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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Dwelling and Homeowners Insurance | - Personal umbrella policies - New York specific endorsements - Personal liability supplement - Homeowners property coverage - Standard Fire Policy - Homeowners liability coverage - Dwelling policies | |
| Topic 2: Insurance Principles and Concepts | - Hazards - Insurance principles and concepts - Concealment - Waiver and estoppel - Representations and misrepresentations - Warranties - Physical hazards - Insurable interest - Fraud - Insurance contracts - Morale hazards - Moral hazards | |
| Topic 3: Commercial Package Policy | 38% | - First named insured - Common policy conditions - Components of a commercial policy - Monoline versus package policies - Common policy declarations |
| Topic 4: Other Property and Liability Coverages | - Crime insurance - Surety and fidelity bonds - Aviation insurance - Commercial automobile - Workers compensation - Ocean marine - Flood insurance - Excess liability - Personal automobile - Inland marine | |
| Topic 5: New York Unfair Claim Settlement and Prohibited Practices | - New York claim settlement laws and regulations - Unfair claim settlement practices - Terrorism Risk Insurance Act - Consumer privacy requirements - New York cybersecurity regulation - Insurance fraud and false statements | |
| Topic 6: Insurance Regulation | - Fingerprinting - Qualifications - Licensing requirements - License renewal - Temporary adjuster permits - License maintenance and duration - Licensing process - Bond requirements | |
| Topic 7: Commercial Property | - Commercial property coverage - Commercial Package Policy - Commercial property forms and endorsements - Businessowners Policy - Commercial General Liability | |
| Topic 8: Claims Adjustment Procedures | - Subrogation procedures - Appraisal - Reservation of rights letters - Coverage problems - Arbitration - Execution of releases - Claims adjustment procedures - Releases - Competitive estimates - Non-waiver agreements - Settlement procedures - Advance payments - Negotiation - Mediation - Draft authority - Alternative dispute resolution |
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問題 #84
What may the insurer issue if the insured did NOT report a claim on time?
答案：D
解題說明：
The correct answer is B - Reservation of rights letter. When an insurer receives a claim presenting a potential coverage problem-such as allegedly late notice-the insurer may investigate while expressly reserving its rights under the policy. A reservation of rights advises the insured that participation in investigation or adjustment should not be interpreted as a waiver of the insurer's potential coverage defenses.
New York cases illustrate the use of reservations specifically involving late-notice issues. For example, an insurer may identify the policy's prompt-notice requirement and preserve the right to rely on untimely notice while obtaining the information necessary to determine its coverage position.
A declaratory judgment, option A, is a court determination, not simply a document the insurer "issues." The insurer may bring a declaratory judgment action when a coverage controversy requires judicial resolution.
Option C is not the appropriate mechanism. Option D is overly broad; late reporting does not automatically authorize the insurer to deny every claim without analysis of the applicable policy and New York law.
A critical New York distinction is that a reservation of rights is not automatically a substitute for a legally required timely disclaimer where Insurance Law requirements apply.
The Series 17-70 outline expressly tests Coverage Problems, Reservation of Rights Letter, Non-Waiver Agreement, and Declaratory Judgment Action.
問題 #85
Accident-only policies commonly include benefits due to losses related to
答案：B
解題說明：
The correct answer is C. Accident-only insurance is a limited form of accident and health coverage in which benefits are triggered by an accident or specified category of accidental event, rather than by sickness generally. The NAIC defines an accident as an unexpected event or circumstance without deliberate intent and describes accident-only insurance as coverage for death, dismemberment, disability, hospital treatment, or medical care caused or necessitated by an accident or specified kinds of accidents.
Option A is incorrect because illness is not converted into an accident simply because its onset is unexpected.
Coverage for sickness belongs to health or medical insurance provisions unless specifically included by another policy form. Option B, congenital diseases, similarly concerns medical conditions rather than accidental occurrences. Option D is too broad because the mere absence of intentional conduct does not automatically satisfy the policy's definition of an accidental injury or covered accident. There must be the required causal connection to an insured accidental event.
The Series 17-70 content outline expressly tests Accidental Injury, classes of accident and health coverage, limited policies, and specifically Accident-Only coverage.
Accordingly, a fortuitous, unexpected accidental event is the operative trigger, making C the correct answer.
問題 #86
Which of the following situations would REQUIRE a commercial umbrella policy?
答案：A
解題說明：
The correct answer is D - covering large losses that exceed the underlying liability coverage. A commercial umbrella policy is designed primarily to provide an additional layer of liability protection above specified underlying insurance, commonly Commercial General Liability, Business Auto Liability, and Employers Liability.
When a covered catastrophic claim exceeds the applicable underlying policy limit, the umbrella can respond above that exhausted limit, subject to its attachment point, exclusions, retained limits, and other contractual provisions. Insurance industry guidance describes commercial umbrella insurance as protection intended for unusually large losses after the underlying liability limits have been used up.
Option A is incorrect because statutory minimum insurance requirements are generally satisfied through required primary insurance, not by purchasing an umbrella. Option B is unrelated; the NAIC does not mandate umbrella insurance merely to make an insured's policies uniform. Option C is also incorrect because reinsurance protects insurers and surplus lines insurance addresses risks that may not be available in the admitted market; neither is replaced simply by an insured purchasing umbrella coverage.
A commercial umbrella may also provide broader protection than pure follow-form excess insurance, depending on its specific wording.
The Series 17-70 curriculum specifically tests Commercial Umbrella CU 00 01, underlying limits, excess coverage, stand-alone coverage, and follow-form concepts.
Therefore, D is correct.
問題 #87
Charges for transporting a person injured in an aircraft accident by ambulance are covered under
答案：D
解題說明：
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.
問題 #88
Under an equipment breakdown coverage form, a breakdown would include
答案：C
解題說明：
The correct answer is C - Explosion of a pressure vessel. Equipment Breakdown insurance evolved from traditional boiler and machinery coverage and protects against specified accidental failures involving mechanical, electrical, and pressure equipment. Boilers and pressure vessels remain central examples of covered equipment.
Travelers identifies boilers and pressure vessels among equipment insured by equipment-breakdown coverage and explains that such coverage can protect against losses associated with explosions, mechanical failures, and electrical arcing. IRMI likewise describes boiler or pressure-vessel explosion as a traditional equipment- breakdown exposure.
The other choices describe conditions that ordinarily do not independently satisfy the definition of a covered breakdown. Wear and tear represents gradual deterioration rather than a sudden accidental equipment event.
Leakage at valves or fittings is commonly specifically distinguished from breakdown. The functioning or failure characteristics of protective or safety devices also require analysis under the precise form and generally do not constitute the intended qualifying breakdown in this question.
Equipment Breakdown insurance is especially important because standard commercial property forms may exclude or restrict losses caused by mechanical breakdown, electrical disturbance, or certain pressure- equipment events.
Series 17-70 reference topics: Other Coverages - Equipment Breakdown, Property Exposures, Causes of Loss, Exclusions, and Specialized Commercial Coverages.
問題 #89
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