FLORIDA CERTIFIED ADJUSTER PRE-
LICENSING (ACTUAL 2025) QUESTIONS WITH
VERIFIED ANSWERS | LATEST
Edward is a member of the Knights of Columbus, a religious
group dedicated to voluntary service to the benefit of society.
He also recently purchased a $100,000 life insurance policy
from the organization. This was possible because the Knights
of Columbus is:
a fraternal benefit society
Jason's auto policy states that the insurer may cancel coverage
if a premium is more than 30 days late. However, Jason is
currently more than 30 days late, and has been so five times in
the last year, and his insurer has done nothing about it. When
Jason gets into an accident and files a claim, which of the
following is most likely to happen?
The insurer will pay the claim because of the implied waiver
they have made by not cancelling Jason's policy the previous
times he was late with his payments
,When a faulty electrode in a children's toy is recalled by ABC
Toymakers Inc., it is a costly endeavor. Especially since ABC
Toymakers Inc.'s base insurance policy doesn't cover product
recalls. Which excess liability coverage could help pay for
losses associated with the recall?
A. Follow Form Policy
B. Product Recall Policy
C. Stand Alone Policy
D. Umbrella Policy
D. Umbrella Policy
While Andrea was grocery shopping in BB Mart, the large
Dairy sign fell off the wall and landed on her. Because of her
extensive injuries, Andrea sued BB Mart and was awarded
$375,000 in damages. BB Mart's Commercial General
Liability policy has a general aggregate limit of $1,000,000
and a per occurrence limit of $300,000. What is the per
occurrence limit after this claim is settled?
$300,000
Randy owns a clothing store. One day, he notices a shady
character with a backpack who is hanging around acting
nervous. Randy becomes suspicious and approaches the
,young man. As the boy makes an effort to avoid him, Randy
grabs his arm and detains him until the police arrive. Not
finding any stolen merchandise, the police let the boy go. Two
weeks later Randy is notified that he will be sued for violation
of the young man's civil rights. This is an example of what
type of personal injury covered under Randy's Commercial
General Liability policy?
False Arrest, Detention, or Imprisonment.
The "Consent to Settle" clause in the Professional Liability
policy is best described as:
a clause that requires the insured's approval before the
insurance company discusses settlement options with a
claimant.
Medical payments coverage in a Farm policy includes all of
the following EXCEPT:
A. libel or slander.
B. funeral costs.
C. hospital benefits.
D. dental benefits.
A. libel or slander.
, In order to set a yield guarantee for Maren's policy, Maren's
agent will need a record of the last four years of her crop
yields. This record is called:
an Actual Production History.
Farmer Jane had an MPCI policy in place when her wheat
field was ruined by a hail storm. Jane promptly plowed up the
wheat and planted a cover crop. Two days later she filed a
claim with her insurer. The claim was denied. What might be
the reason for the denial?
Jane did not leave samples of the destroyed crop for the
adjuster to examine.
Which Farm policy would cover animal waste overflow and
chemical spills?
Farm Pollution Liability
Which of the following statements about MPCI insurance is
FALSE?
LICENSING (ACTUAL 2025) QUESTIONS WITH
VERIFIED ANSWERS | LATEST
Edward is a member of the Knights of Columbus, a religious
group dedicated to voluntary service to the benefit of society.
He also recently purchased a $100,000 life insurance policy
from the organization. This was possible because the Knights
of Columbus is:
a fraternal benefit society
Jason's auto policy states that the insurer may cancel coverage
if a premium is more than 30 days late. However, Jason is
currently more than 30 days late, and has been so five times in
the last year, and his insurer has done nothing about it. When
Jason gets into an accident and files a claim, which of the
following is most likely to happen?
The insurer will pay the claim because of the implied waiver
they have made by not cancelling Jason's policy the previous
times he was late with his payments
,When a faulty electrode in a children's toy is recalled by ABC
Toymakers Inc., it is a costly endeavor. Especially since ABC
Toymakers Inc.'s base insurance policy doesn't cover product
recalls. Which excess liability coverage could help pay for
losses associated with the recall?
A. Follow Form Policy
B. Product Recall Policy
C. Stand Alone Policy
D. Umbrella Policy
D. Umbrella Policy
While Andrea was grocery shopping in BB Mart, the large
Dairy sign fell off the wall and landed on her. Because of her
extensive injuries, Andrea sued BB Mart and was awarded
$375,000 in damages. BB Mart's Commercial General
Liability policy has a general aggregate limit of $1,000,000
and a per occurrence limit of $300,000. What is the per
occurrence limit after this claim is settled?
$300,000
Randy owns a clothing store. One day, he notices a shady
character with a backpack who is hanging around acting
nervous. Randy becomes suspicious and approaches the
,young man. As the boy makes an effort to avoid him, Randy
grabs his arm and detains him until the police arrive. Not
finding any stolen merchandise, the police let the boy go. Two
weeks later Randy is notified that he will be sued for violation
of the young man's civil rights. This is an example of what
type of personal injury covered under Randy's Commercial
General Liability policy?
False Arrest, Detention, or Imprisonment.
The "Consent to Settle" clause in the Professional Liability
policy is best described as:
a clause that requires the insured's approval before the
insurance company discusses settlement options with a
claimant.
Medical payments coverage in a Farm policy includes all of
the following EXCEPT:
A. libel or slander.
B. funeral costs.
C. hospital benefits.
D. dental benefits.
A. libel or slander.
, In order to set a yield guarantee for Maren's policy, Maren's
agent will need a record of the last four years of her crop
yields. This record is called:
an Actual Production History.
Farmer Jane had an MPCI policy in place when her wheat
field was ruined by a hail storm. Jane promptly plowed up the
wheat and planted a cover crop. Two days later she filed a
claim with her insurer. The claim was denied. What might be
the reason for the denial?
Jane did not leave samples of the destroyed crop for the
adjuster to examine.
Which Farm policy would cover animal waste overflow and
chemical spills?
Farm Pollution Liability
Which of the following statements about MPCI insurance is
FALSE?
