Revise with instant feedback: the moment you pick an answer you see whether it was right, with the written, source-cited explanation. Untimed — ideal before you sit a mock exam. Questions you miss keep coming back until you know them.
Exam-day conditions: no feedback until you submit, each module scored separately like the real test, with a full question-by-question review at the end.
Each module is scored separately here so you know exactly where you stand. To pass the real Florida exam you need 70%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Florida issues a 2-20 General Lines (Property & Casualty) agent license. The Pearson VUE exam has 100 scored questions and requires 70% to pass. This bank covers the national property & casualty material plus Florida law - no-fault auto, property and homeowners (including Citizens, FIGA and hurricane rules), and workers' compensation.
You need 70%. Revise each module to that level in Revision Mode, then run the full exam simulation in Exam Mode before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Florida Statutes (Chapters 324, 440, 627 and 631) for the state-law questions, with the statute section cited in each explanation.
The full Florida bank contains 1003 questions (general insurance plus Florida law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
Under §440.107, the Department may assess an additional penalty of how much for each worker the employer misrepresents as an independent contractor but who is not one?
Why: Section 440.107(7)(f) authorizes a penalty of $5,000 for each employee the employer represents as an independent contractor who is determined not to be one under §440.02.
If a policyholder already had a hurricane loss earlier in the calendar year, what deductible may the insurer apply to a subsequent hurricane the same year?
Why: §627.701(5)(a)3. lets the insurer apply the greater of the remaining hurricane deductible or the non-hurricane deductible to a subsequent hurricane that year.
Regular (non-emergency) assessments FIGA levies against any insurer may not exceed, in any one calendar year, what percentage of that insurer's direct written premiums for the kinds of insurance in the account?
Why: §631.57(3)(a) caps FIGA's regular assessment at 2% of the insurer's direct written premiums in any one calendar year for the relevant account.
Which of the following best distinguishes FELA from a typical state workers' compensation system?
Why: Unlike no-fault state WC systems, FELA requires the injured railroad worker to prove the employer's negligence to recover damages.
A medical provider generally may not bill for treatment rendered more than how many days before the postmark date of the statement of charges?
Why: Section 627.736(5)(c) bars charges for treatment rendered more than 35 days before the postmark date (extendable to 75 days if a notice of initiation of treatment is submitted within 21 days).
Under Fla. Stat. §627.4133, how much advance written notice must an insurer give the first-named insured before nonrenewing, canceling, or terminating a personal lines or commercial residential property insurance policy (other than for the special short-notice exceptions)?
Why: For residential property policies, §627.4133(2)(b) requires at least 120 days' advance written notice of nonrenewal, cancellation, or termination, with the reason stated.
Under a value reporting form, what happens if the insured underreports values at the last report before a loss?
Why: The full reporting (honesty) clause penalizes underreporting by limiting recovery to the ratio of the value last reported to the actual value.
In auto insurance, "stacking" of uninsured motorists coverage refers to:
Why: Stacking allows an insured to add together the UM limits for each insured vehicle (or policy) to increase the total amount available.
A provision allowing the insured to transfer policy rights and duties to another party, generally only with insurer consent, is the:
Why: The assignment clause requires the insurer's written consent before the insured can transfer the policy to another party.
Under the PAP, a trailer owned by the named insured is:
Why: Owned trailers are included as covered autos for liability; physical damage on a trailer generally requires it to be scheduled.
A single limit of insurance covering multiple items or multiple locations under one amount is:
Why: Blanket insurance applies a single limit across multiple properties, items, or locations rather than assigning separate limits.
The voluntary and intentional giving up of a known right is called:
Why: A waiver is the intentional and voluntary relinquishment of a known legal right.
Which of the following best describes fraud in an insurance context?
Why: Fraud is an intentional deception or misrepresentation made to gain an unfair or unlawful advantage.
For Florida UM purposes, an 'uninsured motor vehicle' includes an insured vehicle whose liability insurer does what?
Why: Section 627.727(3)(b) includes as 'uninsured' a vehicle whose insurer provides BI limits less than the total damages sustained — the underinsured motorist situation.
18 U.S.C. § 1034 chiefly provides for:
Why: Section 1034 authorizes the Attorney General to bring civil actions, seek injunctions, and impose civil penalties against those who violate Section 1033.
Shareholders sue a corporation's board alleging mismanagement caused a stock drop. Which policy responds?
Why: Claims against directors and officers for wrongful management acts are handled by D&O liability insurance.
The primary purpose of underwriting is to:
Why: Underwriting is the process of evaluating, selecting, classifying, and pricing risks to maintain a profitable book of business.
An insured runs a small in-home daycare for several children. The appropriate way to address the liability and incidental property exposure is the:
Why: A home day care endorsement (a form of permitted incidental occupancy/business endorsement) addresses the liability and limited property exposure of running a daycare from the home.
A heating contractor ships and installs a new furnace; the equipment is stolen from the job site before acceptance. Best coverage:
Why: An Installation floater covers materials and equipment during transit, storage, and installation until the work is accepted by the owner.
A scheduled personal property floater typically provides coverage that is:
Why: Floaters offer broad, frequently worldwide, all-risk coverage for scheduled valuables and commonly apply no deductible.
To register a private passenger vehicle in Florida, the owner must maintain PIP plus what other coverage?
Why: Section 627.7275 requires a PIP policy to also provide property damage liability coverage as required by s. 324.022, which mandates $10,000 PD.
A general lines agent under Florida's definitions may transact any one or more of several kinds of insurance. Which line is included within that definition?
Why: Section 626.015(7) lists health insurance among the kinds a general lines agent may transact, along with property, casualty, surety, and marine.
Which of the following persons is NOT an 'employee' entitled to coverage under Chapter 440?
Why: Section 440.02(18)(d)6. excludes a volunteer; a person receiving no monetary remuneration is presumed a volunteer absent substantial evidence that valuable consideration was intended. Minors, aliens, and non-exempt officers ARE employees.
A farmowners-ranchowners policy is best described as a package that combines:
Why: The farmowners-ranchowners policy is a package combining homeowners-type property and liability coverage with coverage for farm structures, equipment, and operations.
Hired auto physical damage coverage under the BACF can be provided by:
Why: Physical damage on hired autos is added via the appropriate symbol (e.g., 8) or hired auto physical damage endorsement, often with a stated limit.
The 'other insurance' condition in a property policy generally provides that the policy will pay:
Why: When more than one policy covers the same loss, the other insurance condition typically calls for pro-rata sharing based on each policy's limits.
Why does Part One (Workers Compensation) of the standard policy contain no dollar limit of liability?
Why: Part One has no policy limit because the insurer agrees to pay whatever benefits the state statute requires; the statute, not the policy, controls the amount.
A person seeking to reinstate driving privileges after suspension for failing to maintain required security must keep proof of coverage (SR-22-type filing) on file for how long?
Why: Section 324.0221(3) requires the reinstating person to present proof that coverage is in force and to maintain such proof for 2 years.
An injured worker is disabled and off work. After how many days of disability does compensation become payable RETROACTIVELY from the first day (covering the waiting period)?
Why: Section 440.12(1) provides that if the injury results in more than 21 days of disability, compensation is allowed from the commencement of the disability (the 7-day waiting period is then paid).
A large, financially strong corporation chooses to retain its own workers' compensation risk and pay benefits directly, with state approval. This arrangement is called:
Why: Qualified self-insurance allows financially sound employers, with state approval and security/bonding, to pay WC benefits directly rather than buying a policy.