Florida Adjuster Exam questions and answers
2026\2027 A+ Grade
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
Owen's house is damaged when Latrice's car crashes into it. After Owen's insurer pays to repair the
house, the insurer tries to recover its costs from Latrice. What provision in Owen's policy gives the
insurer this right?
A. subrogation
B. recovered property
C. assignment
C. loss settlement
- correct answer B. recovered property?
Which activity would fall outside the definition of "farming" in the standard farm liability coverage form?
A. Selling farm produce from a roadside stand
B. Selling tee shirts at a farmer's market in the city
C. Crop dusting
,D. Field Irrigation
- correct answer B. Selling tee shirts at a farmer's market in the city?
Holly routinely charges her clients an extra amount in addition to the premium stated In the insurance
policy to cover her own personal administrative expenses. What is true about Holly's actions?
A. They are lawful
B. They are lawful if the client agrees in writing
C. They are unlawful
D. They are lawful in most cases
- correct answer C. They are unlawful....?
Judith's engagement ring is stolen soon after she and her fiancé cancelled their wedding plans. Instead
of paying Judith in cash, her homeowners insurance policy gives the insurer the right to:
A. assign recovery rights to her ex-fiancé.
B. replace the missing ring.
C. annul the engagement in writing.
D. deny coverage.
- correct answer B. replace the missing ring.
Which is NOT a bodily injury for purposes of coverage by the business auto policy (BAP)?
A. disease.
B. death.
C. mental trauma.
D. illness.
- correct answer C. mental trauma.
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.
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.....?
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...?
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.
2026\2027 A+ Grade
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
Owen's house is damaged when Latrice's car crashes into it. After Owen's insurer pays to repair the
house, the insurer tries to recover its costs from Latrice. What provision in Owen's policy gives the
insurer this right?
A. subrogation
B. recovered property
C. assignment
C. loss settlement
- correct answer B. recovered property?
Which activity would fall outside the definition of "farming" in the standard farm liability coverage form?
A. Selling farm produce from a roadside stand
B. Selling tee shirts at a farmer's market in the city
C. Crop dusting
,D. Field Irrigation
- correct answer B. Selling tee shirts at a farmer's market in the city?
Holly routinely charges her clients an extra amount in addition to the premium stated In the insurance
policy to cover her own personal administrative expenses. What is true about Holly's actions?
A. They are lawful
B. They are lawful if the client agrees in writing
C. They are unlawful
D. They are lawful in most cases
- correct answer C. They are unlawful....?
Judith's engagement ring is stolen soon after she and her fiancé cancelled their wedding plans. Instead
of paying Judith in cash, her homeowners insurance policy gives the insurer the right to:
A. assign recovery rights to her ex-fiancé.
B. replace the missing ring.
C. annul the engagement in writing.
D. deny coverage.
- correct answer B. replace the missing ring.
Which is NOT a bodily injury for purposes of coverage by the business auto policy (BAP)?
A. disease.
B. death.
C. mental trauma.
D. illness.
- correct answer C. mental trauma.
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.
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.....?
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...?
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.
