policy, the last exposure
to the conditions causing bodily injury by disease must occur: - CORRECT
ANSWER-Within the policy period
A workers compensation claim may be denied for all of the following except? -
CORRECT ANSWER-Injured while being trained for a hazardous job
Under Vermont's workers compensation laws, which of the following injuries
would not qualify for permanent total disability benefits? - CORRECT
ANSWER-A severely broken arm that can heal.
Dependent children of a worker killed on the job will receive income benefits: -
CORRECT ANSWER-Until age 18 or longer if still in an accredited school
The premium charged for a standard workers compensation policy is based
primarily on a company's: - CORRECT ANSWER-Payroll
