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| Section | Weight | Objectives |
|---|---|---|
| Insurance Principles and Concepts | - Moral hazards - Concealment - Warranties - Insurance contracts - Hazards - Waiver and estoppel - Insurable interest - Physical hazards - Insurance principles and concepts - Morale hazards - Representations and misrepresentations - Fraud | |
| Claims Adjustment Procedures | - Releases - Mediation - Competitive estimates - Advance payments - Execution of releases - Coverage problems - Appraisal - Draft authority - Reservation of rights letters - Non-waiver agreements - Arbitration - Settlement procedures - Subrogation procedures - Alternative dispute resolution - Negotiation - Claims adjustment procedures | |
| Commercial Package Policy | 38% | - Components of a commercial policy - First named insured - Common policy conditions - Monoline versus package policies - Common policy declarations |
| Insurance Regulation | - Bond requirements - Licensing process - License renewal - License maintenance and duration - Qualifications - Temporary adjuster permits - Fingerprinting - Licensing requirements | |
| Commercial Property | - Commercial property forms and endorsements - Businessowners Policy - Commercial property coverage - Commercial General Liability - Commercial Package Policy | |
| New York Unfair Claim Settlement and Prohibited Practices | - Unfair claim settlement practices - New York claim settlement laws and regulations - New York cybersecurity regulation - Insurance fraud and false statements - Consumer privacy requirements - Terrorism Risk Insurance Act | |
| Other Property and Liability Coverages | - Surety and fidelity bonds - Commercial automobile - Flood insurance - Inland marine - Crime insurance - Personal automobile - Aviation insurance - Ocean marine - Workers compensation - Excess liability | |
| Dwelling and Homeowners Insurance | - Homeowners liability coverage - New York specific endorsements - Standard Fire Policy - Homeowners property coverage - Dwelling policies - Personal liability supplement - Personal umbrella policies |
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NEW QUESTION # 18
Leah provides transportation for her client to their business lunch. Leah's client closes the car door on her own hand. What type of coverage applies?
Answer: C
Explanation:
The correct answer is C - Medical payments. Automobile Medical Payments coverage is designed to pay qualifying medical and funeral expenses for the insured and passengers injured in an accident involving the covered automobile, without regard to fault, up to the stated policy limit. New York DFS expressly describes Medical Payments Coverage in these terms.
The client closes the vehicle door on her own hand. No fact establishes negligence by Leah, so liability coverage is not the best answer. Liability coverage ordinarily responds when an insured becomes legally responsible for bodily injury or property damage to another person. Here, the passenger's own action caused the injury.
Physical Damage coverage is also incorrect because it protects against damage to the automobile itself, not bodily injury sustained by a passenger. Health insurance may ultimately address certain medical expenses depending on coordination-of-benefits rules, but it is not the automobile coverage specifically designed for this scenario.
In New York, mandatory No-Fault/PIP may also be relevant to injuries arising from the use or operation of a motor vehicle and is generally primary to health insurance. However, PIP is not one of the options. Among the listed answers, Medical Payments is the intended coverage classification.
Therefore, C is correct.
NEW QUESTION # 19
Which of the following is covered by the Causes of Loss - Special Form under commercial property?
Answer: B
Explanation:
The correct answer is D - Windstorm. The Commercial Property Causes of Loss - Special Form operates primarily on an open-perils basis. Rather than limiting coverage only to individually listed causes of loss, it generally covers risks of direct physical loss unless the cause is specifically excluded or limited by the form.
The Special Form specifically excludes smog. It also contains a Water exclusion that includes flood, surface water, waves, overflow of bodies of water, mudslide, and mudflow. Consequently, options A, B, and C describe causes specifically removed from the broad Special Form coverage grant.
Windstorm, by contrast, is not generally excluded by the standard Causes of Loss - Special Form. Direct physical damage caused by wind is therefore ordinarily covered unless another exclusion, limitation, endorsement, or property-specific provision applies.
This illustrates an essential adjusting distinction. Under a named-perils form, the insured must establish that the damage resulted from one of the listed covered causes. Under an open-perils Special Form, analysis begins with broad direct physical loss coverage and then determines whether an exclusion or limitation removes the loss.
The Series 17-70 outline specifically covers Commercial Property causes-of-loss forms, exclusions, and open- versus-named-peril concepts.
Therefore, D is correct.
NEW QUESTION # 20
Regarding insurance coverage for employment practices exposures, which one of the following statements is TRUE?
Answer: B
Explanation:
The correct answer is C. Employment Practices Liability Insurance (EPLI) is specifically designed to address claims arising from wrongful employment-related conduct. Core exposures include wrongful termination, workplace discrimination, sexual harassment, retaliation, and other specified employment practices. Current EPLI coverage descriptions expressly identify discrimination, harassment, and wrongful termination as principal covered allegations.
Option A is incorrect because EPLI may be written as a standalone policy or incorporated within broader management-liability programs. It is not restricted to being an endorsement to Directors and Officers insurance.
Option B is incorrect because the standard Commercial General Liability policy is not basic professional or employment-practices liability insurance. In fact, many employment-related practices exposures are specifically excluded or inadequately addressed under conventional CGL coverage.
Option D concerns occupational bodily injury. An employee physically injured in the course of employment would ordinarily look to Workers Compensation and Employers Liability, not EPLI. EPLI primarily addresses wrongful employment decisions and conduct rather than workplace accident injuries.
The adjuster must therefore distinguish an employment-practices wrongful act from an employment-related bodily injury. One is principally a management/professional liability exposure; the other is a Workers Compensation/employers liability exposure.
Therefore, C accurately describes the purpose of EPLI.
NEW QUESTION # 21
What is NOT covered in the Farm Liability Coverage Form?
Answer: B
Explanation:
The correct answer is C - Injury to farm employees. The standard Farm Liability Coverage Form provides several principal liability protections. These include Coverage H - Bodily Injury and Property Damage Liability, Coverage I - Personal and Advertising Injury Liability, and Coverage J - Medical Payments.
These correspond directly to options D, B, and A.
In contrast, bodily injury sustained by an employee as a result of employment by the insured is generally excluded from the standard liability coverage. Standard Farm Liability wording excludes most bodily injury to an employee arising out of and in the course of employment, reflecting the principle that occupational injuries should ordinarily be handled through Workers Compensation or specialized farm-employer coverage rather than general farm liability.
Where broader protection for farm employees is needed, specialized endorsements or separate statutory coverage may modify the exposure. An adjuster must therefore distinguish third-party farm liability from an employer's obligations to employees.
The Series 17-70 outline specifically includes farm liability concepts and requires candidates to distinguish covered liability hazards from employee-related exclusions.
Therefore, C is correct.
NEW QUESTION # 22
What is the MINIMUM dollar limit that applies to Workers' Compensation Coverage under Part One of the policy?
Answer: C
Explanation:
The correct answer is C. Part One - Workers Compensation Insurance does not operate with a conventional policy liability limit such as $100,000 or $500,000. Instead, the insurer agrees to pay the workers' compensation benefits that the employer is required to provide under the workers' compensation law applicable to a state listed in the policy.
The New York Compensation Insurance Rating Board states this directly: there is no limit of liability in the Standard Policy for Part One - Workers' Compensation; the contract provides all benefits required by the applicable workers' compensation law.
Options A and B are therefore incorrect because they resemble liability-limit amounts rather than statutory Workers Compensation Part One benefits. Option D is also incorrect. The Information Page identifies the relevant states and other policy data, but it does not transform Part One into a fixed-dollar-limit coverage.
This must also be distinguished from Part Two - Employers Liability Insurance, where limits of liability are relevant. New York has additional state-specific rules concerning employers liability, but those should not be confused with the statutory-benefit structure of Part One.
The Series 17-70 outline expressly tests the Workers Compensation and Employers Liability policy, including Part One-Workers Compensation Insurance and Part Two-Employers Liability Insurance.
Therefore, C is correct.
NEW QUESTION # 23
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