Texas All-Lines Adjuster Practice Test
TX Adjuster Marine, Additional Coverages & E&O Practice Questions
Marine, Additional Coverages & E&O makes up 3 of every 50 questions on a Tigertest TX 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 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. Cargo is thrown overboard to save a ship in a storm. Under general average, the loss is:
- A.Excluded as an intentional act
- B.Shared by all interests saved
- C.Borne by its owner alone
- D.Paid by the shipowner alone
Answer: B. General average spreads a voluntary sacrifice made to save the voyage among the ship, cargo and freight interests in proportion to their values.
2. Seawater ruins one shipper's goods in the hold, and no sacrifice was made for the voyage. This partial loss is:
- A.A total loss
- B.A sue and labor charge
- C.General average
- D.Particular average
Answer: D. Particular average is a partial loss that falls only on the owner of the damaged property. General average needs a voluntary sacrifice for the common safety.
3. The ocean marine clause that covers a shipowner's liability for colliding with another vessel is the:
- A.Running down clause
- B.Inchmaree clause
- C.Sue and labor clause
- D.Warehouse to warehouse
Answer: A. The running down (collision) clause covers the owner's liability for damage to another vessel and its cargo caused by a collision.
4. Protection and indemnity coverage pays a shipowner's liability for:
- A.Freight income it loses
- B.Repairs from normal wear
- C.Injuries to crew members
- D.Damage to its own hull
Answer: C. P&I is the ocean marine liability coverage: injury to crew and others, damage to piers and other property, and similar legal liabilities. Hull insurance covers the vessel itself.
5. An HVAC contractor wants coverage for units it is installing at a customer's building until the job is accepted. It should buy:
- A.A contractors equipment floater
- B.A garagekeepers policy
- C.An installation floater
- D.A bailee's customers policy
Answer: C. An installation floater covers materials and equipment being installed, while in transit, at the site and until the installation is accepted. An equipment floater covers the contractor's tools.
6. A personal articles floater on fine art usually covers the scheduled items:
- A.Worldwide, on open perils
- B.In the US only, fire only
- C.Only while in transit
- D.Only at home, named perils
Answer: A. Personal and commercial floaters follow the property: scheduled items are typically covered anywhere in the world on an open perils basis.
7. After a fire, a city orders the undamaged half of an old building torn down. Ordinance or law Coverage A pays for:
- A.Rent lost during repairs
- B.The cost of the demolition
- C.The higher cost to rebuild to code
- D.The value of the undamaged part
Answer: D. Coverage A pays the loss in value of the undamaged portion. Coverage B pays demolition cost, and Coverage C pays the increased cost of construction to meet code.
8. A law firm's client files are destroyed in a fire. The coverage that pays to research and re-create them is:
- A.Garagekeepers
- B.Valuable papers and records
- C.Accounts receivable
- D.Employee dishonesty
Answer: B. Valuable papers and records coverage pays the cost to research, replace or restore lost information on documents. Accounts receivable pays sums the insured cannot collect.
9. A repair shop's coverage for damage to customers' cars left in its care is:
- A.Motor truck cargo
- B.Garagekeepers
- C.Garage liability
- D.Business auto
Answer: B. Garagekeepers covers damage to customers' autos in the insured's care, custody or control. Garage liability covers injury and damage from the garage's operations.
10. An insured lets the underlying auto policy lapse and then causes a serious crash. The umbrella policy pays:
- A.Up to the underlying limit
- B.Half the loss, pro rata
- C.From the first dollar of the loss
- D.As if the underlying were in force
Answer: D. If required underlying insurance is not maintained, the umbrella pays only what it would have paid had that insurance been in force. The insured bears the gap.
Practice all 12 marine, additional coverages & e&o 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.
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