Comprehensive Practice Quiz-Agent 2-20 FL General Lines Part
II EXAM 2026-2027 LATEST UPDATED VERSION QUESTIONS
AND ANSWERS
Which is a burglary under Crime Policies?
Select one:
a. Thief opens safe with explosives
b. Thief steals TV through open window
c. Thief steals camera from unlocked auto
d. Thief uses keys from stolen purse to get into office and steal - answer>>a. Thief opens safe with
explosives
Sun Coast Company has Workers Comp. with Florida as the only state listed as item 3A of the
Information page. Sun Coast sends an employee to North Carolina for a month to work on a project. If
the employee is injured in North Carolina, he will be entitled to:
Select one:
a. Federal benefits under Other States coverage
b. No Workers Compensation benefits
c. None of these choices
d. Florida benefits - answer>>d. Florida benefits
All of the following are sliding except:
Select one:
a. telling the applicant that a coverage or product is required by law when such coverage or product is
not required.
b. charging an applicant for a coverage or product in addition to the cost of the insurance coverage
applied for without the informed consent of the applicant.
c. offering part of the commission to the applicant as an inducement for them to buy insurance from
you.
,d. telling the applicant that a coverage or product is included in the policy applied for with no additional
charge, when such charge is required. - answer>>c. offering part of the commission to the applicant as
an inducement for them to buy insurance from you.
John has B.A.P. Liability symbol 1 - any auto; physical damage symbol 2 - Owned autos only. If he has at-
fault accident which will be covered:
a. other parties' wrecked car
b. contents of other parties' car
c. John's wrecked car
d. contents of John's car
Select one:
a. a, b and c
b. c and d
c. a and c
d. b, c and d - answer>>a. a, b and c
A provision granting immediate benefit to insured for revisions that broaden his coverage is called:
Select one:
a. Other insurance
b. Transfer
c. Subrogation
d. Liberalization - answer>>d. Liberalization
For Personal Injury Protection, the owner of a motor vehicle is the:
1. one who holds legal title
2. debtor in possession
3. one who leases with option to purchase
4. one who leases for 6 months or more
,Select one:
a. 2, 3, 4
b. 1, 3
c. 1, 2
d. 1, 2, 3, 4 - answer>>d. 1, 2, 3, 4
Which best describes Loss of income coverage in the Businessowners Policy :
Select one:
a. Limited to 120 days
b. No dollar limit and Includes loss of rents and extra expense
c. Subject to a coinsurance provision
d. Limited to $25,000 - answer>>b. No dollar limit and Includes loss of rents and extra expense
Law firm sued. Former employee named in suit. Covered under Lawyer's Professional if:
Select one:
a. No coverage - not now employed
b. Employed at least 1 year
c. Employed at time of incident
d. Employed at least 2 years - answer>>c. Employed at time of incident
Sally Smith has a covered loss under a Building and Personal Property Coverage form. The cost to
replace the damaged property is $2,200 and actual cash value is $1,600. The loss will be paid: ignoring
deductibles.
Select one:
a. $1,600
b. $2,200 only if the replacement option is purchased.
c. $2,200 without any condition or option.
d. $2,200 if Sally is in compliance with the Coinsurance Condition - answer>>d. $2,200 if Sally is in
compliance with the Coinsurance Condition
, What type of coverage provides protection against catastrophic losses with a deductible, high maximum
limit and coinsurance?
Select one:
a. Hospital Indemnity
b. Medicare Supplement
c. Minor Miracle
d. Major Medical - answer>>d. Major Medical
CGL covers all EXCEPT:
Select one:
a. Damage to property in C.C.C. if caused by fire
b. B.I. liability
c. Insured's own property being damaged
d. Damage to property not in C.C.C. - answer>>c. Insured's own property being damaged
Ocean Cargo coverage that covers goods of a certain class up to certain limits with values to be declared
subsequently with no termination date is called:
Select one:
a. Franchise
b. Valued
c. Open
d. Special - answer>>c. Open
Andy Bare has Mechanical Breakdown Insurance & has a covered breakdown. He incurs the following
costs:
Towing ... $125.00
Repair of damage part ... $1,250.00
Tune-up ... $200.00
Assuming adequate limits and no deductible, the M.B.I. will pay?
II EXAM 2026-2027 LATEST UPDATED VERSION QUESTIONS
AND ANSWERS
Which is a burglary under Crime Policies?
Select one:
a. Thief opens safe with explosives
b. Thief steals TV through open window
c. Thief steals camera from unlocked auto
d. Thief uses keys from stolen purse to get into office and steal - answer>>a. Thief opens safe with
explosives
Sun Coast Company has Workers Comp. with Florida as the only state listed as item 3A of the
Information page. Sun Coast sends an employee to North Carolina for a month to work on a project. If
the employee is injured in North Carolina, he will be entitled to:
Select one:
a. Federal benefits under Other States coverage
b. No Workers Compensation benefits
c. None of these choices
d. Florida benefits - answer>>d. Florida benefits
All of the following are sliding except:
Select one:
a. telling the applicant that a coverage or product is required by law when such coverage or product is
not required.
b. charging an applicant for a coverage or product in addition to the cost of the insurance coverage
applied for without the informed consent of the applicant.
c. offering part of the commission to the applicant as an inducement for them to buy insurance from
you.
,d. telling the applicant that a coverage or product is included in the policy applied for with no additional
charge, when such charge is required. - answer>>c. offering part of the commission to the applicant as
an inducement for them to buy insurance from you.
John has B.A.P. Liability symbol 1 - any auto; physical damage symbol 2 - Owned autos only. If he has at-
fault accident which will be covered:
a. other parties' wrecked car
b. contents of other parties' car
c. John's wrecked car
d. contents of John's car
Select one:
a. a, b and c
b. c and d
c. a and c
d. b, c and d - answer>>a. a, b and c
A provision granting immediate benefit to insured for revisions that broaden his coverage is called:
Select one:
a. Other insurance
b. Transfer
c. Subrogation
d. Liberalization - answer>>d. Liberalization
For Personal Injury Protection, the owner of a motor vehicle is the:
1. one who holds legal title
2. debtor in possession
3. one who leases with option to purchase
4. one who leases for 6 months or more
,Select one:
a. 2, 3, 4
b. 1, 3
c. 1, 2
d. 1, 2, 3, 4 - answer>>d. 1, 2, 3, 4
Which best describes Loss of income coverage in the Businessowners Policy :
Select one:
a. Limited to 120 days
b. No dollar limit and Includes loss of rents and extra expense
c. Subject to a coinsurance provision
d. Limited to $25,000 - answer>>b. No dollar limit and Includes loss of rents and extra expense
Law firm sued. Former employee named in suit. Covered under Lawyer's Professional if:
Select one:
a. No coverage - not now employed
b. Employed at least 1 year
c. Employed at time of incident
d. Employed at least 2 years - answer>>c. Employed at time of incident
Sally Smith has a covered loss under a Building and Personal Property Coverage form. The cost to
replace the damaged property is $2,200 and actual cash value is $1,600. The loss will be paid: ignoring
deductibles.
Select one:
a. $1,600
b. $2,200 only if the replacement option is purchased.
c. $2,200 without any condition or option.
d. $2,200 if Sally is in compliance with the Coinsurance Condition - answer>>d. $2,200 if Sally is in
compliance with the Coinsurance Condition
, What type of coverage provides protection against catastrophic losses with a deductible, high maximum
limit and coinsurance?
Select one:
a. Hospital Indemnity
b. Medicare Supplement
c. Minor Miracle
d. Major Medical - answer>>d. Major Medical
CGL covers all EXCEPT:
Select one:
a. Damage to property in C.C.C. if caused by fire
b. B.I. liability
c. Insured's own property being damaged
d. Damage to property not in C.C.C. - answer>>c. Insured's own property being damaged
Ocean Cargo coverage that covers goods of a certain class up to certain limits with values to be declared
subsequently with no termination date is called:
Select one:
a. Franchise
b. Valued
c. Open
d. Special - answer>>c. Open
Andy Bare has Mechanical Breakdown Insurance & has a covered breakdown. He incurs the following
costs:
Towing ... $125.00
Repair of damage part ... $1,250.00
Tune-up ... $200.00
Assuming adequate limits and no deductible, the M.B.I. will pay?
