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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Dwelling Policy | 6% | - Exclusions, Conditions and Endorsements
|
| Topic 2: Insurance Basics | 6% | - Insurance Contracts
|
| Topic 3: Insurance Regulation | 6% | - License Maintenance
|
| Topic 4: Accident and Health Insurance Basics | 6% | - Types of Coverage
|
| Topic 5: Homeowners Policy | 10% | - Coverage Forms
|
| Topic 6: Personal Inland Marine | 13% | - Personal Property Floater
|
| Topic 7: Commercial Package Policy | 38% | - Commercial Policy Components
|
| Topic 8: Medical Reports and Terminology | 4% | - Medical Terminology
|
| Topic 9: Adjusting Losses | 11% | - Claim Settlement
|
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NEW QUESTION # 42
The liability section of a businessowners policy (BOP) covers which of the following?
Answer: D
Explanation:
The correct answer is D - Customer injured on the business premises. The Businessowners Policy liability section protects an eligible business against covered legal liability for bodily injury, property damage, and personal and advertising injury arising from covered business operations. A customer who is injured on the insured premises represents a classic premises-liability exposure.
Option A concerns first-party property damage to the insured building. A roof damaged by a covered windstorm would therefore be analyzed under the BOP property section, not business liability coverage.
Option B is incorrect because bodily injury to an employee arising out of and in the course of employment is generally excluded from ordinary BOP business liability coverage and is instead addressed by Workers Compensation and Employers Liability insurance.
Option C is also incorrect in the ordinary BOP liability form because bodily injury arising from ownership, maintenance, or use of autos is subject to the policy's auto exclusion. Commercial auto exposures typically require separate Business Auto coverage or an applicable BOP endorsement for limited hired/nonowned auto liability.
The official Series 17-70 blueprint expressly tests the Businessowners liability coverage form, coverages, exclusions, who is an insured, limits, general conditions, and hired/nonowned auto endorsements.
Therefore, D is correct.
NEW QUESTION # 43
An Individual Fidelity Bond protects a businessowner from economic losses caused by
Answer: C
Explanation:
The correct answer is A - the dishonest actions of a specific employee. Fidelity insurance protects an employer against direct financial loss resulting from dishonest acts committed by employees. The defining feature of an Individual Fidelity Bond is that it applies to a specifically identified or named individual rather than to all employees or an entire class of positions.
Federal surety definitions describe an individual fidelity bond as protection against dishonesty with respect to a named individual. By contrast, a blanket fidelity bond covers all qualifying employees, while a blanket position or scheduled-position bond can apply according to the positions occupied rather than solely to a single named person.
Option B therefore more closely resembles a blanket or collective arrangement. Option C suggests multiple employees scheduled under one bond and therefore describes a scheduled-name concept rather than an individual fidelity bond. Option D concerns misconduct by an external supplier; fidelity coverage is principally designed around dishonest acts of covered employees, not ordinary breach of contract by third- party vendors.
Typical covered dishonest acts can include theft, embezzlement, fraudulent conversion, or other dishonest conduct satisfying the policy's definition and intent requirements.
The Series 17-70 surety/crime curriculum requires candidates to distinguish individual, schedule, position, and blanket fidelity bonds.
Therefore, A is correct.
NEW QUESTION # 44
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?
Answer: B
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 # 45
After a loss occurs to an insured automobile, according to the conditions of a personal automobile insurance policy, what MUST the insured party do?
Answer: A
Explanation:
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.
NEW QUESTION # 46
Which of the following is an example of an unfair claim settlement practice?
Answer: D
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 # 47
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