Arkansas Insurance Adjuster Practice Exam

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Prepare for the Arkansas Insurance Adjuster Exam with flashcards and multiple choice questions, each offering hints and explanations. Equip yourself for your test confidently!

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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What item would NOT be covered under Coverage A of the Building and Personal Property Coverage Form in a commercial property policy if a fire destroyed Jenny's Hardware?

The lumber storage shed, listed on the dec page
The brand new flooring Jenny had installed a month ago
The heating and air conditioning system
An employee's laptop used for work

The correct answer is: An employee's laptop used for work

The item that would NOT be covered under Coverage A of the Building and Personal Property Coverage Form in a commercial property policy is an employee's laptop used for work. This is because Coverage A only applies to physical structures and permanently attached fixtures of the insured property, such as the lumber storage shed, flooring, and heating and air conditioning system. Personal items or assets used for business purposes, such as an employee's laptop, would fall under Coverage B, which covers personal property of others. Therefore, in this case, the damage to Jenny's employee's laptop due to the fire would not be covered under the Building and Personal Property Coverage Form.