Arkansas Insurance Adjuster Practice Exam 2026 - Free Insurance Adjuster Practice Questions and Study Guide

Question: 1 / 400

Which statement BEST describes the 'Follow Form' in excess liability coverage?

Excess liability insurance that 'follows' the base policy, but includes its own set of limitations and exclusions

Insurance coverage that is written on the Standard Liability Insurance Form provided by NAIC

Excess liability insurance that often covers more risks than the base policy

Excess liability insurance that 'follows' the base insurance policy to the letter

The 'Follow Form' in excess liability coverage refers to the term used in insurance policies where the excess insurance policy follows or conforms to the terms and conditions of the underlying (base) insurance policy. This means that the excess policy will only provide coverage if the base policy also provides coverage for the same risks. Therefore, options A, B, and C are incorrect because they mention additional limitations or coverage that may not necessarily be applicable in the excess policy. Option D is the best answer as it accurately explains the concept of 'Follow Form'.

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