Arkansas Insurance Adjuster Practice Exam

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A typical workers' compensation policy combines which two basic forms of coverage?

  1. Workers' Compensation and Products Liability

  2. Workers' Compensation and Employers Liability

  3. Professional Liability and Medical Payments

  4. Bodily Injury and Health

The correct answer is: Workers' Compensation and Employers Liability

A workers' compensation policy provides coverage for work-related injuries and illnesses sustained by employees. Additionally, employers liability coverage protects employers from lawsuits related to workplace injuries or illnesses. Both of these coverages are needed in a typical workers' compensation policy to fully protect employers and their employees. The other options, A, C, and D, are incorrect because they do not include both workers' compensation and employers liability coverage. Option A only includes products liability, which covers damages from faulty products, and is not relevant to workers' compensation. Option C includes professional liability, which covers negligence or errors in the performance of professional duties, and is also not relevant to workers' compensation. Option D includes bodily injury and health, which are general types of insurance but do not specifically pertain to workplace injuries and illnesses. Therefore, B is the correct answer as it includes both necessary types of coverage for a typical workers

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