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All-Lines Insurance Adjuster Exam (Texas and Florida 6-20)

Auto, liability and workers' compensation: practice questions

Our Insurance adjuster (all lines) bank has 38 questions on this topic. Here are 5 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1

Part Two (employers liability) of the workers' compensation policy covers:

  1. Statutory medical benefits for injured workers
  2. Benefits for injuries in other states
  3. Employee theft of the employer's money, securities and other property
  4. Work-injury lawsuits outside the compensation law
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D. Work-injury lawsuits outside the compensation law — Employers liability covers suits such as third-party-over actions, consequential injury claims by family members, and dual capacity suits, subject to limits.

Question 2

Under a claims-made CGL policy, a claim is covered if:

  1. The injury occurred at any time in the past, whenever the claim is reported
  2. It is first made in the policy period, for injury after the retro date
  3. The injury occurred during the policy period only
  4. The claim is made within 10 years after the policy ends
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B. It is first made in the policy period, for injury after the retro date — Claims-made forms cover claims first made during the policy period for injury that took place on or after the retroactive date (and before the end of the period).

Question 3

Under the Texas Labor Code, recovery of workers' compensation benefits is, for a covered employee:

  1. The exclusive remedy against the employer for a work injury
  2. One of several remedies the employee may combine in one suit
  3. Available only if the employer was negligent
  4. A bar to any claim against third parties
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A. The exclusive remedy against the employer for a work injury — Tex. Labor Code 408.001(a): recovery of workers' compensation benefits is the exclusive remedy of a covered employee against the employer or its agent or employee.

Question 4

Which four elements must a plaintiff prove to establish negligence?

  1. Intent, malice, publication and harm
  2. Offer, acceptance, consideration and capacity
  3. Duty, breach of duty, proximate cause and damages
  4. Fault, notice, warranty and loss
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C. Duty, breach of duty, proximate cause and damages — Negligence requires a legal duty, a breach of that duty, causation (proximate cause) and actual damages.

Question 5

Which CGL limit caps payments for injuries from the insured's products after they leave its premises?

  1. Each occurrence limit only
  2. Damage to premises rented limit
  3. Medical expense limit
  4. Products-completed operations aggregate limit
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D. Products-completed operations aggregate limit — The CGL has a general aggregate, a separate products-completed operations aggregate, each occurrence, personal and advertising injury, damage to premises rented and medical expense limits.

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