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

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

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q22-Q27):

NEW QUESTION # 22
What is the purpose of the Insurance Frauds Prevention Act?

A. Regulates the use of advertising an insurer can use when selling insurance products.
B. Requires an insurer to publicly disclose its capital reserves for each fiscal year.
C. Protects the consumer against illegal activity in the issuance of policies and payment of claims.
D. Identify the requirements that underwriters need to follow in order to evaluate risk.

Answer: C

Explanation:
The correct answer is C. New York Insurance Law Article 4 is expressly titled the Insurance Frauds Prevention Act. Its legislative findings recognize that insurance transactions-including organization and licensing, issuance of policies, and the adjustment and payment of claims and losses-have potential for abuse and illegal activity. The statutory framework is intended to prevent, detect, investigate, and penalize fraudulent insurance conduct.
Therefore, option C most accurately expresses the purpose among the available choices: protecting the insurance system and consumers from illegal and fraudulent conduct associated with policy and claim transactions.
Option A concerns underwriting standards and risk selection rather than insurance-fraud prevention. Option B concerns insurance advertising regulation, which is governed through separate statutes and regulations.
Option D concerns insurer financial reporting and solvency regulation, not the core purpose of Article 4.
New York DFS emphasizes that insurance fraud affects consumers through higher premiums and costs and encourages detection and reporting of suspected fraudulent activity. Article 4 also requires reporting of suspected fraudulent insurance transactions and authorizes investigation and enforcement.
Accordingly, C is the correct examination answer.

NEW QUESTION # 23
On a bail bond, a defendant is also known as

A. a surety.
B. a principal.
C. an obligor.
D. an indemnity.

Answer: B

Explanation:
The correct answer is C - principal. A surety arrangement involves distinct parties. The principal is the person whose obligation or performance is being guaranteed. In a bail bond transaction, the criminal defendant is the principal because the bond guarantees the defendant's compliance with the conditions of release, particularly appearance before the court when required.
The surety is the party guaranteeing the obligation and potentially becoming liable under the bond when its terms are breached. The obligee is the party in whose favor the obligation runs-typically the court or governmental authority in a bail context. An indemnitor is a person who agrees to reimburse the surety for losses arising from issuance of the bond. "Indemnity" itself refers to the reimbursement obligation or agreement, not the defendant's party designation.
The New York PSI licensing outline identifies the parties to a surety bond as principal, indemnitor for principal, obligee, and surety. It also specifically uses the phrase "Surrender of principal (defendant)," directly confirming that the defendant is the principal in bail-bond terminology.
Understanding these roles is essential because each party has distinct contractual rights, duties, and financial responsibilities.
Therefore, the defendant on a bail bond is the principal, making C correct.

NEW QUESTION # 24
Regarding insurance coverage for employment practices exposures, which one of the following statements is TRUE?

A. Employment practices liability policies cover losses arising out of wrongful terminations, discrimination, and sexual harassment.
B. Employment practices liability insurance is purchased as an endorsement to the directors and officers policy, but cannot be purchased separately.
C. The commercial general liability policy covers employment practices liability as part of its basic professional liability coverage.
D. Employment practices liability policies cover suits by employees who are injured on the job.

Answer: A

Explanation:
The correct answer is C. Employment Practices Liability Insurance (EPLI) is specifically designed to address claims arising from wrongful employment-related conduct. Core exposures include wrongful termination, workplace discrimination, sexual harassment, retaliation, and other specified employment practices. Current EPLI coverage descriptions expressly identify discrimination, harassment, and wrongful termination as principal covered allegations.
Option A is incorrect because EPLI may be written as a standalone policy or incorporated within broader management-liability programs. It is not restricted to being an endorsement to Directors and Officers insurance.
Option B is incorrect because the standard Commercial General Liability policy is not basic professional or employment-practices liability insurance. In fact, many employment-related practices exposures are specifically excluded or inadequately addressed under conventional CGL coverage.
Option D concerns occupational bodily injury. An employee physically injured in the course of employment would ordinarily look to Workers Compensation and Employers Liability, not EPLI. EPLI primarily addresses wrongful employment decisions and conduct rather than workplace accident injuries.
The adjuster must therefore distinguish an employment-practices wrongful act from an employment-related bodily injury. One is principally a management/professional liability exposure; the other is a Workers Compensation/employers liability exposure.
Therefore, C accurately describes the purpose of EPLI.

NEW QUESTION # 25
A travel accident policy and a dread-disease contract are examples of

A. limited health insurance policies.
B. personal health policies.
C. family health policies.
D. group health policies.

Answer: A

Explanation:
The correct answer is D - limited health insurance policies. Limited health insurance is designed to provide benefits for a narrowly defined event, disease, service, or category of loss rather than the broad spectrum of expenses normally addressed by comprehensive medical coverage.
A travel accident policy provides narrowly focused accident protection associated with travel or specified transportation exposures. Similarly, a specified or dread-disease policy pays benefits only when the insured experiences a specifically designated condition, such as cancer or another condition listed in the contract.
Because their benefit triggers and covered losses are intentionally restricted, both fit the limited-policy classification.
The Series 17-70 examination outline makes this distinction directly. It includes Limited versus comprehensive coverage, "Limited policies," "limited benefits and amounts," and specifically identifies Accident-only and Specified (dread) disease policies among the tested forms.
Options A and B describe methods of organizing insured persons rather than the limited nature of the coverage. Option C, "personal health policies," is too broad and does not identify the essential characteristic being tested.
An adjuster must recognize that a limited policy does not provide general medical insurance merely because an insured experiences medical expenses. Benefits are payable only when the loss falls within the policy's narrowly stated coverage trigger.
Therefore, D is correct.

NEW QUESTION # 26
Under Other States Workers' Compensation Insurance, coverage ONLY applies if the states are listed on the

A. insuring agreement.
B. territory provision page.
C. declarations page.
D. application.

Answer: C

Explanation:
The correct answer is D - declarations page. More precisely, the standard Workers Compensation and Employers Liability Policy refers to the Information Page, which performs the declarations-page function for this policy.
Under Part Three - Other States Insurance, the employer may receive workers compensation and employers liability protection in qualifying states not listed under the primary-state portion of the policy. The New York Compensation Insurance Rating Board expressly provides that states where Other States coverage is to apply must be listed in Item 3.C. of the Information Page.
Because "Information Page" is not offered among the four answer choices, declarations page is the intended and technically equivalent examination response.
Option A is incorrect because merely mentioning a state in an application does not activate contractual coverage. Option B contains the insurer's broad promise but does not identify the states selected for Other States protection. Option C is not the standard policy mechanism used for this purpose.
The Series 17-70 outline expressly includes Part Three - Other States Insurance, along with Parts One through Six of the standard Workers Compensation and Employers Liability policy.
Therefore, D is correct.

NEW QUESTION # 27
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