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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Other Property and Liability Coverages | - Excess liability - Aviation insurance - Commercial automobile - Inland marine - Flood insurance - Ocean marine - Crime insurance - Surety and fidelity bonds - Workers compensation - Personal automobile | |
| Topic 2: Commercial Property | - Businessowners Policy - Commercial Package Policy - Commercial General Liability - Commercial property forms and endorsements - Commercial property coverage | |
| Topic 3: Insurance Principles and Concepts | - Physical hazards - Hazards - Warranties - Morale hazards - Insurable interest - Fraud - Insurance principles and concepts - Waiver and estoppel - Moral hazards - Concealment - Insurance contracts - Representations and misrepresentations | |
| Topic 4: New York Unfair Claim Settlement and Prohibited Practices | - Unfair claim settlement practices - New York claim settlement laws and regulations - New York cybersecurity regulation - Consumer privacy requirements - Terrorism Risk Insurance Act - Insurance fraud and false statements | |
| Topic 5: Dwelling and Homeowners Insurance | - Dwelling policies - Personal liability supplement - Homeowners property coverage - New York specific endorsements - Personal umbrella policies - Standard Fire Policy - Homeowners liability coverage | |
| Topic 6: Insurance Regulation | - Licensing requirements - License renewal - Temporary adjuster permits - Bond requirements - Fingerprinting - License maintenance and duration - Qualifications - Licensing process | |
| Topic 7: Commercial Package Policy | 38% | - Common policy declarations - Components of a commercial policy - Monoline versus package policies - Common policy conditions - First named insured |
| Topic 8: Claims Adjustment Procedures | - Non-waiver agreements - Reservation of rights letters - Advance payments - Mediation - Draft authority - Claims adjustment procedures - Competitive estimates - Appraisal - Subrogation procedures - Arbitration - Settlement procedures - Negotiation - Execution of releases - Releases - Coverage problems - Alternative dispute resolution |
>> NY-Independent-General-Adjuster測試 <<
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問題 #10
An insured that is covered on a business automobile policy would like to get physical damage coverage for a forklift used at their facility. Which endorsement can be used to insure this covered automobile?
答案：C
解題說明：
The correct answer is B - Mobile equipment endorsement. A forklift is ordinarily classified as mobile equipment, rather than an "auto," because it is principally designed for use off public roads or for operations at a premises. Consequently, it does not automatically fall within the standard Business Auto Coverage Form's normal treatment of covered autos.
A Mobile Equipment endorsement permits specifically described mobile equipment to be treated as a covered auto for the coverages scheduled in the endorsement. Depending on the form and selections, this can extend Physical Damage coverage to the equipment. Forklifts are specifically recognized as classic examples of mobile equipment.
The Miscellaneous Type Vehicle endorsement is primarily associated with personal auto treatment of specialized vehicles and is not the appropriate commercial solution here. The Truckers Coverage Form addresses motor-carrier/trucking exposures. The Drive Other Car endorsement extends specified commercial- auto protections to certain individuals when they use nonowned autos and has nothing to do with insuring a business-owned forklift.
The Series 17-70 outline directly tests Commercial Auto, Business Auto, Physical Damage Coverage, Definitions, and the Mobile Equipment endorsement. The New York examination outline identifies mobile equipment specifically among the selected commercial-auto endorsements.
Thus, B is the technically correct selection.
問題 #11
After a loss occurs to an insured automobile, according to the conditions of a personal automobile insurance policy, what MUST the insured party do?
答案：D
解題說明：
The correct answer is D - Permit the insurer to inspect the vehicle before it is repaired. Under the Personal Auto Policy's duties following an accident or loss, a person seeking physical-damage coverage must give the insurer a reasonable opportunity to inspect and appraise damaged property before repair or disposal. This allows the carrier to document the damage, determine whether it resulted from a covered cause of loss, evaluate repairability, estimate repair costs, establish actual cash value where necessary, and determine whether the automobile constitutes a total loss. Standard personal-auto policy language expressly imposes this duty.
Option A is not universally required for every collision. Police notification is specifically required by the standard policy for situations such as theft, while state law may independently impose accident-reporting obligations in particular circumstances. Option B concerns maintaining coverage before the loss, not a post- loss claim duty. Option C does not express the relevant physical-damage requirement.
The insured must also take reasonable steps to protect the covered auto against further loss and comply with other cooperation and documentation requirements.
The official Series 17-70 outline expressly includes Personal Auto Policy-Coverage for Damage to Your Auto and Duties After an Accident or Loss.
Therefore, the required answer is D.
問題 #12
Which is NOT a type of bond?
答案：A
解題說明：
The correct answer is A - Obligee. An obligee is not a type of surety bond; it is one of the three parties to a surety bond. The three parties are the principal, the obligee, and the surety. The principal is the party whose performance or obligation is guaranteed. The obligee is the party requiring and benefiting from the bond. The surety is the organization that guarantees the principal's obligation according to the bond terms.
By contrast, bid bonds and performance bonds are recognized types of contract surety bonds. A bid bond supports the bidder's commitment to enter the contract and furnish required security if awarded the job. A performance bond guarantees that the principal will perform the contractual obligations covered by the bond.
"Court bond" is commonly used as a broad description for bonds required in judicial proceedings. The official Series 17-70 outline categorizes these as judicial bonds and separately lists such forms as attachment, replevin, appeal, injunction, and cost bonds.
The Series 17-70 outline makes the distinction explicit: it lists Principal, Obligee, and Surety under "Parties of a surety bond," while Bid and Performance appear under types of contract bonds, and judicial bonds appear as another bond category.
問題 #13
According to the conditions of Commercial General Liability (CGL), what are the insured's duties in the event of an occurrence, claim, or suit?
答案：A
解題說明：
The correct answer is B. Under the standard CGL condition titled Duties in the Event of Occurrence, Offense, Claim or Suit, the insured must see that the insurer is notified as soon as practicable of an occurrence or offense that may result in a claim. The notice should, to the extent possible, identify how, when, and where the occurrence happened, the names and addresses of injured persons and witnesses, and the nature and location of resulting injury or damage. New York Court of Appeals decisions reproduce this CGL condition substantially verbatim.
Option A is incorrect because the standard CGL does not establish a universal seven-day reporting deadline.
Option C is defective because cooperation is not discretionary; the insured must cooperate with investigation, settlement, and defense and provide assistance when requested. Option D is far too broad because the policy does not require reporting every business matter.
Once an actual claim or suit is received, additional duties apply, including promptly notifying the insurer and forwarding demands, notices, summonses, and legal papers.
The Series 17-70 outline specifically covers CGL conditions, occurrence versus claims-made coverage, investigation, and duties after loss or claim.
問題 #14
Damage caused to a farmer's crops during an emergency aircraft landing would be covered by
答案：C
解題說明：
The correct verified answer is D - Property damage liability. The farmer's crops constitute tangible property belonging to another party from the aircraft operator's perspective. If an insured aircraft makes an emergency landing and physically damages those crops, the applicable third-party aviation exposure is property damage liability: the aircraft owner or operator may become legally obligated to compensate the farmer for physical damage to the farmer's property.
This must not be confused with farm liability. Farm liability protects a farm insured against claims alleging bodily injury or property damage for which the farm insured becomes legally liable. It is liability insurance, not first-party physical damage coverage for the farmer's own crops. The official Series 17-70 outline describes Farm Coverage H as Bodily Injury and Property Damage Liability, reinforcing this third-party distinction.
Products liability is unrelated because the loss does not arise from a defective or harmful product. A deductible is simply the portion of an insured loss retained by the insured and is not a category of coverage.
Most importantly, the official Series 17-70 blueprint separately identifies Aircraft Liability Coverages, including property damage liability, as tested subject matter.
Accordingly, D, not farm liability, is the technically correct answer for the scenario presented.
問題 #15
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