Florida 6-20 Adjuster Practice Test
FL 6-20 Adjuster General Liability, Umbrella, Boiler & Crime Practice Questions
General Liability, Umbrella, Boiler & Crime makes up 4 of every 50 questions on a Tigertest FL 6-20 Adjuster practice test. Here are 10 of the 16 questions on it, each with the answer and the reason.
Updated by the Tigertest team. Based on the Florida all-lines adjuster content outline effective January 2026. Original questions; 50 per test, weighted like the real 100-question exam. Not affiliated with the Florida Department of Financial Services or Pearson VUE.
1. CGL Coverage A excludes bodily injury to the insured's own employees in the course of their work because that exposure belongs under:
- A.Professional liability
- B.Workers' comp and employers liability
- C.Coverage C medical payments to others
- D.A commercial umbrella only
Answer: B. The CGL's employer's liability exclusion sends work injuries to employees to the workers compensation and employers liability policy.
2. Under CGL Coverage C, medical expenses must be incurred and reported within how long after the accident?
- A.90 days
- B.Two years
- C.Three years
- D.One year
Answer: D. The commercial general liability form pays Coverage C expenses incurred and reported within one year of the accident date.
3. Which offense is covered under CGL Coverage B, personal and advertising injury?
- A.Malicious prosecution
- B.Injury from a defective toy
- C.A customer slip and fall
- D.Damage to a rented car
Answer: A. Coverage B covers listed offenses such as false arrest, malicious prosecution, wrongful eviction, libel, slander and copyright infringement in an advertisement. Slip and fall and product injuries are Coverage A bodily injury.
4. A claims-made CGL policy covers a claim only if it is:
- A.Reported within ten years
- B.Settled before expiration
- C.First made during the policy period
- D.Caused during any earlier policy year
Answer: C. A claims-made form is triggered by a claim first made during the policy period (or an extended reporting period) for injury after any retroactive date.
5. Under the CGL, the cost to withdraw defective products from the market is excluded by the:
- A.Pollution exclusion
- B.Contractual exclusion
- C.Product recall exclusion
- D.Your work exclusion
Answer: C. The recall of products, work or impaired property exclusion bars the cost of withdrawing, inspecting or replacing products; recall coverage is sold separately.
6. On the CGL, the products-completed operations aggregate limit is:
- A.Separate from the general aggregate
- B.Used only for premises claims
- C.Used for employee injuries
- D.Included within the occurrence limit
Answer: A. The CGL has a general aggregate for most claims and a separate products-completed operations aggregate, so a product loss does not erode the premises limit.
7. The CGL 'damage to premises rented to you' limit mainly covers:
- A.Injury to the landlord on a visit
- B.The landlord's lost rent
- C.The tenant's own contents
- D.Fire damage to rented premises
Answer: D. The exception to the property damage exclusions pays for damage by fire to premises rented to the insured, and other damage to premises rented for 7 days or less, up to this limit.
8. The standard CGL pollution exclusion generally does not apply to bodily injury caused by:
- A.A leaking fuel tank
- B.Smoke from a hostile fire
- C.Fumes from a waste dump
- D.Chemicals spilled at a job
Answer: B. The pollution exclusion has an exception for bodily injury or property damage from heat, smoke or fumes from a hostile fire, one that becomes uncontrollable or breaks out from where it was meant to be.
9. Employment practices liability insurance covers claims of:
- A.Employee theft of cash
- B.Wrongful termination
- C.Workplace back injuries
- D.Unpaid overtime wages
Answer: B. EPL covers claims such as discrimination, harassment and wrongful termination. Work injuries are workers' compensation, overtime claims are usually excluded, and theft is crime coverage.
10. Professional liability (errors and omissions) insurance responds to claims of:
- A.Accidents in company cars
- B.Theft by an employee
- C.Bodily injury on the business premises
- D.Negligent professional services
Answer: D. E&O covers financial harm from negligent acts, errors or omissions in rendering professional services, usually on a claims-made basis.
Practice all 16 general liability, umbrella, boiler & crime questions, and the rest of the 200-question bank, in the free FL 6-20 Adjuster training sets. Questions you miss come back until you have mastered them.
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