HAWAII ADJUSTER COMPREHENSIVE
ASSESSMENT 2026 COMPLETE SOLUTIONS
GRADED A+
⫸ When a Hawaii employee sustains an injury requiring medical treatment beyond first aid,
how long does the employer have to report the accident to the Director of Labor and Industry
relations?Answer: 7 working days
⫸ After paying a claim an insurance company may have the right to pursue legal action
against the negligent party. This is known as:Answer: Subrogation
⫸ What coverage under the BOP automatically applies if a customer slips and falls on the
named insured's premises, regardless of legal liability?Answer: Medical expense coverage
⫸ All of the following are examples of unfair claim practices, EXCEPT:Answer: Making
claim payments and stating the coverage under which payment is made
⫸ What is the bond requirement for a Surplus Lines broker license in Hawaii?Answer:
$100,000.
⫸ Which of the following would be covered under the personal property (contents) coverage
of an NFIP policy?Answer: The insured's riding lawn mower kept inside an attached garage..
⫸ The BOP has limitations on the square footage in regard to eligible retail and service risks.
What is the maximum square footage a building can contain and still be eligible for the
policy?Answer: 35,000 square feet
⫸ What is the purpose of the Hawaii Property Insurance Association?Answer: To assure the
availability of basic property insurance.
,⫸ The NAIC Model Unfair Claim Settlement Practices Act specifies that the insurance
company must provide the proper claim forms with a reasonable explanation of how to use
them to the claimant within:Answer: 15 calendar days of the request
⫸ If an agent offers an inducement to a perspective client in an attempt to write his or her
insurance, this is called:Answer: Rebating.
⫸ St. Michael's Church is having their annual rigatoni dinner. Mary is volunteering to serve
the guests. Which of the following situations would be covered by the CGL for the
church?Answer: Mary spills hot coffee on a guest
⫸ Bill may be negligent if he:Answer: Fails to do what a reasonably prudent person would
do in the same circumstance
⫸ Assume a Hawaii employee is injured in the course of work, and the employer later
receives a report from the treating physician indicating that the employee is a candidate for
vocational rehabilitation. In this instance, how many days from the date of injury must the
employer provide information to the employee regarding his or her rights to vocational
rehabilitation benefits?Answer: 120 days
⫸ The MCS-90 endorsement provides coverage for all of the following, EXCEPT:Answer:
Personal injury
⫸ No radio or television broadcast, nor published written communication in Hawaii
may:Answer: Advertise for any insurer that is not authorized to transact insurance in Hawaii
⫸ Which of the following is considered an Unfair Claim Settlement Practice?Answer:
Requiring a claimant to submit a preliminary claim report before moving forward on the
claim
⫸ The Earthquake Endorsement to a Homeowners policy will provide coverage to the
dwelling and/or personal property with the deductible stated as:Answer: 5% of the limit that
applies to all Section I coverages
,⫸ Personal Excess Liability policies provide coverage for all of the following,
EXCEPT:Answer: Damage to an insured's property due to fire.
⫸ Under the Equipment Breakdown Protection form that covers boilers and machinery, what
is considered to be one loss event?Answer: The initial breakdown that causes other
breakdowns
⫸ Commercial inland marine policies require the insured to submit a signed, sworn
statement of loss:Answer: Within 60 days of the insurer requesting it
⫸ An insured purchases several different insurance policies that provide coverage in an
amount that would allow him to make a profit from a covered loss. This is known as:Answer:
Overinsurance
⫸ All of the following are situations where a Commercial Umbrella policy would be
triggered to provide coverage, EXCEPT:Answer: The underlying liability policy limits are
sufficient to pay the entire claim
⫸ A claim is brought against the named insured under a CGL policy. Before settlement is
made the insured files for bankruptcy. This action:Answer: Does not relieve the insurance
company from paying the claim
⫸ When the Hawaii Commissioner deems that current rates may be excessive and mandates
that insurers submit new rate filings, when must the new filings be submitted?Answer: Within
120 days of the mandate
⫸ Which of the following best describes how the peril of "theft" is covered under the 1943
New York Standard Fire policy?Answer: Theft is a covered peril under the removal coverage
⫸ In situations where the insured and the insurer could disagree on the value of an item, it
would be best to insure that item on a(n) __________ basisAnswer: Agreed Value
⫸ Gottfried, an insurance agent, has posted information online in an forum for insurance
professionals. This information stated that Greta's insurance agency has been engaging in
, rebating and her appointing insurer is about to file for bankruptcy. Gottfried knows this
information is untrue, but he is angry that some of his clients have recently left his agency to
place business with Greta. Which of the following statements is true of Gottfried's
actions?Answer: Gottfried has defamed both Greta and her appointing insurer, an unethical
and illegal action
⫸ An insured who had a $500,000 primary liability policy purchased a $1 million Umbrella
liability policy with a $2,000 self-insured retention limit. Later, the insured allowed the
required underlying primary policy with a limit of $500,000 to expire. A week after that, the
insured became liable for a $100,000 loss that is not excluded by the provisions of either the
primary underlying liability policy or the Umbrella policy. How will this loss likely be
settled?Answer: The insured will be liable for the full $100,000 loss
⫸ The 165 numbered lines on page 2 of the Standard Fire policy covers:Answer: The
conditions and exclusions of the policy.
⫸ All of the following "personal effects" would be covered by the Part D -- Additional
Coverage of the Personal Watercraft, EXCEPT:Answer: Jewelry.
⫸ Which of the following is true regarding consultations because the situation is life
threatening or could cause serious harm?I. The attending physician will notify the employer
as soon as possibleII. The consultant will provide a copy of the consultation report to the
attending physicianIII. The copy of the consultation report must be given to the employer
within 14 calendar days of the examinationAnswer: I, II and III
⫸ The time period after the policy inception and before the policy expiration is known
as:Answer: The policy period
⫸ No credit will be given to any Hawaii producer for any continuing education course unless
that course has received an approval code from:Answer: The Hawaii Insurance
Commissioner.
⫸ Which of the following statements BEST describes the reason it was necessary to create a
federal flood insurance program in 1968?Answer: Because other property policies routinely
exclude flood from coverage
ASSESSMENT 2026 COMPLETE SOLUTIONS
GRADED A+
⫸ When a Hawaii employee sustains an injury requiring medical treatment beyond first aid,
how long does the employer have to report the accident to the Director of Labor and Industry
relations?Answer: 7 working days
⫸ After paying a claim an insurance company may have the right to pursue legal action
against the negligent party. This is known as:Answer: Subrogation
⫸ What coverage under the BOP automatically applies if a customer slips and falls on the
named insured's premises, regardless of legal liability?Answer: Medical expense coverage
⫸ All of the following are examples of unfair claim practices, EXCEPT:Answer: Making
claim payments and stating the coverage under which payment is made
⫸ What is the bond requirement for a Surplus Lines broker license in Hawaii?Answer:
$100,000.
⫸ Which of the following would be covered under the personal property (contents) coverage
of an NFIP policy?Answer: The insured's riding lawn mower kept inside an attached garage..
⫸ The BOP has limitations on the square footage in regard to eligible retail and service risks.
What is the maximum square footage a building can contain and still be eligible for the
policy?Answer: 35,000 square feet
⫸ What is the purpose of the Hawaii Property Insurance Association?Answer: To assure the
availability of basic property insurance.
,⫸ The NAIC Model Unfair Claim Settlement Practices Act specifies that the insurance
company must provide the proper claim forms with a reasonable explanation of how to use
them to the claimant within:Answer: 15 calendar days of the request
⫸ If an agent offers an inducement to a perspective client in an attempt to write his or her
insurance, this is called:Answer: Rebating.
⫸ St. Michael's Church is having their annual rigatoni dinner. Mary is volunteering to serve
the guests. Which of the following situations would be covered by the CGL for the
church?Answer: Mary spills hot coffee on a guest
⫸ Bill may be negligent if he:Answer: Fails to do what a reasonably prudent person would
do in the same circumstance
⫸ Assume a Hawaii employee is injured in the course of work, and the employer later
receives a report from the treating physician indicating that the employee is a candidate for
vocational rehabilitation. In this instance, how many days from the date of injury must the
employer provide information to the employee regarding his or her rights to vocational
rehabilitation benefits?Answer: 120 days
⫸ The MCS-90 endorsement provides coverage for all of the following, EXCEPT:Answer:
Personal injury
⫸ No radio or television broadcast, nor published written communication in Hawaii
may:Answer: Advertise for any insurer that is not authorized to transact insurance in Hawaii
⫸ Which of the following is considered an Unfair Claim Settlement Practice?Answer:
Requiring a claimant to submit a preliminary claim report before moving forward on the
claim
⫸ The Earthquake Endorsement to a Homeowners policy will provide coverage to the
dwelling and/or personal property with the deductible stated as:Answer: 5% of the limit that
applies to all Section I coverages
,⫸ Personal Excess Liability policies provide coverage for all of the following,
EXCEPT:Answer: Damage to an insured's property due to fire.
⫸ Under the Equipment Breakdown Protection form that covers boilers and machinery, what
is considered to be one loss event?Answer: The initial breakdown that causes other
breakdowns
⫸ Commercial inland marine policies require the insured to submit a signed, sworn
statement of loss:Answer: Within 60 days of the insurer requesting it
⫸ An insured purchases several different insurance policies that provide coverage in an
amount that would allow him to make a profit from a covered loss. This is known as:Answer:
Overinsurance
⫸ All of the following are situations where a Commercial Umbrella policy would be
triggered to provide coverage, EXCEPT:Answer: The underlying liability policy limits are
sufficient to pay the entire claim
⫸ A claim is brought against the named insured under a CGL policy. Before settlement is
made the insured files for bankruptcy. This action:Answer: Does not relieve the insurance
company from paying the claim
⫸ When the Hawaii Commissioner deems that current rates may be excessive and mandates
that insurers submit new rate filings, when must the new filings be submitted?Answer: Within
120 days of the mandate
⫸ Which of the following best describes how the peril of "theft" is covered under the 1943
New York Standard Fire policy?Answer: Theft is a covered peril under the removal coverage
⫸ In situations where the insured and the insurer could disagree on the value of an item, it
would be best to insure that item on a(n) __________ basisAnswer: Agreed Value
⫸ Gottfried, an insurance agent, has posted information online in an forum for insurance
professionals. This information stated that Greta's insurance agency has been engaging in
, rebating and her appointing insurer is about to file for bankruptcy. Gottfried knows this
information is untrue, but he is angry that some of his clients have recently left his agency to
place business with Greta. Which of the following statements is true of Gottfried's
actions?Answer: Gottfried has defamed both Greta and her appointing insurer, an unethical
and illegal action
⫸ An insured who had a $500,000 primary liability policy purchased a $1 million Umbrella
liability policy with a $2,000 self-insured retention limit. Later, the insured allowed the
required underlying primary policy with a limit of $500,000 to expire. A week after that, the
insured became liable for a $100,000 loss that is not excluded by the provisions of either the
primary underlying liability policy or the Umbrella policy. How will this loss likely be
settled?Answer: The insured will be liable for the full $100,000 loss
⫸ The 165 numbered lines on page 2 of the Standard Fire policy covers:Answer: The
conditions and exclusions of the policy.
⫸ All of the following "personal effects" would be covered by the Part D -- Additional
Coverage of the Personal Watercraft, EXCEPT:Answer: Jewelry.
⫸ Which of the following is true regarding consultations because the situation is life
threatening or could cause serious harm?I. The attending physician will notify the employer
as soon as possibleII. The consultant will provide a copy of the consultation report to the
attending physicianIII. The copy of the consultation report must be given to the employer
within 14 calendar days of the examinationAnswer: I, II and III
⫸ The time period after the policy inception and before the policy expiration is known
as:Answer: The policy period
⫸ No credit will be given to any Hawaii producer for any continuing education course unless
that course has received an approval code from:Answer: The Hawaii Insurance
Commissioner.
⫸ Which of the following statements BEST describes the reason it was necessary to create a
federal flood insurance program in 1968?Answer: Because other property policies routinely
exclude flood from coverage
