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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Commercial Package Policy | 38% | - Common policy conditions - Monoline versus package policies - Common policy declarations - First named insured - Components of a commercial policy |
| Topic 2: Dwelling and Homeowners Insurance | - Personal umbrella policies - Homeowners property coverage - Standard Fire Policy - Personal liability supplement - New York specific endorsements - Dwelling policies - Homeowners liability coverage | |
| Topic 3: Claims Adjustment Procedures | - Draft authority - Competitive estimates - Settlement procedures - Alternative dispute resolution - Execution of releases - Mediation - Appraisal - Arbitration - Negotiation - Coverage problems - Non-waiver agreements - Claims adjustment procedures - Reservation of rights letters - Releases - Subrogation procedures - Advance payments | |
| Topic 4: Insurance Principles and Concepts | - Insurance contracts - Waiver and estoppel - Warranties - Insurable interest - Physical hazards - Insurance principles and concepts - Morale hazards - Hazards - Concealment - Moral hazards - Representations and misrepresentations - Fraud | |
| Topic 5: Other Property and Liability Coverages | - Commercial automobile - Personal automobile - Excess liability - Inland marine - Aviation insurance - Crime insurance - Surety and fidelity bonds - Ocean marine - Flood insurance - Workers compensation | |
| Topic 6: New York Unfair Claim Settlement and Prohibited Practices | - Consumer privacy requirements - New York cybersecurity regulation - New York claim settlement laws and regulations - Terrorism Risk Insurance Act - Unfair claim settlement practices - Insurance fraud and false statements | |
| Topic 7: Insurance Regulation | - Qualifications - Fingerprinting - Licensing requirements - Licensing process - License maintenance and duration - Temporary adjuster permits - Bond requirements - License renewal | |
| Topic 8: Commercial Property | - Commercial Package Policy - Businessowners Policy - Commercial property coverage - Commercial property forms and endorsements - Commercial General Liability |
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NEW QUESTION # 74
A producer is REQUIRED to report to the Commissioner any criminal prosecution taken in any jurisdiction against him within how many days of the initial pre-trial hearing date?
Answer: D
Explanation:
The correct answer is B - 30 days. New York Insurance Law §2110(j) requires a licensee subject to Article
21 to report any criminal prosecution taken against the licensee in any jurisdiction within 30 days of the initial pretrial hearing date. The report must include the initial complaint, the resulting order, and other relevant legal documents.
New York DFS enforcement actions continue to apply this requirement directly. DFS has disciplined licensees, including independent adjusters, for failing to notify the Department within the required 30-day period following the initial pretrial hearing date.
There is one terminology point to correct for New York examination purposes: the statute requires notification to the Superintendent of Financial Services, not a "Commissioner." The 30-day answer, however, remains unchanged.
Do not confuse criminal-prosecution reporting with the separate requirement under §2110(i) for administrative actions. Administrative actions taken in another jurisdiction or by another governmental agency must generally be reported within 30 days of the final disposition of that matter.
Series 17-70 reference topics: Insurance Regulation - Licensing, Maintenance of License, Disciplinary Actions, Reporting Requirements, and New York Insurance Law §2110.
NEW QUESTION # 75
Which of the following two perils are excluded under the dwelling broad form if a building is vacant for more than 30 consecutive days?
Answer: D
Explanation:
The intended answer is B. Under the dwelling broad form, the two named-peril provisions carrying the vacancy limitation tested by this item are Damage by Burglars and Accidental Discharge or Overflow of Water or Steam. Older DP 00 02 language provided that damage by burglars was not covered when the dwelling had been vacant for more than 30 consecutive days, and the accidental-discharge peril contained the same 30-day vacancy restriction.
Falling Objects and Weight of Ice, Snow, or Sleet have their own coverage limitations, but the specific vacancy restriction presented here does not apply to those perils. Freezing is controlled by separate requirements concerning reasonable care to maintain heat or shut off the water supply and drain the systems.
For Series 17-70 accuracy, there is an important edition distinction: the official New York outline identifies the Dwelling (2014) Policy, and ISO DP 00 02 07 14 changed the comparable vacancy period to 60 consecutive days, not 30. The same two relevant perils remain Damage by Burglars and Accidental Discharge
/Overflow of Water or Steam.
Thus, B is the intended answer, while the video's "30 consecutive days" language reflects the older dwelling- form edition.
NEW QUESTION # 76
Steve was involved in an automobile accident. He does NOT agree with the settlement offer by the insurer. Which common policy provision allows Steve to dispute the settlement offer?
Answer: C
Explanation:
The correct answer is D - Arbitration. Arbitration is a dispute-resolution mechanism in which a disagreement is submitted to a neutral arbitrator or arbitration panel rather than being resolved solely through continued negotiations between the parties. Depending on the insurance coverage and policy provision involved, arbitration may be used to resolve specified disputes concerning entitlement to recovery, damages, or other issues identified in the contract or applicable law.
The question states that Steve rejects the insurer's settlement offer and asks which common policy provision provides a mechanism for disputing the settlement. Of the available choices, arbitration is the only recognized dispute-resolution provision.
A preferred settlement is not a standard policy dispute mechanism. A competitive bid is an estimating or procurement technique and does not determine contractual disputes between an insured and insurer. A market value clause concerns valuation methodology and does not itself create a formal procedure for resolving a contested settlement.
An adjuster must also distinguish arbitration from appraisal. Appraisal is commonly designed to resolve disputes solely over the amount of property loss, whereas arbitration can address disputes according to the scope established by the applicable contract or statute.
Series 17-70 reference topics: Auto Insurance - Claim Settlement, Arbitration, Appraisal, Loss Valuation, and Dispute Resolution.
NEW QUESTION # 77
A policy covering all causes of loss to an aircraft is known as
Answer: B
Explanation:
The correct examination answer is A - Comprehensive. Aircraft physical-damage insurance is commonly referred to as aircraft hull insurance. When written on the broadest physical-damage basis, it is generally described as all-risk hull or comprehensive hull coverage and protects against direct physical loss of or damage to the insured aircraft from covered causes except those specifically excluded.
Modern aviation insurers expressly describe aircraft hull protection as Hull All Risks, covering physical loss or damage to an aircraft while on the ground and in flight. Comprehensive aircraft coverage can address events such as accidental collision, ground damage, storms, hail, theft, vandalism, and other fortuitous causes, subject to exclusions, deductibles, pilot requirements, use restrictions, and policy territory.
Option B, Named Perils, is narrower because coverage exists only for causes specifically listed. Option C,
"All Inclusive," is not the standard aviation insurance classification used for this form of hull protection.
Option D, Liability, protects the insured against legal responsibility for injury or damage to others; it does not principally insure physical loss to the aircraft itself.
The Series 17-70 syllabus includes Aircraft Hull and Aircraft Liability coverages, requiring candidates to distinguish first-party aircraft damage from third-party liability.
Therefore, A is correct.
NEW QUESTION # 78
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 # 79
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