Florida 6-20 Adjuster Practice Test
FL 6-20 Adjuster Inland Marine, Ocean Marine & Aviation Practice Questions
Inland Marine, Ocean Marine & Aviation makes up 3 of every 50 questions on a Tigertest FL 6-20 Adjuster practice test. Here are 10 of the 12 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. The Nationwide Marine Definition classes bridges, tunnels and pipelines as:
- A.Ocean cargo exposures
- B.Instrumentalities of transportation
- C.Domestic shipments in long-haul transit
- D.Commercial property floaters
Answer: B. The Nationwide Marine Definition lets inland marine insurers cover instrumentalities of transportation and communication, such as bridges, tunnels, piers, pipelines and towers.
2. A newly bought piece of jewelry, a class already scheduled on a personal articles floater, is covered automatically for:
- A.60 days
- B.90 days
- C.10 days
- D.30 days
Answer: D. Newly acquired property of a scheduled class is covered for 30 days, up to a percentage of the class limit, if the insured reports it and pays the added premium.
3. Which is an example of a controlled (filed) inland marine form?
- A.Jewelers block
- B.Motor truck cargo
- C.Contractors equipment
- D.Builders risk installation
Answer: A. Filed forms, such as jewelers block, camera and musical instrument dealers, accounts receivable and valuable papers, are standardized and filed with regulators; contractors equipment and transit forms are usually nonfiled.
4. A trip transit policy covers:
- A.The truck that carries the goods
- B.Only the carrier's legal liability
- C.Goods on one named shipment
- D.Every shipment made in a year
Answer: C. A trip transit policy is an inland marine form that covers the owner's goods for a single shipment. An annual transit policy covers all shipments in the year, the truck itself is auto physical damage, and motor truck cargo covers the carrier's liability.
5. The Inchmaree clause in an ocean hull policy covers loss from:
- A.War, capture and seizure while at sea
- B.Delay in finishing the voyage
- C.Latent defects and crew negligence
- D.Normal wear and tear of the hull
Answer: C. The Inchmaree clause extends hull coverage to loss from latent defects in hull or machinery and negligence of the master or crew; wear and tear, war and delay are excluded.
6. An ocean cargo policy's warehouse to warehouse clause means coverage:
- A.Runs from origin to destination
- B.Ends at the loading port
- C.Covers storage periods on shore only
- D.Applies only while at sea
Answer: A. The warehouse to warehouse clause covers the goods from the shipper's warehouse, through the ocean voyage, to the consignee's warehouse.
7. Barratry, a peril named in ocean marine policies, is:
- A.Cargo thrown overboard
- B.Damage from heavy weather and waves
- C.Seizure by a foreign navy
- D.Wrongdoing by the master or crew
Answer: D. Barratry is a willful wrongful act of the master or crew against the shipowner's or cargo owner's interest, such as scuttling or stealing the cargo. Cargo thrown overboard is jettison.
8. The sue and labor clause in an ocean marine policy pays for:
- A.Fines for a late delivery
- B.Costs to save the property from loss
- C.Suits brought by the crew
- D.Normal labor costs to unload the cargo
Answer: B. Sue and labor reimburses reasonable expenses the insured incurs to prevent or reduce a covered loss, in addition to the policy amount.
9. Freight coverage in ocean marine protects:
- A.Crew wages during repairs
- B.Income earned by carrying cargo
- C.The cargo goods themselves
- D.The ship's hull and its machinery
Answer: B. Freight insurance covers the carrier's revenue for transporting goods, which is lost if the cargo is lost.
10. Which implied warranty is part of an ocean marine policy?
- A.The crew is unionized
- B.The route has port stops
- C.The cargo is perishable
- D.The vessel is seaworthy
Answer: D. Implied warranties in ocean marine are seaworthiness, no deviation from the customary route, and legality of the voyage.
Practice all 12 inland marine, ocean marine & aviation 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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