Alabama Insurance Adjuster Practice Exam

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Prepare for the Alabama Insurance Adjuster Test. Enhance your readiness with flashcards and multiple choice questions, complete with hints and explanations. Gear up for your exam!

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Which item would NOT be covered under Coverage B of the Building and Personal Property Coverage in a commercial policy?

A paint mixer permanently affixed to the floor
Office furniture
Merchandise inventory
Equipment necessary for business operations

The correct answer is: A paint mixer permanently affixed to the floor

Coverage B of the Building and Personal Property Coverage in a commercial insurance policy typically pertains to personal property owned by the insured that is used in the business and located in or on the insured premises. This coverage includes items like office furniture, merchandise inventory, and equipment necessary for business operations. The item that would not be covered under Coverage B is a paint mixer permanently affixed to the floor. This is because items that are permanently attached to the building, such as built-in appliances or fixtures, are generally considered part of the building itself and fall under Coverage A rather than Coverage B. Coverage A protects the structure and any fixtures that are integral to it, while Coverage B is designed to cover movable items and personal property that is not affixed to the building.