Texas All-Lines Adjuster Practice Test
TX Adjuster Commercial Property, Boiler, BOP & Crime Practice Questions
Commercial Property, Boiler, BOP & Crime makes up 4 of every 50 questions on a Tigertest TX 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 Pearson VUE Texas all-lines adjuster content outline effective September 2026. Original questions; 50 per test, weighted like the real 150-question exam. Not affiliated with TDI or Pearson VUE.
1. A tenant restaurant installed a walk-in cooler room it may not legally remove at lease end. Under the Building and Personal Property form, the tenant's interest is covered as:
- A.Fixtures under Building coverage
- B.Improvements and betterments
- C.The landlord's building
- D.Property of others
Answer: B. Your business personal property includes the tenant's use interest in improvements and betterments it paid for and cannot legally remove.
2. Under the Building and Personal Property form, covered property moved to another place to protect it from a covered peril is covered there for up to:
- A.10 days
- B.60 days
- C.Five days
- D.30 days
Answer: D. The Preservation of Property additional coverage insures property while it is being moved or stored elsewhere for up to 30 days after it is first moved.
3. A rooftop air conditioner's motor burns out from an internal electrical failure. The coverage designed for this loss is:
- A.Equipment breakdown
- B.A contractor's floater
- C.Causes of loss special form
- D.Business income
Answer: A. Commercial property forms exclude mechanical breakdown and electrical arcing. Equipment breakdown (boiler and machinery) coverage pays for sudden breakdown of covered equipment.
4. An equipment breakdown inspector finds a boiler in a dangerous condition. Under the policy, the insurer may:
- A.Raise the premium midterm
- B.Order the business closed
- C.Suspend coverage on the boiler
- D.Cancel the entire policy at once
Answer: C. The suspension condition lets the insurer immediately suspend coverage on an object found in or exposed to a dangerous condition by delivering written notice. Other objects stay covered.
5. Which item is an object of the kind an equipment breakdown policy is designed to cover?
- A.A fleet of delivery vans
- B.Inventory on the shelves
- C.A steam boiler
- D.A building's foundation
Answer: C. Equipment breakdown covers boilers, pressure vessels, refrigeration, air conditioning, electrical and mechanical equipment against sudden breakdown.
6. Under the ISO Businessowners Policy, the business personal property limit increases automatically during a peak season by:
- A.25 percent
- B.50 percent
- C.15 percent
- D.10 percent
Answer: A. The BOP raises the business personal property limit by 25 percent to cover seasonal stock, provided the limit was at least the average monthly value over the prior 12 months.
7. Unless the declarations say otherwise, covered building and business personal property losses under the ISO Businessowners Policy are valued at:
- A.Market value
- B.Actual cash value
- C.Agreed value
- D.Replacement cost
Answer: D. The BOP settles building and business personal property losses at replacement cost by default, with actual cash value only for listed items or where shown.
8. Under the Common Policy Conditions, when an insurer inspects a client's premises it:
- A.Must share the cost of fixes
- B.Makes no promise of safety
- C.Certifies code compliance
- D.Takes over safety duties
Answer: B. The inspections and surveys condition says the insurer's right to inspect is for insurability and premium. It does not warrant that conditions are safe or meet codes.
9. A trucking company's insurance that pays for shippers' goods damaged while in its custody is:
- A.An installation floater
- B.Motor truck cargo
- C.Business auto physical damage
- D.Garagekeepers liability
Answer: B. Motor truck cargo insurance covers the carrier's liability, or the owner's interest, for goods being transported by truck.
10. A common carrier is generally not liable for cargo damage caused by:
- A.Theft at a truck stop
- B.A loading dock accident
- C.The driver's negligence
- D.An act of God
Answer: D. Common carriers are liable for goods in their care except for losses from acts of God, acts of public enemies, acts of the shipper, public authority and the inherent vice of the goods.
Practice all 16 commercial property, boiler, bop & crime questions, and the rest of the 200-question bank, in the free TX Adjuster training sets. Questions you miss come back until you have mastered them.
Start practicingFree to start. No account needed.