FLORIDA ADJUSTER EXAM<\/p>\n\n\n\n
Which is NOT considered equipment under the equipment
breakdown coverage form?
A. electric motors
B. vacuum tank
C. computers
D. laboratory beakers – ANSWER- D. laboratory beakers\u2026?
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.<\/p>\n\n\n\n
D. does not cover this claim because the contractor knew it
employed Kevin in violation of the law. – ANSWER- D. does not
cover this claim because the contractor knew it employed Kevin in
violation of the law.
What kind of insurance is the coverage in an ocean marine
insurance policy that protects a shipowner against a covered loss to
the vessel but not to its cargo?
A. hull insurance
B. collision insurance
C. protection and indemnity insurance
D. physical damage insurance – ANSWER- A. hull insurance\u2026..?
Why is a homeowners insurance policy considered a package
policy?
A. It combines two or more separate coverages in a single policy
B. It is associated with home ownership
C. It is usually sold with other policies
D. It comes in a policy binder – ANSWER- A. It combines two or
more separate coverages in a single policy
Speedy Trucking Company owns a fleet of trucks. Other companies
hire Speedy to transport their cargo. What kind of company is
Speedy?<\/p>\n\n\n\n
A. for-hire carrier
B. livery service
C. private carrier
D. public conveyance – ANSWER- A. for-hire carrier
A wide variety of products owned by various shippers are
transported aboard the Alejandra, an oceangoing vessel. In the
language of ocean marine insurance, what are these goods aboard
the Alejandra collectively referred to as?
A. loading.
B. consignments.
C. cargo.
D. payload. – ANSWER- C. cargo.
Which coverage under Mason’s garage policy would respond to a
claim for damage to a customer’s car while it was in his shop for
repairs?
A. garagekeepers coverage.
B. liability coverage.
C. physical damage coverage.
D. none, because the customer’s own policy applies. – ANSWER- A.
garagekeepers coverage.<\/p>\n\n\n\n
Banemore Manufacturing Company’s operations involve hazardous
materials and processes. Which situation does NOT involve a
pollutant as defined in the pollution liability coverage forms?
A. Banemore’s cooling towers discharge hot water into a creek.
B. Banemore’s operations interfere with data transmissions in a
nearby neighborhood.
C. Ash from Banemore’s plant collects in a field near the plant.
D. Smoke billows from Banemore’s chimneys. – ANSWER- B.
Banemore’s operations interfere with data transmissions in a nearby
neighborhood.
Randall and Russell make a contract to rob a tourist. They agree
that Randall will lead the tourist near a dark alley where Russell
will take her purse. They promise to share any money and jewelry
they acquire. This agreement is not a valid contract because?
A. It has an illegal purpose
B. It is not in writing
C. It did not include an offer
D. 1t involves more than one person – ANSWER- A. It has an illegal
purpose
The crime insurance policy Jodie is applying for will provide
blanket coverage against employee theft. What does this mean?<\/p>\n\n\n\n
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