Florida Insurance Claims Adjuster License Practice Exam

What does Intentionally Injury coverage exclude?

1. All injuries

2. Injuries to employees

3. Injury or damage expected or intended by the insured

4. Injuries occurring before the policy period

The correct answer is: Injury or damage expected or intended by the insured

Intentional Injury coverage is meant to cover unexpected or accidental injuries or damage. Option A is incorrect because it excludes all injuries, which would leave the insured with no coverage. Option B is incorrect because it excludes only injuries to employees, but injuries to anyone else would still be covered. Option D is incorrect because injuries occurring before the policy period may still be covered depending on the terms of the policy. Option C is the correct answer because it excludes any injuries that were expected or intended by the insured, as this would fall under intentional harm and not accidental injury.