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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Dwelling and Homeowners Insurance | - Standard Fire Policy - Homeowners liability coverage - Dwelling policies - New York specific endorsements - Personal liability supplement - Personal umbrella policies - Homeowners property coverage | |
| Topic 2: New York Unfair Claim Settlement and Prohibited Practices | - Unfair claim settlement practices - Terrorism Risk Insurance Act - Insurance fraud and false statements - New York claim settlement laws and regulations - New York cybersecurity regulation - Consumer privacy requirements | |
| Topic 3: Commercial Property | - Businessowners Policy - Commercial property coverage - Commercial property forms and endorsements - Commercial Package Policy - Commercial General Liability | |
| Topic 4: Commercial Package Policy | 38% | - Monoline versus package policies - Common policy declarations - Components of a commercial policy - First named insured - Common policy conditions |
| Topic 5: Other Property and Liability Coverages | - Flood insurance - Workers compensation - Crime insurance - Personal automobile - Aviation insurance - Ocean marine - Excess liability - Inland marine - Commercial automobile - Surety and fidelity bonds | |
| Topic 6: Claims Adjustment Procedures | - Advance payments - Claims adjustment procedures - Execution of releases - Reservation of rights letters - Settlement procedures - Alternative dispute resolution - Subrogation procedures - Competitive estimates - Draft authority - Releases - Mediation - Arbitration - Non-waiver agreements - Negotiation - Coverage problems - Appraisal | |
| Topic 7: Insurance Regulation | - Licensing requirements - Temporary adjuster permits - Licensing process - License maintenance and duration - Qualifications - Bond requirements - License renewal - Fingerprinting | |
| Topic 8: Insurance Principles and Concepts | - Waiver and estoppel - Hazards - Morale hazards - Warranties - Insurable interest - Insurance contracts - Representations and misrepresentations - Physical hazards - Moral hazards - Fraud - Insurance principles and concepts - Concealment |
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20. Frage
The Commercial Inland Marine Conditions Form, when attached to the Commercial Inland Marine Coverage Section, provides which of the following?
Antwort: C
Begründung:
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.
21. Frage
Under an HO-6 policy, Coverage A - Dwelling applies to all of the following EXCEPT
Antwort: A
Begründung:
The correct answer is B - unattached appliances. The HO-6 Condominium Unit-Owners form uses Coverage A differently from an ordinary homeowners dwelling form. Coverage A applies to qualifying alterations, appliances, fixtures, and improvements that are part of the building, together with specified items of real property pertaining exclusively to the residence premises and property for which the insured has insurance responsibility under the condominium association agreement.
Current judicial reproduction of condominium-policy language confirms that Coverage A includes
"alterations, appliances, fixtures and improvements" that are part of the building on the residence premises.
Thus, a built-in kitchen cabinet is a fixture forming part of the unit. Attached bathroom fixtures likewise constitute building fixtures. A permanently installed water heater serving the unit can also qualify as building property depending on ownership and association responsibility.
An unattached appliance, however, ordinarily remains personal property rather than a building fixture. Such property is generally analyzed under Coverage C - Personal Property, not Coverage A. The key examination distinction is whether the property has become part of the building or remains movable personal property.
The Series 17-70 outline specifically requires knowledge of HO-2 through HO-6, definitions, Coverage A - Dwelling, Coverage C - Personal Property, and other Section I property coverages.
22. Frage
When investigating a liability claim against your insured, the insured calls you and requests that you deny the claim because the insured believes the claim lacks merit. As the adjuster you CANNOT
Antwort: A
Begründung:
The correct answer is B. An independent adjuster's claim decision must be based on the policy, facts, evidence, applicable law, and authority received from the insurer, not merely on the insured's preference that a third-party claim be rejected. An insured's assertion that a claim is meritless is relevant information, but it does not substitute for an objective investigation.
New York Regulation 64 establishes prompt and fair claims-handling standards. DFS states that insurers should assist in claim processing, obtain verification where reasonably necessary, clearly communicate positions on disputed matters, and respond promptly to interested parties. DFS also identifies unfair claims settlement practices as prohibited conduct.
Accordingly, the adjuster may inform the insurer of the insured's position, making A permissible. The adjuster can also decline to follow an unsupported instruction to deny the claim, so C is permissible. Contacting the claimant to investigate the circumstances is an appropriate fact-development step, making D permissible.
What the adjuster cannot properly do is deny liability simply because the insured wants a denial. Such action would bypass the required investigation and professional evaluation.
The Series 17-70 outline specifically tests the adjuster's role, duties and responsibilities, claim investigation, liability-loss investigation procedures, verification, and settlement procedures.
23. Frage
The insured under a property policy has placed $100,000 of stock in storage. The stock is damaged by a covered cause of loss. What policy provision assures that the storage facility will NOT collect any claim payment?
Antwort: C
Begründung:
The correct answer is C - No benefit to bailee. A bailee is a person or organization that temporarily has possession or custody of another person's property. A commercial storage facility holding the insured's stock is therefore functioning as a bailee.
The commercial property condition commonly called No Benefit to Bailee prevents the insurance purchased by the property owner from directly or indirectly benefiting a person or organization merely because that party has custody of the covered property. Court decisions quoting standard commercial property wording state that a person or organization having custody of covered property does not benefit from the insured's property insurance.
The provision preserves the insurer's ability, where appropriate, to pursue recovery against a negligent bailee after paying the insured. Without such wording, a bailee might attempt to rely on the owner's insurance as protection against its own responsibility.
Liberalization automatically broadens coverage when specified policy changes occur. A mortgage clause protects qualifying mortgagees. Assignment concerns transfer of policy rights and generally requires insurer consent.
The Series 17-70 outline tests Commercial Property Conditions, Covered Property, loss conditions, subrogation concepts, and common policy provisions.
Thus, C is the precise answer.
24. Frage
What type of insurance covers goods in transit over water?
Antwort: D
Begründung:
The correct answer is A - Cargo. Marine Cargo Insurance protects goods or merchandise against covered physical loss or damage while those goods are being transported. Although historically associated primarily with ocean voyages, contemporary cargo policies can cover transit by sea, air, road, rail, or combinations of these methods.
Major marine insurers describe cargo coverage specifically as insurance for goods in transit, including movements by sea. Thus, when the exposure is physical loss of merchandise being transported over water, cargo insurance is the correct form.
"Freight," option C, ordinarily refers to transportation charges or, in marine terminology, the financial interest associated with earning freight charges. It does not identify the insurance protecting the goods themselves.
Protection and Indemnity, option D, is principally maritime liability insurance for vessel owners and operators, addressing exposures such as third-party bodily injury, property damage, crew liability, collision liabilities, and related maritime obligations. "Piracy" is a peril or specialized exposure rather than the general policy classification requested.
An independent adjuster must distinguish hull, cargo, freight, and protection-and-indemnity interests because each represents a different insurable interest within ocean marine insurance.
Therefore, goods transported over water are insured under Cargo Insurance, making A correct.
25. Frage
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