FLORIDA PROPERTY & CASUALTY INSURANCE FLORIDA 2-20 AGENTS LICENSE EXAM 2026 STUDY QUESTIONS WITH CORRECT ANSWERS GUARANTEED PASS | RATED A+

FLORIDA PROPERTY & CASUALTY INSURANCE FLORIDA 2-20 AGENTS LICENSE EXAM 2026 STUDY QUESTIONS WITH CORRECT ANSWERS GUARANTEED PASS | RATED A+
What is the standard deductible for Citizens homeowners policies not including mobile homes? -
Answer>>> $1,000 all other perils/2% hurricane
Citizens homeowners does not include coverage on all the following EXCEPT: - Answer>>>
Building under construction for named insured
Mr. Smith conducts farming operations for his neighbor based on a $5,000 annual contract. If he
backs his tractor into someone else's truck, what would he need on his farm liability policy to be
covered? - Answer>>> Custom farming endorsement
An umbrella can be broader than the underlying policies and may respond as primary coverage.
The policy contains a feature that is similar to a deductible that applies when this situation
occurs. This is called: - Answer>>> Self-insured retention
What does Employment Related Practices Liability cover? - Answer>>> Liability arising out of
injury from employment related offenses
The Farm Liability Policy automatically includes which of the following? - Answer>>> Personal
injury liability
Which of the following is NOT true of the Supplemental Extended Reporting Period? -
Answer>>> Provides for one new aggregate limit
An Excess Policy that provides the same coverages, provisions, and exclusions as the underlying
policy is called: - Answer>>> Follow Form Excess
Which of the following best describes an insured's position regarding coverage under the
Commercial General Liability Policy when a product is manufactured in the U.S and a claim
occurs in Japan? - Answer>>> Covered only if the lawsuit is brought in the U.S., Canada, or
Puerto Rico
Under a Commercial General Liability Contract, how many days notice of cancellation must the
insurer provide for non-payment of premium? - Answer>>> 10
Which of the following is NOT a coverage territory for Commercial General Liability? -
Answer>>> France
- The CGL coverage territory includes the U.S. and its territories or possessions, Puerto Rico and
Canada. The definition is expanded to all other parts of the world as to BI or PD provided the
suit is brought in the U.S., its territories or possessions, Puerto Rico or Canada, and the insurer
agrees to the resulting settlement
One cannot insure against a loss that is already known to have occurred. This is defined as: -
Answer>>> Known Loss Rule
Any claim for which the Umbrella Policy is primary is subject to a deductible known as the: -
Answer>>> Self-Insured Retention
All of the following are deductibles for FAJUA Physical Damage Coverage EXCEPT: -
Answer>>> $2,500
All of the following coverages are available for FAJUA commercial vehicles over 10,000 lbs
EXCEPT: - Answer>>> Collision
Which of the following state-created markets provides coverage for employers who are unable to
secure workers' compensation coverage? - Answer>>> FWCJUA
Which cycle usually spawns more unauthorized entity fraudulent activity? - Answer>>> Hard
cycle
All of the following are considered Employment EXCEPT: - Answer>>> A farm with four fulltime employees
A small farm should have five or less full-time employees
Another name for a "Cost Plus" plan is: - Answer>>> Retrospective Rating Plan
Which of the following is NOT covered by Part Two: Employers Liability? - Answer>>> Claims
for wrongful termination
Once a Workers Compensation policy has been in effect for over 90 days, the
cancellation/nonrenewal notice requirement is: - Answer>>> 45 Days
Who is responsible for enforcing and administering all aspects of Rating? - Answer>>> National
Council on Compensation Insurance
After the expiration of a Workers Compensation Policy, how many years does the insurer have to
audit the insured's records? - Answer>>> Three
A disabled person who is capable of performing some type of gainful work would be classified
as: - Answer>>> Permanent Impairment
Which of the following benefits are paid under Workers Compensation Laws? - Answer>>>
Medical
Rehabilitation
Disability Income
What building coverage is built into the Businessowners Policy for newly acquired locations? -
Answer>>> $250,000 up to 30 days
What are the two coverage forms offered in the Businessowners program? - Answer>>> Basic
Form/Special Form
Which of the following best describes the Business Income Coverage provided under the
Businessowners policy? - Answer>>> Actual loss sustained up to 12 months with no dollar limit
What is the Aggregate Limit, which is located in the liability section, of the Businessowners
Policy? - Answer>>> Twice the Occurrence limit
Jenny's Craft Shop has a Businessowners policy with $1,000,000 for liability. The policy
includes Products and Completed Operations coverage. The aggregate for this coverage is: -
Answer>>> 2 million
All of the following are benefits of a Commercial Package Policy EXCEPT: - Answer>>>
Additional policies to underwrite
Areas of eligibility in a Businessowners Policy include all of the following EXCEPT: -
Answer>>> Banks
What amount applies to Business Personal Property other than "Money and Securities,"
"Valuable Papers and Records" and "Accounts Receivable" while off premises? - Answer>>>
$5,000
The Fire Department Service Charge under a Businessowners Policy is: - Answer>>> $1,000
The Forgery or Alteration coverage under a Businessowners Policy is: - Answer>>> $2,000
This optional coverage insures against theft, disappearance, or destruction of money and
securities: - Answer>>> Money and Securities
What is the per-person Medical Payments limit under the Businessowners Liability Coverage
Form? - Answer>>> $5,000
Which of the following coverages are elective in a Commercial Package Policy? - Answer>>>
Pollution Liability
If an agent violates any provision of the Unfair Methods of Competition and Unfair or Deceptive
Acts statute they could be subject to the following fines: - Answer>>> $5,000 for each non
willful violation and $40,000 for each willfull violation
How many days does an agent have to notify the DFS if their contact information changed? -
Answer>>> 30 days
All of the following fall under the definition of sliding EXCEPT: - Answer>>> Giving the
applicant a portion of the commission
Knowingly making false or maliciously critical comments to injure a person is known as: -
Answer>>> Defamation

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