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| Section | Weight | Objectives |
|---|---|---|
| Commercial Property | - Businessowners Policy - Commercial property coverage - Commercial General Liability - Commercial property forms and endorsements - Commercial Package Policy | |
| Commercial Package Policy | 38% | - Components of a commercial policy - Common policy declarations - Common policy conditions - Monoline versus package policies - First named insured |
| Dwelling and Homeowners Insurance | - Personal umbrella policies - Personal liability supplement - Homeowners property coverage - Homeowners liability coverage - Standard Fire Policy - Dwelling policies - New York specific endorsements | |
| Claims Adjustment Procedures | - Subrogation procedures - Coverage problems - Advance payments - Claims adjustment procedures - Arbitration - Settlement procedures - Execution of releases - Appraisal - Draft authority - Reservation of rights letters - Alternative dispute resolution - Mediation - Competitive estimates - Releases - Non-waiver agreements - Negotiation | |
| New York Unfair Claim Settlement and Prohibited Practices | - Consumer privacy requirements - Insurance fraud and false statements - New York claim settlement laws and regulations - New York cybersecurity regulation - Terrorism Risk Insurance Act - Unfair claim settlement practices | |
| Insurance Principles and Concepts | - Warranties - Representations and misrepresentations - Insurable interest - Fraud - Concealment - Hazards - Physical hazards - Insurance contracts - Morale hazards - Insurance principles and concepts - Moral hazards - Waiver and estoppel | |
| Insurance Regulation | - Fingerprinting - Qualifications - Licensing process - Bond requirements - License renewal - License maintenance and duration - Temporary adjuster permits - Licensing requirements | |
| Other Property and Liability Coverages | - Flood insurance - Personal automobile - Inland marine - Ocean marine - Crime insurance - Aviation insurance - Commercial automobile - Surety and fidelity bonds - Workers compensation - Excess liability |
>> NY-Independent-General-Adjuster Fragen Beantworten <<
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51. Frage
If a businessowner has a loss, which of the following will the insurer REQUIRE from the insured to assist in the business interruption portion of the claim?
Antwort: A
Begründung:
The correct answer is A. A business interruption or Business Income claim requires documentary evidence sufficient to establish what the business would probably have earned had the covered loss not occurred.
Financial records are therefore indispensable. Relevant documentation commonly includes profit-and-loss statements, sales records, payroll information, general ledgers, prior financial statements, income-tax returns, and associated tax schedules.
The standard Business Income coverage conditions authorize the insurer, as often as reasonably required, to examine the insured's books and records and make copies. This enables the adjuster to reconstruct historical income, determine continuing and noncontinuing expenses, identify trends, evaluate the period of restoration, and calculate the actual Business Income loss.
An examination under oath can also be required during a claim investigation, but it is not the best answer to what specifically assists with the business interruption calculation. Furniture and fixture inventories principally support physical property claims. An onsite inspection likewise assists investigation but does not provide the financial evidence needed to quantify lost earnings.
The official Series 17-70 outline specifically tests Business Income/Extra Expense, Business Interruption/time element, and the insured's duty to produce books and records after loss.
52. Frage
Which section of an insurance policy clarifies the meanings of certain terms used in the policy?
Antwort: C
Begründung:
The correct answer is D - Definitions. The Definitions section establishes the contractual meaning of important words and phrases used throughout an insurance policy. Defined terms often appear in quotation marks, boldface, or another distinctive format and must be interpreted according to the policy definition rather than solely according to ordinary conversational meaning. This is critical for adjusters because coverage determinations frequently depend on whether a person, property, event, or circumstance satisfies a defined term such as "insured," "occurrence," "bodily injury," "property damage," "residence premises," or "your covered auto." The Insuring Agreement states the insurer's basic promise to provide coverage when specified requirements are met. The Declarations identify policy-specific information such as the named insured, policy period, insured property, selected coverages, limits, and deductibles. The Conditions establish contractual rules and duties governing matters such as notice of loss, cooperation, cancellation, and claim handling.
An adjuster should therefore review definitions together with the coverage grant, exclusions, and conditions before reaching a coverage decision. A term defined within the contract controls the interpretation of that term for that policy.
Series 17-70 reference topics: Insurance Basics - Policy Structure, Definitions, Insuring Agreement, Declarations, Conditions, and Interpretation of Policy Language.
53. Frage
A Public Employee Bond would be REQUIRED for which town employee?
Antwort: C
Begründung:
The correct answer is C - Treasurer. A Public Official or Public Employee Bond guarantees the faithful and honest performance of duties by a public official or employee, particularly where the position involves custody, control, collection, or disbursement of public funds.
Treasurers are among the classic positions requiring public official bonds because they exercise direct fiduciary responsibility over governmental money. Surety industry guidance specifically identifies treasurers, tax collectors, clerks, and similar public officials as common positions for which statutory public-official bonds are required. The Surety Association's classification material likewise specifically identifies treasurers and tax collectors as public officials with bonding exposures.
A truck driver, lifeguard, or librarian may certainly be a municipal employee, but those occupations do not inherently involve the fiduciary custody and accounting of public funds that makes a Treasurer the clear examination answer. A particular jurisdiction could impose bonding requirements on additional positions, but that does not alter the general surety principle tested here.
Public official bonds protect the governmental entity and ultimately the public rather than functioning as conventional liability insurance for the official.
The Series 17-70 surety material requires knowledge of official bonds, public employee bonds, fidelity obligations, principals, obligees, and sureties.
Therefore, C is correct.
54. Frage
Under a Commercial Package Policy (CPP), the first named insured possesses all of the following responsibilities EXCEPT
Antwort: C
Begründung:
The correct answer is C - submitting surveys of the insured business to the insurer. The CPP Common Policy Conditions grant the first named insured several special rights and responsibilities. The first named insured may cancel the policy by providing the required written notice, is the party to whom applicable premium refunds are sent, and is authorized to make policy changes with the insurer's consent. Therefore, requesting an adjustment to policy limits falls within the first named insured's authority to seek policy changes.
The Inspections and Surveys condition operates differently. It gives the insurer the right, but generally not the obligation, to make inspections and surveys, provide reports concerning conditions found, and recommend changes. The policy does not impose a standard responsibility on the first named insured to prepare and submit surveys of the business. Standard common-policy wording expressly assigns the inspection-and-survey right to the insurer.
The first named insured also has important premium-related functions. Standard CPP wording provides for return premiums to be sent to the first named insured and recognizes the first named insured's cancellation authority.
The Series 17-70 outline specifically tests CPP components, Common Policy Declarations, Common Policy Conditions, and the First Named Insured.
55. Frage
A deli customer died from food poisoning because the chicken salad was not prepared correctly. Which type of loss is this an example of?
Antwort: C
Begründung:
The correct answer is A - Bodily injury. Commercial General Liability terminology defines "bodily injury" broadly to include bodily injury, sickness, or disease sustained by a person, including death resulting from any of these. Food poisoning from improperly prepared chicken salad constitutes sickness or disease affecting a person's body; because the customer dies as a result, the resulting death remains within the bodily-injury definition.
This scenario may also implicate the products-completed operations hazard, because the allegedly defective or contaminated food caused injury after being provided to the customer. Nevertheless, the question asks for the type of loss, not which CGL hazard classification applies. The loss is therefore bodily injury.
Property damage refers to physical injury to tangible property or qualifying loss of use and does not describe injury or death to a human being. "Health injury" is not the standardized CGL category used for this coverage.
Personal and advertising injury concerns specifically defined offenses such as false arrest, malicious prosecution, wrongful eviction, certain privacy violations, and specified publication-related offenses-not physical illness from contaminated food.
The Series 17-70 outline expressly covers CGL bodily injury and property damage liability, premises and operations, and products-completed operations.
56. Frage
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