Arizona Adjuster Practice Exam

What type of coverage might be more suitable for a camper with plastic windows used in business?

1. General liability coverage

2. Full coverage

3. Specified causes of loss coverage

4. Comprehensive coverage

The correct answer is: Specified causes of loss coverage

Specified causes of loss coverage is particularly suitable for a camper with plastic windows used in business because it offers protection against specific risks that may affect the camper. These risks could include events such as theft, vandalism, fire, or certain natural disasters, which are of concern for business use of a camper. Since plastic windows can be more vulnerable to damage compared to traditional glass windows, specified causes of loss coverage ensures that any damage or loss resulting from the specified risks is covered, providing security for the business owner. This type of coverage typically outlines exactly what is included, allowing the camper owner to have clarity on protection for their asset in a business context. In contrast, general liability coverage would not address physical damage to the camper itself, as it focuses on liability arising from third-party claims. Full coverage could imply a broader form of insurance but often is interpreted as a mix of liability and physical damage rather than addressing specific risks. Comprehensive coverage generally covers a wider range of risks, often related to individual policies for vehicles; however, it does not focus specifically on the unique vulnerabilities of a camper used for business purposes. Thus, for a business context and considering the materials involved, specified causes of loss coverage is indeed more aligned with the needs of a camper with plastic