Florida Insurance Licensing Practice Exam

Which form would cover a claimant getting ill from eating undercooked fish at a restaurant?

1. A products and completed operations form

2. A premises and operations form

3. An owner's and contractor's protective liability form

4. A liquor liability form

The correct answer is: A premises and operations form

A products and completed operations form would cover damages or injuries caused by a product sold or manufactured by the business, such as food poisoning from a contaminated product. An owner's and contractor's protective liability form would cover damage or injuries caused by the activities of a contractor or subcontractor hired by the business, such as faulty construction leading to food-borne illness. A liquor liability form would cover incidents related to the serving or selling of alcohol, such as alcohol poisoning or drunk driving accidents. The correct answer, a premises and operations form, covers any incidents that occur on the business premises or through its daily operations, such as illnesses caused by undercooked fish at a restaurant. This form is often referred to as a general liability insurance form and is typically purchased by businesses to cover a wide range of potential liabilities.