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

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

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Pass Guaranteed NY-Independent-General-Adjuster - NewYorkIndependent General Adjuster (Series 17-70) –Trustable Valid Test Topics

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q73-Q78):

NEW QUESTION # 73
Which of the following is an exclusion on the Businessowners Policy (BOP) under the liability section?

A. Liquor liability.
B. Advertising injury liability.
C. Personal injury liability.
D. Products liability.

Answer: A

Explanation:
The correct answer is A - Liquor liability. The Businessowners liability section includes a Liquor Liability exclusion addressing bodily injury or property damage for which an insured may be held liable because of causing or contributing to intoxication, furnishing alcoholic beverages to underage or intoxicated persons, or violating laws concerning the sale, gift, distribution, or use of alcoholic beverages.
Under the standard BOP formulation, the exclusion principally applies when the named insured is engaged in the business of manufacturing, distributing, selling, serving, or furnishing alcoholic beverages. Thus, it should not be interpreted as eliminating every alcohol-related incident for every BOP insured. Host-liquor situations may remain covered when the insured is not engaged in the liquor business, subject to the actual form.
Options B, C, and D identify important liability exposures ordinarily included within the BOP's liability framework. Products and completed operations liability is part of the business liability protection, while personal and advertising injury is a separate liability coverage component subject to its own exclusions.
The Series 17-70 examination outline expressly requires knowledge of the Businessowners Liability Coverage Form-Coverages and Exclusions. It also separately identifies Liquor Liability as a specialty liability subject.
Therefore, among the listed choices, Liquor Liability is the correct exclusion.

NEW QUESTION # 74
What is the policy limit for personal liability supplement under Coverage L of a dwelling policy?

A. $150,000
B. $50,000
C. $100,000
D. $200,000

Answer: C

Explanation:
The correct examination answer is B - $100,000. A standard Dwelling Policy primarily provides property insurance; personal liability protection is added through the Personal Liability Supplement. Under that supplement, Coverage L - Personal Liability responds when an insured becomes legally liable for bodily injury or property damage caused by a covered occurrence. Coverage M separately provides Medical Payments to Others. The Series 17-70 outline expressly identifies the Personal Liability Supplement as a tested Dwelling Policy endorsement.
The traditional standard limit associated with Coverage L in licensing material is $100,000 per occurrence.
Policy analyses of the ISO dwelling liability supplement also illustrate Coverage L using a $100,000 limit.
A technical distinction is important for claims practice: the actual contractual limit is ultimately the amount shown in the policy declarations or Personal Liability Schedule. Therefore, higher limits may be purchased when offered by the insurer. The question is testing the standard/default licensing-exam limit rather than asserting that every dwelling liability supplement is permanently restricted to $100,000.
Coverage L also generally includes the insurer's defense obligation in addition to covered damages, subject to the policy's exclusions and conditions.
Therefore, the required answer is B.

NEW QUESTION # 75
An example of the insured's consideration is

A. an insurance application.
B. a paid premium.
C. a contract signing requirement.
D. a notice of beneficiary.

Answer: B

Explanation:
The correct answer is B. Consideration is one of the elements required for an enforceable insurance contract.
Consideration means something of legal value exchanged between the contracting parties. From the insured's side of an insurance transaction, the principal consideration consists of the premium, together with the representations and promises made in the application. From the insurer's side, consideration is the contractual promise to provide the insurance protection and pay covered claims according to the policy terms.
Of the available choices, a paid premium is therefore the clearest and most direct example of the insured's consideration. An application, option A, is primarily the mechanism through which the prospective insured requests coverage and provides underwriting information; the application itself is not the best answer to what constitutes consideration. A contract-signing requirement is procedural rather than the exchanged value supporting the contract. A notice of beneficiary is associated with identifying or changing the person entitled to receive certain policy benefits and is unrelated to contractual consideration.
The official Series 17-70 examination outline specifically places Contract Basics, Elements of a Legal Contract, Offer and Acceptance, and Consideration under Insurance Basics.
Accordingly, the premium supplied by the insured in exchange for the insurer's promise of coverage makes B correct.

NEW QUESTION # 76
A producer is REQUIRED to report to the Commissioner any criminal prosecution taken in any jurisdiction against him within how many days of the initial pre-trial hearing date?

A. 0
B. 1
C. 2
D. 3

Answer: D

Explanation:
The correct answer is B - 30 days. New York Insurance Law §2110(j) requires a licensee subject to Article
21 to report any criminal prosecution taken against the licensee in any jurisdiction within 30 days of the initial pretrial hearing date. The report must include the initial complaint, the resulting order, and other relevant legal documents.
New York DFS enforcement actions continue to apply this requirement directly. DFS has disciplined licensees, including independent adjusters, for failing to notify the Department within the required 30-day period following the initial pretrial hearing date.
There is one terminology point to correct for New York examination purposes: the statute requires notification to the Superintendent of Financial Services, not a "Commissioner." The 30-day answer, however, remains unchanged.
Do not confuse criminal-prosecution reporting with the separate requirement under §2110(i) for administrative actions. Administrative actions taken in another jurisdiction or by another governmental agency must generally be reported within 30 days of the final disposition of that matter.
Series 17-70 reference topics: Insurance Regulation - Licensing, Maintenance of License, Disciplinary Actions, Reporting Requirements, and New York Insurance Law §2110.

NEW QUESTION # 77
Which of the following is an example of an unfair claim settlement practice?

A. Delaying the settlement of claims submitted in which liability has become clear.
B. Adopting and implementing standards to settle claims in a timely manner.
C. Disclosing the settlement terms and provisions of the contract of insurance.
D. Replacing a policy when it is in the best interest of the insured.

Answer: A

Explanation:
The correct answer is A. New York Insurance Law §2601 identifies specified conduct as unfair claim settlement practices when performed without just cause with sufficient frequency to constitute a general business practice. One expressly identified practice is failing to attempt in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear. Deliberately or unjustifiably delaying such a settlement therefore falls directly within the regulatory concept tested by this question.
Option C describes the opposite behavior. Insurers are expected to adopt and implement reasonable standards for prompt claim investigation and settlement. Failure to establish reasonable standards may itself support an unfair-practices finding.
Option D is likewise inconsistent with an unfair-practice answer because accurate disclosure of relevant coverage or settlement provisions promotes informed claim handling. Misrepresentation or improper withholding of material policy information, rather than appropriate disclosure, raises regulatory concerns.
Option B does not describe an unfair claim settlement practice on the facts given.
The official New York Series 17-70 blueprint specifically includes Claim Settlement Laws and Regulations- Regulation 64, Part 216, and Unfair Claim Practices-Insurance Law §2601 under Insurance Regulation.
Accordingly, the conduct in A is the regulatory violation contemplated by the question.

NEW QUESTION # 78
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