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Insurance Licensing NY-Independent-General-Adjuster Exam Syllabus Topics:

Section	Weight	Objectives
Adjusting Losses	11%	- Role of the Adjuster 1. Independent, Staff and Public Adjusters 2. Duties and Responsibilities - Claim Investigation 1. Claim Reporting and Documentation 2. Evidence and Witness Statements - Property and Liability Losses 1. Estimates, Depreciation and Salvage 2. Coverage Verification and Loss Evaluation - Claim Settlement 1. Subrogation, Appraisal and Arbitration 2. Negotiation and Releases
Dwelling Policy	6%	- Coverage Forms and Perils 1. Covered Perils 2. Basic, Broad and Special Forms - Exclusions, Conditions and Endorsements 1. New York and Selected Endorsements 2. General Exclusions and Conditions - Property Coverages 1. Dwelling and Other Structures 2. Personal Property and Loss of Use
Accident and Health Insurance Basics	6%	- Accident and Health Claims 1. Notice and Proof of Loss 2. Investigation and Payment of Claims - Limited Policies 1. Hospital, Dental and Vision Coverage 2. Accident-Only and Specified Disease - Types of Coverage 1. Disability, Medical and Long-Term Care 2. Accidental Injury and Sickness
Homeowners Policy	10%	- Liability Coverages 1. Personal Liability 2. Medical Payments to Others - Selected Endorsements 1. New York Special Provisions 2. Earthquake, Identity Fraud and Home Business - Property Coverages 1. Dwelling, Other Structures and Personal Property 2. Loss of Use and Additional Coverages - Perils, Exclusions and Conditions 1. Exclusions and Conditions 2. Perils Insured Against - Coverage Forms 1. HO-2 through HO-6 2. HO-8
Commercial Package Policy	38%	- Transportation Coverages 1. Common Carrier Legal Liability 2. Motor Truck Cargo 3. Transit Coverage - Commercial Policy Components 1. Common Policy Declarations 2. Common Policy Conditions - Commercial Inland Marine 1. Accounts Receivable and Valuable Papers 2. Marine Definition and Conditions 3. Jewelers Block, Signs and Electronic Data Processing 4. Contractors Equipment and Installation Floaters
Insurance Basics	6%	- Insurance Contracts 1. Elements and Characteristics 2. Representations, Warranties and Concealment - Insurance Principles 1. Hazards, Negligence and Liability 2. Causes and Valuation of Loss 3. Insurable Interest and Indemnity - Policy Structure 1. Subrogation, Salvage and Loss Settlement 2. Declarations, Conditions and Exclusions 3. Limits, Deductibles and Other Insurance
Insurance Regulation	6%	- Licensing Requirements 1. Bond and Fingerprinting 2. Qualifications and Application - License Maintenance 1. Renewal and Changes 2. Assumed Names and Reporting - Disciplinary Actions 1. Penalties and Cease and Desist Orders 2. Suspension and Revocation - Claim Settlement Regulations 1. Consumer Privacy 2. Unfair Claim Practices
Personal Inland Marine	13%	- Personal Effects Floater 1. Coverage and Loss Settlement - Personal Property Floater 1. Coverage and Eligible Property - Personal Articles Floater 1. Scheduled Personal Property
Medical Reports and Terminology	4%	- Injuries, Diseases and Medical Tests 1. Diagnostic Tests 2. Common Injuries and Diseases - Basic Human Anatomy 1. Skeletal, Nervous and Respiratory Systems 2. Cardiovascular and Abdominal Systems - Medical Terminology 1. Prefixes, Suffixes and Abbreviations 2. Medical Specialties

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q99-Q104):

NEW QUESTION # 99
Under a Homeowners policy, which of the following is an insured location?

A. Office building.
B. Cemetery plots of any insured.
C. Farmland.
D. Airport.

Answer: B

NEW QUESTION # 100
What is the MINIMUM dollar limit that applies to Workers' Compensation Coverage under Part One of the policy?

A. $100,000 per accident.
B. $500,000 per accident.
C. There are limits, but they are shown only in the information page.
D. There are no dollar limits except those according to the law.

Answer: D

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 # 101
The National Flood Insurance Program (NFIP) policies cover

A. sewer backup into a dwelling.
B. loss of use.
C. property against all direct loss from a flood.
D. indirect financial loss.

Answer: C

Explanation:
The correct answer is B. The National Flood Insurance Program is designed principally to insure eligible buildings and personal property against direct physical loss by or from flood. The Standard Flood Insurance Policy does not function as broad consequential-loss insurance. Federal policy language expressly distinguishes direct physical flood damage from indirect economic consequences such as loss of use, lost revenue, lost profits, business interruption, and additional living expenses. Therefore, option A and option C do not describe the fundamental NFIP coverage grant.
Option D is also incorrect as a general statement. Sewer or drain backup is not independently treated as a covered flood merely because water enters through a sewer or drain; coverage depends on whether the backup is directly caused by an insured flood meeting the federal policy definition and conditions.
Option B uses simplified exam wording. Technically, NFIP does not cover literally every direct loss without limitation; coverage remains subject to insured-property requirements, exclusions, limits, and deductibles.
Nevertheless, B accurately states the intended coverage principle. The official Series 17-70 outline specifically includes National Flood Insurance Program-eligibility, coverage, flood definition, limits, deductibles, proof of loss, and policy forms.

NEW QUESTION # 102
The primary purpose of the Workers Compensation Special Disability Fund is to

A. provide funds for non-employment-related injuries.
B. compensate employees for second partial disability claims.
C. encourage employers to hire workers with pre-existing disabilities.
D. provide funds to employees with more than one injury.

Answer: C

Explanation:
The correct answer is A - encourage employers to hire workers with pre-existing disabilities. New York's Special Disability Fund, historically referred to as the Second Injury Fund, was designed to reduce the financial disincentive associated with employing workers who already had permanent physical impairments.
The New York Workers' Compensation Board explains that the fund assumed, in qualifying cases, part of the permanent disability liability resulting when a worker with a pre-existing disability sustained a subsequent employment injury. The Board expressly states that one purpose was to encourage employers to hire people with disabilities by protecting employers against disproportionate liability from a subsequent workplace injury.
Therefore, option A identifies the underlying policy objective. The fund was not created simply because an employee experienced two injuries, eliminating B. It does not provide ordinary benefits for injuries unrelated to employment, so C is incorrect. Option D inaccurately describes the fund as directly compensating employees for "second partial disability claims"; its principal mechanism was reimbursement or allocation of liability involving employers and insurers under qualifying statutory circumstances.
The Fund is now closed to new claims, although historical Section 15(8) matters continue to be administered.
The Series 17-70 outline nevertheless specifically tests the Special Disability Fund under WCL §15(8).
Therefore, A is correct.

NEW QUESTION # 103
When it comes to liability on a Businessowners Policy, the insurer's duty to defend ends if the

A. insured missed a payment on his premium.
B. insured did not pay his taxes.
C. insurer feels they put in too many claims in the past.
D. limits of insurance are used up.

Answer: D

Explanation:
The correct answer is B. Under Businessowners liability coverage, the insurer ordinarily has both a duty to indemnify for covered damages and a duty to defend the insured against qualifying suits. The defense obligation is broad, but it is not unlimited.
Standard BOP wording provides that the insurer's duty to defend terminates when the applicable limit of insurance has been used up through payment of judgments or settlements. Importantly, merely offering or depositing the policy limit is not necessarily sufficient; exhaustion must occur in accordance with the policy's contractual language.
Option A has no relationship to the policy's defense obligation. Tax-payment status is not a BOP liability- defense trigger. Option C can eventually create policy cancellation or lapse issues if premium obligations are not satisfied, but it does not describe the specific provision controlling termination of defense after a covered liability claim has arisen. Option D is entirely unsupported by the contract: an insurer cannot terminate its contractual defense obligation simply because it considers the insured's prior claim history excessive.
The Series 17-70 outline specifically tests Businessowners liability coverage, limits of insurance, liability exclusions, conditions, and claim handling.
Therefore, once the applicable liability limit has been properly exhausted through judgments or settlements, the duty to defend can end.
Thus, B is correct.

NEW QUESTION # 104
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