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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Regulation | - Fingerprinting - License maintenance and duration - Licensing requirements - License renewal - Bond requirements - Licensing process - Qualifications - Temporary adjuster permits | |
| Topic 2: Claims Adjustment Procedures | - Mediation - Settlement procedures - Coverage problems - Reservation of rights letters - Alternative dispute resolution - Releases - Execution of releases - Arbitration - Negotiation - Advance payments - Claims adjustment procedures - Competitive estimates - Non-waiver agreements - Draft authority - Subrogation procedures - Appraisal | |
| Topic 3: Commercial Property | - Commercial property coverage - Commercial General Liability - Commercial property forms and endorsements - Businessowners Policy - Commercial Package Policy | |
| Topic 4: Insurance Principles and Concepts | - Insurance principles and concepts - Insurable interest - Fraud - Concealment - Warranties - Representations and misrepresentations - Insurance contracts - Morale hazards - Moral hazards - Waiver and estoppel - Hazards - Physical hazards | |
| Topic 5: New York Unfair Claim Settlement and Prohibited Practices | - Consumer privacy requirements - New York claim settlement laws and regulations - New York cybersecurity regulation - Insurance fraud and false statements - Terrorism Risk Insurance Act - Unfair claim settlement practices | |
| Topic 6: Dwelling and Homeowners Insurance | - Personal liability supplement - Dwelling policies - Personal umbrella policies - Homeowners property coverage - Homeowners liability coverage - New York specific endorsements - Standard Fire Policy | |
| Topic 7: Other Property and Liability Coverages | - Inland marine - Excess liability - Workers compensation - Flood insurance - Personal automobile - Commercial automobile - Ocean marine - Aviation insurance - Crime insurance - Surety and fidelity bonds | |
| Topic 8: Commercial Package Policy | 38% | - Common policy declarations - Common policy conditions - Monoline versus package policies - First named insured - Components of a commercial policy |
>> 最新NY-Independent-General-Adjuster題庫資訊 <<
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問題 #29
Hired and Non-owned Auto Liability Endorsement covers which of the following?
答案：A
解題說明：
The correct answer is A. The Hired Auto and Non-Owned Auto Liability endorsement extends a Businessowners Policy's liability protection to specified automobile exposures that otherwise fall within the BOP's auto exclusion.
A non-owned auto is generally an automobile the business does not own, lease, hire, rent, or borrow but that is used in connection with the business. An employee's personally owned automobile being used for company business is the classic example. New York BOP rating material describes Non-Owned Auto Liability as protection for automobiles not owned, borrowed, or hired by the insured, while court decisions applying the endorsement confirm coverage for bodily injury or property damage arising from use of qualifying non- owned autos in the business.
Technically, the endorsement principally protects the business's liability arising from that use; it should not be interpreted as automatically providing personal liability or physical-damage protection to the employee-owner of the vehicle.
Options B, C, and D involve a company-owned automobile. A business-owned van or auto normally requires appropriate commercial automobile insurance and does not become a hired or non-owned auto simply because an employee or customer is driving it.
The Series 17-70 outline specifically includes Businessowners coverage and associated liability concepts.
Therefore, A is correct.
問題 #30
Which of the following is an exclusion on the Businessowners Policy (BOP) under the liability section?
答案：A
解題說明：
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.
問題 #31
In order to provide coverage for land-based maritime employees, which endorsement MUST be added to the standard Workers' Compensation Policy?
答案：C
解題說明：
The correct answer is D - U.S. Longshore and Harbor Workers Compensation Endorsement. The Longshore and Harbor Workers' Compensation Act (LHWCA) is a federal workers' compensation statute covering qualifying maritime employees such as longshore workers, harbor workers, ship repairers, shipbuilders, and shipbreakers who satisfy the Act's coverage requirements.
For New York workers' compensation insurance, the New York Compensation Insurance Rating Board expressly states that U.S. Longshore and Harbor Workers' Compensation Act insurance is provided by attaching the Longshore and Harbor Workers' Compensation Act Coverage Endorsement, WC 00 01 06 A, to the standard Workers Compensation and Employers Liability Insurance Policy.
Option B, the Federal Employers' Liability Act endorsement, addresses railroad employment exposures governed by FELA rather than longshore employment. Maritime Coverage endorsements relate principally to certain admiralty-law liabilities and should not be confused with the specific federal statutory workers' compensation coverage required by the LHWCA.
The distinction between seamen and land-based maritime workers is particularly important: qualifying vessel crew may fall under different maritime remedies, whereas qualifying shoreside maritime workers are the principal concern of the LHWCA.
Series 17-70 reference topics: Workers Compensation - Federal Workers Compensation Laws, LHWCA, Workers Compensation Policy, Employers Liability, and Federal Endorsements.
問題 #32
In a subrogation process, the role of the adjuster is to
答案：C
解題說明：
The correct answer is C. Subrogation permits an insurer that has paid a covered loss to step into the insured's rights, to the extent permitted by law and the policy, and pursue the third party legally responsible for causing that loss.
The New York Court of Appeals defines subrogation as the principle by which an insurer, after paying its insured's loss, is placed in the insured's position so that the insurer can recover from the legally responsible third party. The doctrine both prevents double recovery and ultimately places the financial burden on the responsible party.
An adjuster's role includes recognizing subrogation potential, identifying responsible parties, preserving evidence, documenting liability, calculating the insurer's recoverable payment, and referring or pursuing the recovery according to carrier procedures. Thus, determining the amount that may properly be recovered from the third party is directly relevant.
Option B reverses the relationship: the adjuster is not determining damages for the tortfeasor. Option D is nonsensical in the subrogation context because the responsible third party does not owe insurance premium to the insurer. Option A is inconsistent with the need to establish the third party's legal responsibility.
The Series 17-70 outline expressly includes subrogation as a common policy provision and subrogation procedures within claims adjustment.
Therefore, C is correct.
問題 #33
Broad theft coverage may ONLY be endorsed on a Dwelling Policy if the
答案：B
解題說明：
The correct answer is C - the insured is the owner-occupant. The Broad Theft Coverage endorsement is designed to add theft protection to a Dwelling Policy for an eligible residence occupied by the named insured.
Broad theft coverage is distinguished from limited theft coverage primarily by its eligibility and its ability to provide both on-premises and qualifying off-premises theft coverage.
For a dwelling, condominium, or cooperative unit, broad theft coverage requires the residence to be owner occupied. Where the dwelling is non-owner occupied, a limited theft form is generally the appropriate theft endorsement.
Option A is therefore insufficient because being a landlord does not make the insured eligible for the broad theft endorsement when tenants occupy the insured dwelling. Vacancy, option B, is not an eligibility requirement and may instead trigger important restrictions in theft coverage. Option D also fails because ownership of personal property by a landlord does not substitute for the occupancy requirement.
New York's official Series 17-70 outline expressly identifies the Broad Theft Endorsement (DP 04 83) as a tested Dwelling Policy endorsement. New York DFS's prelicensing topic locator likewise identifies DP 04 83 as required dwelling-policy subject matter.
Therefore, owner-occupancy makes C correct.
問題 #34
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