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

Section	Weight	Objectives
Topic 1: Insurance Basics	6%	- Policy Structure 1. Limits, Deductibles and Other Insurance 2. Subrogation, Salvage and Loss Settlement 3. Declarations, Conditions and Exclusions - Insurance Principles 1. Hazards, Negligence and Liability 2. Causes and Valuation of Loss 3. Insurable Interest and Indemnity - Insurance Contracts 1. Representations, Warranties and Concealment 2. Elements and Characteristics
Topic 2: Adjusting Losses	11%	- Claim Investigation 1. Claim Reporting and Documentation 2. Evidence and Witness Statements - Role of the Adjuster 1. Independent, Staff and Public Adjusters 2. Duties and Responsibilities - Property and Liability Losses 1. Estimates, Depreciation and Salvage 2. Coverage Verification and Loss Evaluation - Claim Settlement 1. Negotiation and Releases 2. Subrogation, Appraisal and Arbitration
Topic 3: Commercial Package Policy	38%	- Transportation Coverages 1. Transit Coverage 2. Motor Truck Cargo 3. Common Carrier Legal Liability - Commercial Inland Marine 1. Marine Definition and Conditions 2. Jewelers Block, Signs and Electronic Data Processing 3. Accounts Receivable and Valuable Papers 4. Contractors Equipment and Installation Floaters - Commercial Policy Components 1. Common Policy Declarations 2. Common Policy Conditions
Topic 4: Accident and Health Insurance Basics	6%	- Limited Policies 1. Hospital, Dental and Vision Coverage 2. Accident-Only and Specified Disease - Types of Coverage 1. Disability, Medical and Long-Term Care 2. Accidental Injury and Sickness - Accident and Health Claims 1. Investigation and Payment of Claims 2. Notice and Proof of Loss
Topic 5: Personal Inland Marine	13%	- Personal Property Floater 1. Coverage and Eligible Property - Personal Effects Floater 1. Coverage and Loss Settlement - Personal Articles Floater 1. Scheduled Personal Property
Topic 6: Dwelling Policy	6%	- Exclusions, Conditions and Endorsements 1. New York and Selected Endorsements 2. General Exclusions and Conditions - Property Coverages 1. Dwelling and Other Structures 2. Personal Property and Loss of Use - Coverage Forms and Perils 1. Covered Perils 2. Basic, Broad and Special Forms
Topic 7: Insurance Regulation	6%	- License Maintenance 1. Renewal and Changes 2. Assumed Names and Reporting - Claim Settlement Regulations 1. Consumer Privacy 2. Unfair Claim Practices - Licensing Requirements 1. Bond and Fingerprinting 2. Qualifications and Application - Disciplinary Actions 1. Suspension and Revocation 2. Penalties and Cease and Desist Orders
Topic 8: Homeowners Policy	10%	- Selected Endorsements 1. New York Special Provisions 2. Earthquake, Identity Fraud and Home Business - Coverage Forms 1. HO-2 through HO-6 2. HO-8 - Perils, Exclusions and Conditions 1. Exclusions and Conditions 2. Perils Insured Against - Liability Coverages 1. Medical Payments to Others 2. Personal Liability - Property Coverages 1. Dwelling, Other Structures and Personal Property 2. Loss of Use and Additional Coverages
Topic 9: Medical Reports and Terminology	4%	- Basic Human Anatomy 1. Cardiovascular and Abdominal Systems 2. Skeletal, Nervous and Respiratory Systems - Medical Terminology 1. Medical Specialties 2. Prefixes, Suffixes and Abbreviations - Injuries, Diseases and Medical Tests 1. Common Injuries and Diseases 2. Diagnostic Tests

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q59-Q64):

NEW QUESTION # 59
An example of the insured's consideration is

A. a contract signing requirement.
B. a paid premium.
C. an insurance application.
D. a notice of beneficiary.

Answer: B

Explanation:
The correct answer is B. Consideration is one of the elements required for an enforceable insurance contract.
Consideration means something of legal value exchanged between the contracting parties. From the insured's side of an insurance transaction, the principal consideration consists of the premium, together with the representations and promises made in the application. From the insurer's side, consideration is the contractual promise to provide the insurance protection and pay covered claims according to the policy terms.
Of the available choices, a paid premium is therefore the clearest and most direct example of the insured's consideration. An application, option A, is primarily the mechanism through which the prospective insured requests coverage and provides underwriting information; the application itself is not the best answer to what constitutes consideration. A contract-signing requirement is procedural rather than the exchanged value supporting the contract. A notice of beneficiary is associated with identifying or changing the person entitled to receive certain policy benefits and is unrelated to contractual consideration.
The official Series 17-70 examination outline specifically places Contract Basics, Elements of a Legal Contract, Offer and Acceptance, and Consideration under Insurance Basics.
Accordingly, the premium supplied by the insured in exchange for the insurer's promise of coverage makes B correct.

NEW QUESTION # 60
What is the purpose of a businessowner policy?

A. To allow insureds to provide coverage for their small business.
B. To add workers' compensation benefits.
C. To write policies that are unable to be written in the admitted market.
D. To allow insureds to cover their personal and commercial liability only.

Answer: A

Explanation:
The correct answer is C - To allow insureds to provide coverage for their small business. A Businessowners Policy, or BOP, packages several major insurance protections needed by eligible small and medium-sized businesses into a standardized policy. Typical BOP protection combines commercial property coverage, business income and extra expense protection, and business liability coverage. It is designed for businesses that fall within defined eligibility classifications and generally exhibit comparatively predictable exposures.
Option A is incorrect because a BOP is a commercial policy and is not intended to package an individual's personal liability with business liability. Option B describes an excess or surplus lines concept rather than the purpose of a BOP. BOPs are routinely written in the admitted market for eligible businesses. Option D is incorrect because standard workers' compensation insurance is not incorporated into the BOP; it normally requires a separate workers' compensation policy.
The BOP is particularly efficient because property and liability protection can be obtained within a single integrated contract instead of purchasing multiple standalone forms. However, specialized exposures may require separate policies or endorsements.
Series 17-70 reference topics: Businessowners Policy (BOP) - Eligibility, Property Coverage, Business Income, Liability Coverage, Additional Coverages, Exclusions, and Policy Conditions.

NEW QUESTION # 61
Which of the following does NOT constitute an element of acceptance of a settlement offer to a claimant?

A. The acceptance must be unconditional.
B. The person to whom the offer was made must accept the offer.
C. The person accepting the offer does so with no more than one contingent stipulation.
D. The person accepting the offer must communicate the acceptance by appropriate word or act.

Answer: C

Explanation:
The correct answer is C. A valid acceptance of an ordinary settlement offer must generally constitute unconditional assent to the offer's terms. Under the traditional common-law mirror-image principle, an alleged acceptance that changes, qualifies, or makes acceptance contingent upon an additional term is ordinarily treated as a counteroffer rather than acceptance of the original offer. Cornell's Legal Information Institute describes the mirror-image rule as requiring unconditional assent without modifications.
Therefore, there is no rule allowing the accepting party to add "one contingent stipulation" while still necessarily creating an acceptance. Even one material condition may prevent formation of the settlement on the original terms.
Option A is an element of proper acceptance. Option B is also correct because acceptance must ordinarily be manifested or communicated through an appropriate word, act, or other authorized method. Option D reflects the principle that the offeree-the person to whom the offer was made-is the party possessing the power to accept it. Cornell notes that an offer grants the offeree the power to accept and create a binding agreement.
Settlement agreements are contracts, so ordinary principles of offer, acceptance, consideration, authority, and mutual assent apply.
Accordingly, C is the statement that does not constitute a proper element of acceptance.

NEW QUESTION # 62
Leah provides transportation for her client to their business lunch. Leah's client closes the car door on her own hand. What type of coverage applies?

A. Liability.
B. Health insurance.
C. Physical damage.
D. Medical payments.

Answer: D

Explanation:
The correct answer is C - Medical payments. Automobile Medical Payments coverage is designed to pay qualifying medical and funeral expenses for the insured and passengers injured in an accident involving the covered automobile, without regard to fault, up to the stated policy limit. New York DFS expressly describes Medical Payments Coverage in these terms.
The client closes the vehicle door on her own hand. No fact establishes negligence by Leah, so liability coverage is not the best answer. Liability coverage ordinarily responds when an insured becomes legally responsible for bodily injury or property damage to another person. Here, the passenger's own action caused the injury.
Physical Damage coverage is also incorrect because it protects against damage to the automobile itself, not bodily injury sustained by a passenger. Health insurance may ultimately address certain medical expenses depending on coordination-of-benefits rules, but it is not the automobile coverage specifically designed for this scenario.
In New York, mandatory No-Fault/PIP may also be relevant to injuries arising from the use or operation of a motor vehicle and is generally primary to health insurance. However, PIP is not one of the options. Among the listed answers, Medical Payments is the intended coverage classification.
Therefore, C is correct.

NEW QUESTION # 63
What is NOT covered in the Farm Liability Coverage Form?

A. Personal and advertising injury.
B. Bodily injury and property damage.
C. Medical payments.
D. Injury to farm employees.

Answer: D

Explanation:
The correct answer is C - Injury to farm employees. The standard Farm Liability Coverage Form provides several principal liability protections. These include Coverage H - Bodily Injury and Property Damage Liability, Coverage I - Personal and Advertising Injury Liability, and Coverage J - Medical Payments.
These correspond directly to options D, B, and A.
In contrast, bodily injury sustained by an employee as a result of employment by the insured is generally excluded from the standard liability coverage. Standard Farm Liability wording excludes most bodily injury to an employee arising out of and in the course of employment, reflecting the principle that occupational injuries should ordinarily be handled through Workers Compensation or specialized farm-employer coverage rather than general farm liability.
Where broader protection for farm employees is needed, specialized endorsements or separate statutory coverage may modify the exposure. An adjuster must therefore distinguish third-party farm liability from an employer's obligations to employees.
The Series 17-70 outline specifically includes farm liability concepts and requires candidates to distinguish covered liability hazards from employee-related exclusions.
Therefore, C is correct.

NEW QUESTION # 64
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