Florida Insurance Claims Adjuster License Practice Exam

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What is mostly excluded from pollution coverage?

  1. All damages

  2. Injury, damage, or clean up costs caused by pollutants

  3. Liability from natural disasters

  4. Injuries to employees

The correct answer is: Injury, damage, or clean up costs caused by pollutants

Pollution coverage typically excludes injury, damage, or clean up costs caused by pollutants. This coverage is specifically designed to protect against claims related to pollution incidents, rather than providing comprehensive coverage for all types of damages. The other options, while they can also result in financial losses, are not typically covered by pollution insurance. Liability from natural disasters, such as floods or earthquakes, may be covered under other types of insurance policies. Injuries to employees are often covered by workers' compensation insurance. While pollution insurance is important for protecting against specific risks, it is not intended to cover all types of damages.

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