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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Ethics & Professional Responsibility | 15% | - Fraud detection and reporting obligations - Fiduciary duty, conflict of interest, and confidentiality - Fair claims handling standards and professional conduct |
| Topic 2: Claims Investigation & Adjusting Procedures | 20% | - Loss valuation, damage assessment, and estimating - Settlement negotiation, reservation of rights, and denial procedures - Claim intake, notice of loss, and initial investigation - Evidence gathering, coverage analysis, and policy interpretation |
| Topic 3: Property & Casualty Coverages | 25% | - Dwelling and Homeowners policies - Specialty lines โ Inland Marine, Flood, Workers' Compensation, Crime - General Liability and Commercial General Liability - Commercial Property and Businessowners policies - Automobile coverages โ Personal and Commercial |
| Topic 4: New York Insurance Law & Regulations | 25% | - Licensing requirements, eligibility, and examination rules - State-specific policy provisions and mandatory endorsements - Unfair Claims Settlement Practices Act / Regulation 64 - NY Insurance Law Articles and DFS regulations |
| Topic 5: Insurance Fundamentals & General Principles | 15% | - Indemnity, subrogation, utmost good faith - Insurance contract elements and legal structure - Risk management and insurable interest |
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NEW QUESTION # 106
Which of the following two perils are excluded under the dwelling broad form if a building is vacant for more than 30 consecutive days?
Answer: A
Explanation:
The intended answer is B. Under the dwelling broad form, the two named-peril provisions carrying the vacancy limitation tested by this item are Damage by Burglars and Accidental Discharge or Overflow of Water or Steam. Older DP 00 02 language provided that damage by burglars was not covered when the dwelling had been vacant for more than 30 consecutive days, and the accidental-discharge peril contained the same 30-day vacancy restriction.
Falling Objects and Weight of Ice, Snow, or Sleet have their own coverage limitations, but the specific vacancy restriction presented here does not apply to those perils. Freezing is controlled by separate requirements concerning reasonable care to maintain heat or shut off the water supply and drain the systems.
For Series 17-70 accuracy, there is an important edition distinction: the official New York outline identifies the Dwelling (2014) Policy, and ISO DP 00 02 07 14 changed the comparable vacancy period to 60 consecutive days, not 30. The same two relevant perils remain Damage by Burglars and Accidental Discharge
/Overflow of Water or Steam.
Thus, B is the intended answer, while the video's "30 consecutive days" language reflects the older dwelling- form edition.
NEW QUESTION # 107
Which of the following is an example of an unfair claim settlement practice?
Answer: C
Explanation:
The correct answer is A. New York Insurance Law ยง2601 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 ยง2601 under Insurance Regulation.
Accordingly, the conduct in A is the regulatory violation contemplated by the question.
NEW QUESTION # 108
Which of the following is an exclusion on the Businessowners Policy (BOP) under the liability section?
Answer: D
Explanation:
The correct answer is A - Liquor liability. The Businessowners liability section includes a Liquor Liability exclusion addressing bodily injury or property damage for which an insured may be held liable because of causing or contributing to intoxication, furnishing alcoholic beverages to underage or intoxicated persons, or violating laws concerning the sale, gift, distribution, or use of alcoholic beverages.
Under the standard BOP formulation, the exclusion principally applies when the named insured is engaged in the business of manufacturing, distributing, selling, serving, or furnishing alcoholic beverages. Thus, it should not be interpreted as eliminating every alcohol-related incident for every BOP insured. Host-liquor situations may remain covered when the insured is not engaged in the liquor business, subject to the actual form.
Options B, C, and D identify important liability exposures ordinarily included within the BOP's liability framework. Products and completed operations liability is part of the business liability protection, while personal and advertising injury is a separate liability coverage component subject to its own exclusions.
The Series 17-70 examination outline expressly requires knowledge of the Businessowners Liability Coverage Form-Coverages and Exclusions. It also separately identifies Liquor Liability as a specialty liability subject.
Therefore, among the listed choices, Liquor Liability is the correct exclusion.
NEW QUESTION # 109
The Commercial Inland Marine Conditions Form, when attached to the Commercial Inland Marine Coverage Section, provides which of the following?
Answer: D
Explanation:
The correct answer is A - the insured party's duties in the event of a loss. The Commercial Inland Marine Conditions Form (CM 00 01) supplies common conditions applicable to qualifying Commercial Inland Marine coverage forms. One of its central provisions is Duties in the Event of Loss.
Those duties include notifying law enforcement when a law may have been broken, giving the insurer prompt notice of the loss, describing the property involved, explaining how, when, and where the loss occurred, protecting property from further damage, preserving damaged property for examination when feasible, providing requested inventories and records, submitting to examination under oath when required, and cooperating with the insurer.
Option B is incorrect because the conditions form does not itself create a generic transportation-and- communication coverage grant. Specific inland marine coverage forms insure particular property classes or transportation exposures. Option C is too broad; coverage depends on the individual inland marine form and applicable exclusions. Option D is not the principal function of CM 00 01.
The official Series 17-70 outline explicitly includes CM 00 01 - Commercial Inland Marine Conditions within its Commercial Package Policy material.
Therefore, A is correct.
NEW QUESTION # 110
In a Dwelling Policy, an unoccupied property refers to one that has no
Answer: B
Explanation:
The correct answer is B - inhabitants. Insurance terminology distinguishes unoccupied property from vacant property. An unoccupied dwelling is generally one that is not presently being lived in but may continue to contain the furniture, fixtures, and personal property normally associated with habitation. A vacant building, by contrast, generally lacks both inhabitants and substantial contents necessary for ordinary occupancy.
New York Department of Financial Services guidance directly addresses this distinction. DFS explains that a vacant residence typically contains no personal property and no inhabitants, whereas an unoccupied residence may retain fixtures and furniture but has no inhabitants or occupants. New York case law cited by DFS similarly treats an unoccupied building as one not being lived in even though personal property remains.
Consequently, option C describes an element more characteristic of vacancy, not merely unoccupancy. The presence or absence of alarms or locks does not determine occupancy status, eliminating A and D.
This distinction matters because vacancy and unoccupancy can affect particular causes of loss, conditions, exclusions, protective obligations, and claim determinations. The Series 17-70 outline tests policy definitions, conditions, exclusions, and dwelling-property coverage concepts.
Therefore, a dwelling without inhabitants is properly characterized as unoccupied, making B correct.
NEW QUESTION # 111
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