Florida Insurance Licensing Practice Exam

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Prepare for the Florida Insurance Licensing Exam with our comprehensive quiz. Featuring multiple-choice questions and detailed explanations, you'll gain the knowledge needed to succeed on your test and secure your license.

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!

Practice this question and more.

Which of the following employees must NOT necessarily have workers compensation?

Government employees
Professional athletes
Construction industry workers in companies with 1 employee
Private employers with 4 or more employees

The correct answer is: Professional athletes

Professional athletes are not required to have workers compensation because they are covered by their own insurance policies, which usually include coverage for any work-related injuries. All other options are incorrect as they fall under the requirements of workers compensation coverage. Government employees are covered by their employer's insurance, construction industry workers are required to have coverage regardless of the number of employees, and private employers with 4 or more employees are also required to have coverage. In summary, professional athletes are the only group that is not mandated to have workers compensation.