10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The FL 2-20 exam has 175 questions and runs 3 hours.
These 10 free FL 2-20 questions are organized by exam domain, so you can see how each part of the Florida 2-20 General Lines (Property & Casualty) Agent Exam blueprint is tested. Reveal the answer and explanation under each question.
An owner-occupant wants one homeowners form that covers both the dwelling and personal property on an open-peril basis, subject to exclusions. Which standard form best matches that request?
Correct answer: B - HO-5 Comprehensive
A covered kitchen fire closes a restaurant for six weeks. The owner rents a temporary commercial kitchen so catering orders can continue. The rent exceeds the restaurant's normal operating costs. Which coverage category is designed for that added expense?
Correct answer: A - Extra expense
A commercial building is valued at $500,000 and carries $300,000 of insurance with an 80% coinsurance requirement. A covered loss is $120,000, and the deductible is $1,000. Using (insurance carried / insurance required) x loss, then subtracting the deductible, what is the insurer's payment?
Correct answer: C - $89,000
Wind tears an opening in an insured roof, and rain is entering the home. After confirming that temporary work can be performed safely, what should the insured do next under ordinary post-loss duties?
Correct answer: A - Make temporary repairs, document the loss, keep receipts, and give prompt notice
A professional liability policy runs from January 1 through December 31, 2026, with a retroactive date of January 1, 2024. A consultant's alleged error occurred in October 2023, and the client first makes the claim in July 2026. What is the effect of the retroactive date?
Correct answer: C - The claim is excluded because the alleged wrongful act occurred before the retroactive date
An employee is injured by a machine at work and receives statutory workers compensation benefits. The employee then sues the machine manufacturer, which brings a third-party-over claim against the employer for alleged negligence. Which part of the standard workers compensation policy is designed for this covered employer liability exposure?
Correct answer: C - Part Two - Employers Liability Insurance
A construction contract requires a subcontractor's commercial general liability policy to name the general contractor as an additional insured on a primary and noncontributory basis. The policy has neither endorsement, but the producer is asked to show both on a certificate of insurance. What should the producer do?
Correct answer: D - Obtain the required endorsements first, then issue an accurate certificate
Which pair correctly identifies the Florida entity that regulates insurer solvency and the entity that pays eligible covered property and casualty claims after a member insurer is liquidated?
Correct answer: B - Office of Insurance Regulation; Florida Insurance Guaranty Association
A Florida driver receives authorized initial treatment 6 days after a crash. The driver has $6,000 in reasonable, medically necessary covered expenses, no PIP deductible, and a qualified provider determines that no emergency medical condition exists. No disability benefits are claimed. How much is payable under PIP medical benefits?
Correct answer: D - $2,500
A Florida homeowners policy has a $400,000 dwelling limit and a 2% calendar-year hurricane deductible. A first hurricane causes a $3,000 covered loss, which the insured absorbs and documents. A second hurricane in the same year causes a $20,000 covered loss. The policy applies the remaining annual hurricane deductible, and no other deductible or limit affects the claim. How much does the insurer pay for the second loss?
Correct answer: B - $15,000; $5,000 of the annual deductible remains
The FL 2-20 exam also covers these domains. Drill them in the full free practice test:
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