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| Section | Weight | Objectives |
|---|---|---|
| Insurance Regulation | 6% | - Disciplinary Actions
|
| Accident and Health Insurance Basics | 6% | - Limited Policies
|
| Insurance Basics | 6% | - Insurance Contracts
|
| Medical Reports and Terminology | 4% | - Injuries, Diseases and Medical Tests
|
| Personal Inland Marine | 13% | - Personal Articles Floater
|
| Dwelling Policy | 6% | - Property Coverages
|
| Homeowners Policy | 10% | - Selected Endorsements
|
| Adjusting Losses | 11% | - Property and Liability Losses
|
| Commercial Package Policy | 38% | - Commercial Policy Components
|
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NEW QUESTION # 73
Which of the following endorsements ensures that your contents are NOT valued on an actual cash value basis?
Answer: D
Explanation:
The correct answer is D - Personal Property Replacement Cost. Under standard homeowners loss-settlement principles, personal property is commonly settled initially on an actual cash value (ACV) basis unless replacement-cost treatment is provided by the policy or an endorsement. ACV normally reflects depreciation, whereas replacement cost measures the amount required to replace damaged property with property of like kind and quality without deducting depreciation, subject to the policy's conditions and limitations.
The Personal Property Replacement Cost endorsement, HO 04 90, modifies the homeowners contract so qualifying Coverage C personal property may be settled on a replacement-cost basis instead of ordinary ACV treatment. The official Series 17-70 content outline specifically identifies Personal Property Replacement Cost (HO 04 90) as a selected homeowners endorsement and separately tests ACV and replacement-cost valuation.
Inflation guard principally adjusts coverage limits to reflect increasing construction costs; it does not itself convert contents from ACV to replacement cost. "Other insurance" governs coordination when multiple policies apply. Increased cost of construction typically addresses additional building costs generated by enforcement of ordinances or laws rather than depreciation on personal property.
New York DFS distinguishes replacement cost from ACV by noting that replacement-cost settlement does not deduct depreciation.
Therefore, D is correct.
NEW QUESTION # 74
Which of the following is covered by the Causes of Loss - Special Form under commercial property?
Answer: A
Explanation:
The correct answer is D - Windstorm. The Commercial Property Causes of Loss - Special Form operates primarily on an open-perils basis. Rather than limiting coverage only to individually listed causes of loss, it generally covers risks of direct physical loss unless the cause is specifically excluded or limited by the form.
The Special Form specifically excludes smog. It also contains a Water exclusion that includes flood, surface water, waves, overflow of bodies of water, mudslide, and mudflow. Consequently, options A, B, and C describe causes specifically removed from the broad Special Form coverage grant.
Windstorm, by contrast, is not generally excluded by the standard Causes of Loss - Special Form. Direct physical damage caused by wind is therefore ordinarily covered unless another exclusion, limitation, endorsement, or property-specific provision applies.
This illustrates an essential adjusting distinction. Under a named-perils form, the insured must establish that the damage resulted from one of the listed covered causes. Under an open-perils Special Form, analysis begins with broad direct physical loss coverage and then determines whether an exclusion or limitation removes the loss.
The Series 17-70 outline specifically covers Commercial Property causes-of-loss forms, exclusions, and open- versus-named-peril concepts.
Therefore, D is correct.
NEW QUESTION # 75
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?
Answer: A
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 # 76
Under a Businessowners Policy, Inside the Premises - Robbery or Safe Burglary of Money and Securities, this coverage applies to robbery of
Answer: D
Explanation:
The correct answer is C - a custodian that takes place within the premises. Crime coverage titled Inside the Premises - Robbery of a Custodian or Safe Burglary of Money and Securities is specifically structured to protect money and securities against robbery of a custodian while inside the insured premises, as well as qualifying safe or vault burglary.
Current ISO commercial-crime analysis states that coverage applies to loss of money and securities resulting from the robbery of a custodian inside the insured premises or from safe or vault burglary or attempted burglary. A custodian generally includes the named insured, partners, members, or employees having care and custody of the insured property, subject to the form's definition.
Options A and B are incorrect because they place the robbery off premises. Off-premises losses are addressed by different crime insuring agreements, such as Outside the Premises coverage. Option D is incorrect because the critical insured person for this particular robbery provision is a custodian, not simply any customer or client present at the business.
The adjuster must distinguish theft, robbery, burglary, safe burglary, and employee dishonesty because each has a particular contractual meaning and may trigger different coverage.
Therefore, the event specifically contemplated by this coverage is robbery of a custodian inside the premises, making C correct.
NEW QUESTION # 77
According to the conditions of Commercial General Liability (CGL), what are the insured's duties in the event of an occurrence, claim, or suit?
Answer: A
Explanation:
The correct answer is B. Under the standard CGL condition titled Duties in the Event of Occurrence, Offense, Claim or Suit, the insured must see that the insurer is notified as soon as practicable of an occurrence or offense that may result in a claim. The notice should, to the extent possible, identify how, when, and where the occurrence happened, the names and addresses of injured persons and witnesses, and the nature and location of resulting injury or damage. New York Court of Appeals decisions reproduce this CGL condition substantially verbatim.
Option A is incorrect because the standard CGL does not establish a universal seven-day reporting deadline.
Option C is defective because cooperation is not discretionary; the insured must cooperate with investigation, settlement, and defense and provide assistance when requested. Option D is far too broad because the policy does not require reporting every business matter.
Once an actual claim or suit is received, additional duties apply, including promptly notifying the insurer and forwarding demands, notices, summonses, and legal papers.
The Series 17-70 outline specifically covers CGL conditions, occurrence versus claims-made coverage, investigation, and duties after loss or claim.
NEW QUESTION # 78
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