Florida Insurance Claims Adjuster License Practice Exam

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Prepare for the Florida Insurance Claims Adjuster Test. Access multiple choice questions, flashcards, and detailed explanations to enhance your knowledge and confidence. Start mastering the material today!

Each practice test/flash card set has 50 randomly selected questions from a bank of over 500. You'll get a new set of questions each time!

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Which liability is excluded if the insured is in the business of serving alcohol?

General liability
Liquor Liability
Employment practices liability
Advertising injury liability

The correct answer is: Liquor Liability

Serving alcohol comes with a unique set of risks and potential liabilities. In this scenario, choosing option B, Liquor Liability, as the excluded liability makes the most sense. General liability covers accidents and injuries that might occur on the business's premises, employment practices liability covers claims related to employee discrimination and harassment, and advertising injury liability covers any claims related to intellectual property infringement or false advertising. However, none of these options specifically address the risks associated with serving alcohol. Therefore, it is important for businesses in the alcohol-serving industry to have a separate liquor liability insurance policy to cover this specific type of liability.