Florida Insurance Claims Adjuster License Practice Exam

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What does Employee Injuries coverage exclude?

  1. Liabilities under a workers compensation or similar law

  2. All injuries to employees

  3. Intentional injuries caused by employees

  4. Injuries to the CEO

The correct answer is: Liabilities under a workers compensation or similar law

Employee Injuries coverage typically excludes liabilities that would be covered under a workers compensation or similar law. This is because these types of injuries are typically already covered by these laws, so they are redundant to include in this coverage. Option B is incorrect because Employee Injuries coverage does not exclude all injuries to employees, just those that are already covered by other laws. Option C is incorrect because intentional injuries caused by employees would still be covered under this coverage. Option D is incorrect because injuries to the CEO would likely be covered under directors and officers insurance rather than Employee Injuries coverage.

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