ACA HCC

A Joint Underwriting Association is made up of:

Determine an accident, incident, peril or occurrence can be considered under the property policy is called determining?

Long Term Care Policies have a policy continuation provision that is:

coverage for machinery and tools away from its insured premises this Commercial Inland Marine form is purchased.

Which of the below is NOT allowed for coverage in the Homeowners Program (HO 2, 3, 4, 5, 6, 8,)?

A covered claim in Employment-Related practices Liability (EPL) is:

Individuals who do not own a vehicle but are required to have a Personal Automobile Policy purchase:

Section II - Homeowners Policy Liability coverage has two coverages

insurance policy has the policy conditions of Examination of Books and Records along with Inspections and Surveys is the

Under Ocean Marine Insurance, coverage for loss of income from shipping for others is found in:

Basic limits for Medical Payments and Liability provided in Section I| - Homeowners Policy Liability are:

In order to transact business in FL an insurance company must have issued to it:

Which of the following activities can result in adjuster license revocation?

Commercial General Liability policy has this provision the policy requires that a covered claim occur on or after the

The endorsement that is added to Section II -Homeowners Policy Liability for coverage arising out of Libel & Slander is:

Garage Policy tht eliminates exclusion to liability tht arises out of prperty n the care custody&control of theinsuredis

There is a requirement that the adjuster must notify the Department of an address change:

The minimum split limits for automobile liability insurance in FL is:

The continuing education requirement every two years for adjusters in Fl is

The lenders in property/building insurance are protected in the policy by

coverage for claims arisin voluntarily parting with or acquiring a vehcle by trick Such as fraud - illegal documentation

There is a Florida requirement for response from the adjuster to communications from insureds regarding claims.

Liability claims against airlines can be settled without going to court can be settled how

personal automobile endorsement is needed when the insured has a non-owned automobile furnished for his regular use?

Inquiries from the Department of Financial Services to an insurance company or adjuster must be answered in:

A coverage available to provide for catastrophic liability claims in excess of underlying coverages is:

A Flood Policy covers damage which reslts from overflow of inland or tidal waters Rapid Accumulation of surface waters &

The Homeowners 2 Policy has less coverage than the HO-3 because the HO-2 policy is insured with:

Under the homeowners Policy Cov B is for detached structures and 10% of Cov A

Personal Auto Insurance Policy 250 deductible and replacement for a $700 windshield claim is presented, how much is paid

Mechanical Breakdown Insurance coverage excludes

Authorized insurance companies in FL can do this activity: Solicitation of insurance plus

bond for financial institute to issue securities to the public for the first time or to offer an initial issue security

Automobile liability policy coverage comes into effect when the insured causes Bodily injury or:

adjuster is responsible for loyalty, and fidelity and must protect the property and assets of the employer or principal

Covered vehicle operators in the Business Automobile Policy:

The Department of Financial Services does not

The Garage Insurance Policy provides liability coverage arising out of Operations of the insured business and:

Settlement for negligence claim resulting in total payment

Automobile physical damage claims are adjusted with this method, actual cash value or:

one to four family dwellings rented to others or dwellings owned by corporations the policy best for these is:

The Liquor Liability is excluded in the General Commercial Liability policy if the insured:

Not covered for a listed item that is insured item under a Personal Inland Marine Policy:

A terminated adjuster license appointment has_____ months to secure another appointment.

The primary difference between the DP-1, DP-2 and theDP-3 policies relates to the

Crime Coverage form for a claim where an employee forges the insured’s signature on a check is found in this crime form

Workers’ Compensation policies apply to “employments’ which are defined as:

When Commercial & Personal Property Policies include coverage selected for the building this is included in the building

The Ocean Marine Insurance Peril related to voluntary sacrifice of cargo to save the ship is called?

Basic claim handling activities include investigate, evaluate and:

Inland Marine Policies are generally for coverage:

broadens a coverage for new policy holders and does not increase the premium, current policy holders at no cost

Section II - Homeowners Policy Liability. Under the Additional Coverage Section is found coverage for:

A concept found in the basic definition of Insurance is:

Eligible buildings in the Flood Insurance Program must have two or more rigid walls with a roof and:

The failure to exercise that degree of care which the law requires to protect others from an unreasonable risk of harm

How long does an adjuster have to review and acknowledge receipt of a claim communication under Florida law

The Professional Liability Insurance for Lawyers

Commercial General Liability Policy has a liability coverage for claims away from the premises called

Causes of loss Forms available n the Commercial Prperty Policy One diff is the # of listd perils with the Special Form

In Workers’ Compensation there is coverage for injures related to or arising from work and the medical bills are:

Section II - Homeowners Policy Liability coverage excludes claims arising out of:

In the Business Automobile Policy there are several automobile Symbols, which is the broadest for wide range vehicle

JUA that is Florida’s homeowners’ insurance option when coverage is not found in the voluntary market is:

Under the Homeowners Policy both Coverages A and B are settled on a replacement cost basis when this is met:

The Health Policy with the broadest inclusive coverage for most illness or injuries and the best price is the:

The Garage Insurance Policy provides liability coverage for

Worker Compensation payments arising out of the failure to use safety equipment results in:

Under the Homeowners Policy Coverage C is for ________ and usually is ___% of Coverage A.

Coverage under business auto policy for physical damage to autos has 3 principle coverages, comprehensive collision &

Physical damage in the personal auto policy has two coverages.

events between an occurrence and damage that grows out of the occurrence results in all the damages being a part of

This is usually a three-party contract to guarantee the obligation of another.

Boiler and Machinery Coverage provides for claims arising out of_____________________. The others are exclusions:

WC claims are paid at a percentage of the employees’ salary not to exceed the Statewide Average Weekly Wage.

Under the Code of Ethics for adjusters in Florida adjusters may not directly negotiate with a claimant that is:

Not in Motion” coverage in an Aviation Insurance Policy is for aircraft claims on aircraft that are:

Losses in an Ocean Marine Policy caused by fraud on the part of the crew is called:

Which of the following activities can result in adjuster license revocation

To consider the merits of damage from another party , adjuster must determine

All of the following are excluded in the Homeowners policy EXCEPT

What is the symbol in the Business Auto Policy with the broadest coverage?

Under the Towing and Labor coverage endorsement to the Personal Automobile Policy, labor is covered at:

A condition that introduces or increases the likelihood of loss is called a/an:

An insurable contingency that may cause a loss is called a/an:

legally obligated to pay damages to another party outside of the insured policy contract that payment is said to be paid

Which of these cannot be covered in the Business Auto Policy?

This is an additional coverage in the homeowners policy

A primary goal of the adjuster is to

When calculating how PIP (N0-Fault) with a deductible pays the deductible is always applied:

PIP or No-Fault coverage in FL applies to:

Common Homeowners insurance exclusion

An additional rating factor for the Business Auto Policy not found in the Personal Auto policy is:

The Homeowners 2 policy is for primary single-family residences and the HO-6 is for:

injury claim to the insured in an automobile insurance policy caused by a hit and run driver is found in this coverage.

What is the normal coverage for used autos in the Mechanical Breakdown Coverage policy?

negligent damage to property owned by others that is in the care, custody and control of the insured is found in the: