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| Section | Weight | Objectives |
|---|---|---|
| Commercial Property | - Commercial Package Policy - Commercial property forms and endorsements - Businessowners Policy - Commercial General Liability - Commercial property coverage | |
| Other Property and Liability Coverages | - Excess liability - Commercial automobile - Ocean marine - Crime insurance - Flood insurance - Aviation insurance - Workers compensation - Inland marine - Personal automobile - Surety and fidelity bonds | |
| Claims Adjustment Procedures | - Claims adjustment procedures - Subrogation procedures - Settlement procedures - Non-waiver agreements - Alternative dispute resolution - Coverage problems - Releases - Arbitration - Advance payments - Appraisal - Negotiation - Mediation - Draft authority - Competitive estimates - Execution of releases - Reservation of rights letters | |
| New York Unfair Claim Settlement and Prohibited Practices | - Consumer privacy requirements - New York claim settlement laws and regulations - Insurance fraud and false statements - New York cybersecurity regulation - Unfair claim settlement practices - Terrorism Risk Insurance Act | |
| Dwelling and Homeowners Insurance | - New York specific endorsements - Homeowners liability coverage - Personal umbrella policies - Homeowners property coverage - Standard Fire Policy - Personal liability supplement - Dwelling policies | |
| Insurance Regulation | - Qualifications - Temporary adjuster permits - License renewal - License maintenance and duration - Bond requirements - Licensing process - Licensing requirements - Fingerprinting | |
| Commercial Package Policy | 38% | - Common policy declarations - Common policy conditions - Monoline versus package policies - First named insured - Components of a commercial policy |
| Insurance Principles and Concepts | - Physical hazards - Morale hazards - Hazards - Fraud - Moral hazards - Warranties - Concealment - Waiver and estoppel - Insurable interest - Representations and misrepresentations - Insurance principles and concepts - Insurance contracts |
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質問 # 95
Charges for transporting a person injured in an aircraft accident by ambulance are covered under
正解：B
解説：
The correct answer is A - medical payments. Aircraft Medical Payments coverage is designed to pay specified reasonable medical expenses resulting from bodily injury sustained in connection with a covered aircraft accident, generally without requiring a determination of legal liability.
Aviation insurance guidance specifically identifies ambulance expenses among the costs payable under Aircraft Medical Payments coverage. AOPA explains that aircraft medical-payments protection can pay expenses including ambulance, surgical, dental, professional nursing, and related medical costs for qualifying injuries involving the insured aircraft. Standard aircraft liability wording likewise describes Medical Payments coverage as including necessary medical, surgical, ambulance, hospital, professional nursing, and funeral services, subject to the stated policy terms and limits.
A deductible, option B, is an amount retained by the insured and therefore is not a coverage category paying transportation charges. Premiums, option C, are the consideration paid for insurance. Fiduciary liability, option D, addresses breaches of fiduciary duties and has no connection with emergency medical transportation following an aircraft accident.
Medical Payments should also be distinguished from Aircraft Bodily Injury Liability. Liability coverage depends upon legal responsibility, whereas medical-payments protection is generally intended to fund relatively immediate medical expenses without first establishing negligence.
Therefore, A is correct.
質問 # 96
Homeowner Policies exclude coverage for
正解：C
解説：
The correct answer is A. Standard homeowners property forms contain a broad earth movement exclusion, encompassing events such as earthquake, landslide, mudslide, earth sinking, rising, or shifting, subject to the precise policy wording and any endorsements purchased. Earthquake coverage ordinarily requires a separate endorsement or policy. The Series 17-70 examination outline specifically requires knowledge of Homeowners Policy additional coverages, perils insured against, exclusions, conditions, and selected endorsements, including an earthquake endorsement.
The remaining choices describe protections commonly appearing as Additional Coverages rather than general exclusions. Debris Removal reimburses reasonable expenses for removing debris of covered property following a covered cause of loss. Insurance-regulator guidance confirms debris removal is ordinarily incorporated into homeowners coverage when the underlying damage results from an insured peril.
Likewise, Property Removed protects covered property against direct loss while it is being removed from endangered premises to safeguard it from an insured peril, subject to the form's time limitations. Fire Department Service Charge provides a specified additional amount when an insured incurs a contractual fire- department service charge. These provisions are standard examples of homeowners additional coverages.
Therefore, among the four choices, earth movement is the excluded cause of loss.
質問 # 97
Under the Businessowners Policy (BOP), business income loss coverage begins after a covered loss has occurred and continues for a MAXIMUM of
正解：A
解説：
The correct answer is D - 12 consecutive months. Under the ISO Businessowners Coverage Form applicable to the form generation tested by this examination material, Business Income coverage pays the actual loss of Business Income sustained during the applicable period of restoration, subject to the contractual maximum of
12 consecutive months after the date of direct physical loss or damage. Policy schedules describing BP 00 03 likewise identify Business Income and Extra Expense as actual-loss-sustained coverage not exceeding 12 consecutive months.
Business Income protection is intended to place the insured, within policy limitations, in approximately the financial position it would have occupied had the covered interruption not occurred. It generally incorporates net income that would have been earned plus continuing normal operating expenses, subject to the particular form.
Options A, B, and C materially understate the maximum period prescribed by the BOP wording tested here.
They should not be confused with separate time restrictions that may apply to specific additional coverages, waiting periods, extended business income provisions, payroll limitations, or endorsements.
The Series 17-70 official outline assigns a specific section to the Businessowners (2010) Policy, including property coverage, additional coverages, causes of loss, exclusions, loss conditions, and definitions.
Therefore, the examination answer is D.
質問 # 98
Which is NOT a type of bond?
正解：D
解説：
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.
質問 # 99
On a Commercial General Liability claims-made policy, a claim is first made when notice of the claim is received by the insured party or the
正解：B
解説：
The correct answer is A - insurer. Under standard claims-made CGL wording, a claim by a person or organization seeking damages is generally considered made when notice of the claim is received and recorded by any insured or by the insurer, whichever occurs first. Judicial decisions reproducing standard claims-made CGL language apply exactly this trigger.
This differs fundamentally from an occurrence-based CGL policy. Under an occurrence form, coverage is principally tied to when the bodily injury or property damage occurs. Under a claims-made form, the timing of the claim being made-and where required, reported-becomes a central coverage trigger. A retroactive date and applicable Extended Reporting Period may also affect whether the claim is covered.
Receipt by the injured party does not constitute the relevant claim-made trigger because the injured party is ordinarily the person asserting the claim. Likewise, receipt by the claimant's attorney does not satisfy the contractual language. An insurance agent may transmit notice, but the standardized answer asks which party, in addition to an insured, is expressly identified in the claims-made provision: the insurer.
The Series 17-70 outline specifically tests occurrence versus claims-made, claims-made and reported coverage, trigger, retroactive date, and Extended Reporting Periods.
Therefore, A is correct.
質問 # 100
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