Examination
180 minutes
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State Insurance Claims Adjusters Certification 2024-
2025
Alabama Insurance Adjuster Exam Questions and
Answers | 100% Pass Guaranteed | Graded A+ |
Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
A fire burns down Jenny's Hardware , leaving virtually
nothing salvageable . Which of the following items
would NOT be covered under Coverage B of the
Building and Personal Property Coverage Form in her
commercial property policy ? - =Answer>> A paint
mixer permanently affixed to the floor
A fire in Sarah's factory causes her to shut the factory
doors for 50 days . To limit her loss of income and keep
production going , Sarah spends $ 125,000 renting
equipment and another building . Sarah's commercial
property policy doesn't have Business Income Coverage
, but it does include Extra Expense Coverage . The limit
on her Extra Expense coverage is $ 100,000 and she
has Limits of Loss Payment of 40 % / 80 % / 100 %
during her period of restoration . How much
indemnification will Sarah receive for her extra
expenses ? - =Answer>> $ 80,000
A fire burns down Jenny's Hardware , leaving virtually
nothing salvageable . Which of the following items
would NOT be covered under Coverage A of the
Building and Personal Property Coverage Form in her
commercial property policy ? - =Answer>> An
employee's laptop which she uses for work
Lucille owns her own woodworking business , building
custom items such as dressers , wooden trunks , and
mantelpieces . A fire destroys her entire operation and
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Lucille files a claim with her insurer . Which of the
following would be covered under Coverage A of the
Building and Personal Property Coverage Form in her
commercial property policy ? - =Answer>> A
bandsaw permanently affixed to the floor
On January 27 , 2004 , Ryan was using an exercise bike
from NusquamCycle when the chain broke , causing
him to fall and bruise his knee . Seven years later , on
January 25 , 2011 , Ryan's knee gave out while
jogging . His doctor told him that he'll need surgery and
that this deterioration was probably caused by his
bruise from the exercise bike . Assuming
NusquamCycle is no longer in business , which CGL
policy would cover Ryan's claim filed on January 25 ,
2011 ? - =Answer>> Claims - Made policy from Jan 1
2003 - Jan 1 2004 with a supplemental extended tail .
David just opened his own consulting business , and
has taken on several new clients . He's having difficulty
managing his schedule on top of all the other
responsibilities related to owning his own business , so
he hires Tina via contract to work as his full - time office
manager for $ 15 per hour . According to the definitions
in David's Commercial General Liability policy , which of
the following best describes Tina ? - =Answer>>
Employee
chain broke , causing him to fall and severely three
years later , on January 25 , On January 27 , 2008 ,
Ryan was using an exercise bike purchased from
NusquamCycle when the bruise his knee . It seemed to
heal just fine , but 2011 , Ryan's knee gave out while
jogging . His doctor told him that he'll need surgery and
that this deterioration resulted from the earlier accident
with the exercise bike . Which of the following CGL
policies may cover Ryan's claim filed January 25 ,
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