HAWAII ADJUSTER ACTUAL EXAM
PAPER 2026 QUESTIONS WITH
ANSWERS GRADED A+
◍ Which of the following statements is NOT TRUE regarding the "Extended
Period of Indemnity" option of the Business Income form?.
Answer: The coverage applies for 120 days following the period of
restoration
◍ The Insurance Commissioner must examine aninsurer at least once every:
A) 6 months B) 5 Years C ) 1 Year D) 2 Years.
Answer: 5 years
◍ 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
◍ The maximum fine for unknowingly committing an unfair or deceptive act
in the business of insuranceis:A) $10,000 B) $50,000C) $1,000 D) $5,000.
Answer: $10,000
◍ 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
◍ The maximum fine for knowingly committing an unfair or deceptive act in
the business of insuranceis: A) $100,000 B) $1,000C) $10,000 D) $50,000.
, Answer: $50,000
◍ How many days in advance must a notice of a hearing on unfair trade
practices be sent? A) 15 days B) 5 days C) 10 days D) 30 days.
Answer: 15 Days
◍ 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 maximum fine when violating a ceaseand desist order?A)
$1,000 per violation B) $5,000 per violation C) $10,000 per violation D)
$500 per violation.
Answer: $10,000
◍ 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 fine per violation for unknowingly committing an unfair or deceptive
act in the business of insuranceis: A) $3,000 B) $100 C) $500 D) $1,000.
Answer: $1,000
◍ 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.
◍ The minimum fine per violation of the InsuranceCode is: A) $500 B)
$100C) $750 D) $1,000.
Answer: $100
◍ The fine per violation for knowingly committing an unfair or deceptive act
in the business of insuranceis: A) $10,000 B) $500C) $5,000 D) $1,000.
Answer: $5,000
◍ The maximum fine per violation of the InsuranceCode is: A) $5,000 B)
$1,000C) $7,500 D) $10,000.
Answer: $10,000
◍ 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
◍ Fee to reinstate an expired license?A) Equal to the renewal fee B) Triple the
renewal fee C) Double the renewal fee D) Half of the renewal.
Answer: Double the renewal fee
◍ 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:.
PAPER 2026 QUESTIONS WITH
ANSWERS GRADED A+
◍ Which of the following statements is NOT TRUE regarding the "Extended
Period of Indemnity" option of the Business Income form?.
Answer: The coverage applies for 120 days following the period of
restoration
◍ The Insurance Commissioner must examine aninsurer at least once every:
A) 6 months B) 5 Years C ) 1 Year D) 2 Years.
Answer: 5 years
◍ 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
◍ The maximum fine for unknowingly committing an unfair or deceptive act
in the business of insuranceis:A) $10,000 B) $50,000C) $1,000 D) $5,000.
Answer: $10,000
◍ 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
◍ The maximum fine for knowingly committing an unfair or deceptive act in
the business of insuranceis: A) $100,000 B) $1,000C) $10,000 D) $50,000.
, Answer: $50,000
◍ How many days in advance must a notice of a hearing on unfair trade
practices be sent? A) 15 days B) 5 days C) 10 days D) 30 days.
Answer: 15 Days
◍ 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 maximum fine when violating a ceaseand desist order?A)
$1,000 per violation B) $5,000 per violation C) $10,000 per violation D)
$500 per violation.
Answer: $10,000
◍ 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 fine per violation for unknowingly committing an unfair or deceptive
act in the business of insuranceis: A) $3,000 B) $100 C) $500 D) $1,000.
Answer: $1,000
◍ 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.
◍ The minimum fine per violation of the InsuranceCode is: A) $500 B)
$100C) $750 D) $1,000.
Answer: $100
◍ The fine per violation for knowingly committing an unfair or deceptive act
in the business of insuranceis: A) $10,000 B) $500C) $5,000 D) $1,000.
Answer: $5,000
◍ The maximum fine per violation of the InsuranceCode is: A) $5,000 B)
$1,000C) $7,500 D) $10,000.
Answer: $10,000
◍ 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
◍ Fee to reinstate an expired license?A) Equal to the renewal fee B) Triple the
renewal fee C) Double the renewal fee D) Half of the renewal.
Answer: Double the renewal fee
◍ 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:.
