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

Section	Weight	Objectives
Topic 1: Medical Reports and Terminology	4%	- Injuries, Diseases and Medical Tests 1. Common Injuries and Diseases 2. Diagnostic Tests - Basic Human Anatomy 1. Skeletal, Nervous and Respiratory Systems 2. Cardiovascular and Abdominal Systems - Medical Terminology 1. Prefixes, Suffixes and Abbreviations 2. Medical Specialties
Topic 2: 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
Topic 3: Insurance Regulation	6%	- Licensing Requirements 1. Bond and Fingerprinting 2. Qualifications and Application - License Maintenance 1. Assumed Names and Reporting 2. Renewal and Changes - Disciplinary Actions 1. Penalties and Cease and Desist Orders 2. Suspension and Revocation - Claim Settlement Regulations 1. Unfair Claim Practices 2. Consumer Privacy
Topic 4: Insurance Basics	6%	- Policy Structure 1. Subrogation, Salvage and Loss Settlement 2. Declarations, Conditions and Exclusions 3. Limits, Deductibles and Other Insurance - Insurance Contracts 1. Representations, Warranties and Concealment 2. Elements and Characteristics - Insurance Principles 1. Insurable Interest and Indemnity 2. Hazards, Negligence and Liability 3. Causes and Valuation of Loss
Topic 5: Homeowners Policy	10%	- Coverage Forms 1. HO-8 2. HO-2 through HO-6 - Selected Endorsements 1. New York Special Provisions 2. Earthquake, Identity Fraud and Home Business - 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 - Liability Coverages 1. Personal Liability 2. Medical Payments to Others
Topic 6: Accident and Health Insurance Basics	6%	- Accident and Health Claims 1. Investigation and Payment of Claims 2. Notice and Proof of Loss - 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
Topic 7: Adjusting Losses	11%	- Claim Investigation 1. Claim Reporting and Documentation 2. Evidence and Witness Statements - Role of the Adjuster 1. Duties and Responsibilities 2. Independent, Staff and Public Adjusters - Property and Liability Losses 1. Coverage Verification and Loss Evaluation 2. Estimates, Depreciation and Salvage - Claim Settlement 1. Subrogation, Appraisal and Arbitration 2. Negotiation and Releases
Topic 8: Dwelling Policy	6%	- Property Coverages 1. Personal Property and Loss of Use 2. Dwelling and Other Structures - Coverage Forms and Perils 1. Covered Perils 2. Basic, Broad and Special Forms - Exclusions, Conditions and Endorsements 1. General Exclusions and Conditions 2. New York and Selected Endorsements
Topic 9: Commercial Package Policy	38%	- Commercial Inland Marine 1. Contractors Equipment and Installation Floaters 2. Accounts Receivable and Valuable Papers 3. Jewelers Block, Signs and Electronic Data Processing 4. Marine Definition and Conditions - Transportation Coverages 1. Common Carrier Legal Liability 2. Motor Truck Cargo 3. Transit Coverage - Commercial Policy Components 1. Common Policy Conditions 2. Common Policy Declarations

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q18-Q23):

NEW QUESTION # 18
Which of the following benefits are NOT paid under workers' compensation laws?

A. Independent medical.
B. Pain and suffering.
C. Disability income.
D. Vocational rehabilitation.

Answer: B

Explanation:
The correct answer is C - Pain and suffering. Workers compensation is a statutory no-fault system designed to provide defined benefits for employees who suffer qualifying occupational injuries or illnesses. New York Workers' Compensation Board guidance identifies benefits including medical care, lost-wage benefits, disability-related awards, survivor benefits, and vocational rehabilitation services.
Workers compensation does not function like a negligence tort action. An injured employee generally does not receive damages for noneconomic elements such as pain, suffering, emotional distress, inconvenience, or loss of enjoyment of life merely because those consequences accompany the occupational injury. Statutory benefits replace the ordinary tort remedy against the employer for covered injuries, subject to limited exceptions under New York law.
Option A is therefore incorrect because vocational rehabilitation services are available to assist qualifying injured workers in returning to employment. Option D is incorrect because cash benefits for disability or lost earning capacity are fundamental workers compensation benefits. Independent medical examinations can also be required within the administration of workers compensation claims; they are not equivalent to tort damages for pain and suffering.
The Series 17-70 outline specifically tests New York Workers Compensation Law, exclusive remedy, covered injuries, benefits provided, disability, medical benefits, and claim procedures.

NEW QUESTION # 19
Under an HO-6 policy, Coverage A - Dwelling applies to all of the following EXCEPT

A. a water heater.
B. attached bathroom fixtures.
C. unattached appliances.
D. built-in kitchen cabinets.

Answer: C

Explanation:
The correct answer is B - unattached appliances. The HO-6 Condominium Unit-Owners form uses Coverage A differently from an ordinary homeowners dwelling form. Coverage A applies to qualifying alterations, appliances, fixtures, and improvements that are part of the building, together with specified items of real property pertaining exclusively to the residence premises and property for which the insured has insurance responsibility under the condominium association agreement.
Current judicial reproduction of condominium-policy language confirms that Coverage A includes
"alterations, appliances, fixtures and improvements" that are part of the building on the residence premises.
Thus, a built-in kitchen cabinet is a fixture forming part of the unit. Attached bathroom fixtures likewise constitute building fixtures. A permanently installed water heater serving the unit can also qualify as building property depending on ownership and association responsibility.
An unattached appliance, however, ordinarily remains personal property rather than a building fixture. Such property is generally analyzed under Coverage C - Personal Property, not Coverage A. The key examination distinction is whether the property has become part of the building or remains movable personal property.
The Series 17-70 outline specifically requires knowledge of HO-2 through HO-6, definitions, Coverage A - Dwelling, Coverage C - Personal Property, and other Section I property coverages.

NEW QUESTION # 20
A policy covering all causes of loss to an aircraft is known as

A. All Inclusive.
B. Named Perils.
C. Liability.
D. Comprehensive.

Answer: D

Explanation:
The correct examination answer is A - Comprehensive. Aircraft physical-damage insurance is commonly referred to as aircraft hull insurance. When written on the broadest physical-damage basis, it is generally described as all-risk hull or comprehensive hull coverage and protects against direct physical loss of or damage to the insured aircraft from covered causes except those specifically excluded.
Modern aviation insurers expressly describe aircraft hull protection as Hull All Risks, covering physical loss or damage to an aircraft while on the ground and in flight. Comprehensive aircraft coverage can address events such as accidental collision, ground damage, storms, hail, theft, vandalism, and other fortuitous causes, subject to exclusions, deductibles, pilot requirements, use restrictions, and policy territory.
Option B, Named Perils, is narrower because coverage exists only for causes specifically listed. Option C,
"All Inclusive," is not the standard aviation insurance classification used for this form of hull protection.
Option D, Liability, protects the insured against legal responsibility for injury or damage to others; it does not principally insure physical loss to the aircraft itself.
The Series 17-70 syllabus includes Aircraft Hull and Aircraft Liability coverages, requiring candidates to distinguish first-party aircraft damage from third-party liability.
Therefore, A is correct.

NEW QUESTION # 21
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?

A. Health insurance.
B. Medical payments.
C. Liability.
D. Physical damage.

Answer: B

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 # 22
A type of insurance that protects an individual who fails to meet the standards of skill and care generally accepted for her occupation is

A. personal liability.
B. fiduciary liability.
C. professional liability.
D. workers' compensation.

Answer: C

Explanation:
The correct answer is A - professional liability. Professional liability insurance, frequently called Errors and Omissions (E & O) coverage, addresses liability resulting from negligence, errors, omissions, or failure to provide the level of skill or professional service reasonably expected within a particular profession.
The Insurance Information Institute explains that professionals are expected to possess specialized knowledge or training and perform according to the standards of conduct applicable to their profession. When a professional fails to exercise the required degree of skill and a client suffers harm, professional liability insurance is designed to address that exposure, subject to policy terms.
Workers Compensation protects employees for qualifying employment-related injury or occupational disease; it does not insure a professional against claims alleging negligent professional services. Fiduciary liability is narrower and addresses breaches of fiduciary responsibility, particularly in connection with employee benefit plans or entrusted assets. Personal liability generally addresses nonbusiness personal activities rather than professional malpractice.
Professional liability forms are often tailored to the occupation involved. For doctors, the coverage is commonly called medical malpractice; for lawyers, accountants, consultants, architects, insurance professionals, and similar occupations, professional liability or E & O terminology is common.
The Series 17-70 curriculum requires the adjuster to distinguish specialized liability exposures as well as negligence and standards of legal responsibility.
Therefore, A is correct.

NEW QUESTION # 23
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