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

Workers' compensation (TX): practice questions

Our Insurance adjuster (all lines) bank has 25 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 · Texas

A Texas nonsubscriber (employer without workers' compensation) is sued by an injured employee. Which defense is NOT available?

  1. That the employee was contributorily negligent
  2. That the employee intended to cause the injury
  3. That the employee was intoxicated
  4. That the employer was not negligent
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A. That the employee was contributorily negligent — Labor Code 406.033: nonsubscribers lose contributory negligence, assumption of risk and fellow-servant defenses, but may defend on intent or intoxication; the employee must still prove the employer's negligence.

Question 2 · Texas

Under the Texas Workers' Compensation Act, 'course and scope of employment' generally excludes:

  1. Work done on the employer's premises
  2. Errands the employer directs
  3. Work done at a customer's site
  4. Ordinary commuting, with some exceptions
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D. Ordinary commuting, with some exceptions — Labor Code 401.011(12)(A).

Question 3 · Texas

Is a private Texas employer required to carry workers' compensation insurance?

  1. Yes, every employer must carry it
  2. Yes, if it has one or more employees
  3. No, it is generally elective
  4. Only if it has more than 100 employees
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C. No, it is generally elective — Texas Labor Code 406.002: except for public employers and as otherwise provided, an employer may elect to obtain coverage.

Question 4 · Texas

An injured Texas employee must file a claim for compensation with the Division of Workers' Compensation within:

  1. 30 days
  2. Six months
  3. Two years after the injury, or after the last payment
  4. One year after the injury
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D. One year after the injury — Labor Code 409.003.

Question 5 · Texas

Under Texas Labor Code 406.033, an employee's agreement made before an injury to waive the right to sue a nonsubscriber employer is:

  1. Valid if in writing
  2. Void and unenforceable
  3. Valid if notarized
  4. Valid for injuries under $10,000
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B. Void and unenforceable — Labor Code 406.033(e).

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