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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Commercial Property | - Commercial Package Policy - Businessowners Policy - Commercial General Liability - Commercial property forms and endorsements - Commercial property coverage | |
| Topic 2: Dwelling and Homeowners Insurance | - Homeowners liability coverage - Homeowners property coverage - Personal liability supplement - Personal umbrella policies - Standard Fire Policy - Dwelling policies - New York specific endorsements | |
| Topic 3: Insurance Principles and Concepts | - Hazards - Waiver and estoppel - Insurance principles and concepts - Concealment - Fraud - Moral hazards - Warranties - Insurance contracts - Insurable interest - Representations and misrepresentations - Physical hazards - Morale hazards | |
| Topic 4: New York Unfair Claim Settlement and Prohibited Practices | - New York cybersecurity regulation - Insurance fraud and false statements - Unfair claim settlement practices - New York claim settlement laws and regulations - Consumer privacy requirements - Terrorism Risk Insurance Act | |
| Topic 5: Claims Adjustment Procedures | - Advance payments - Alternative dispute resolution - Execution of releases - Mediation - Releases - Settlement procedures - Draft authority - Negotiation - Subrogation procedures - Non-waiver agreements - Competitive estimates - Reservation of rights letters - Arbitration - Appraisal - Claims adjustment procedures - Coverage problems | |
| Topic 6: Other Property and Liability Coverages | - Aviation insurance - Workers compensation - Personal automobile - Surety and fidelity bonds - Commercial automobile - Ocean marine - Flood insurance - Excess liability - Inland marine - Crime insurance | |
| Topic 7: Insurance Regulation | - Licensing process - License renewal - License maintenance and duration - Bond requirements - Qualifications - Fingerprinting - Temporary adjuster permits - Licensing requirements | |
| Topic 8: Commercial Package Policy | 38% | - Common policy declarations - Monoline versus package policies - First named insured - Components of a commercial policy - Common policy conditions |
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NEW QUESTION # 53
Long-term care policies cover expenses for care when the insured CANNOT perform all of the following activities of daily living EXCEPT
Answer: D
Explanation:
The correct answer is B - Shopping. Long-term care insurance commonly uses the insured's inability to perform specified Activities of Daily Living (ADLs) as a benefit eligibility trigger. New York DFS identifies the principal ADLs as dressing, eating, bathing, toileting, continence, and transferring. Most long-term care policies require inability to perform a specified number of these activities without substantial assistance before benefits become payable, subject to the contract's precise benefit trigger.
Bathing, option A, is a recognized ADL. Toileting, option C, is also a recognized ADL. Transferring, option D, refers generally to the ability to move into or out of a bed, chair, or similar position and is another standard ADL.
Shopping, by contrast, is generally classified as an Instrumental Activity of Daily Living (IADL). IADLs involve more complex activities necessary for independent community living, such as shopping, housekeeping, transportation, managing finances, meal preparation, and telephone use. New York health guidance similarly distinguishes shopping as an instrumental activity rather than a basic ADL.
Therefore, shopping is the activity that does not belong to the standard basic ADL group.
Series 17-70 reference topics: Other Coverages - Long-Term Care Insurance, Benefit Triggers, Activities of Daily Living, and Eligibility for Benefits.
NEW QUESTION # 54
The Commercial Inland Marine Conditions Form, when attached to the Commercial Inland Marine Coverage Section, provides which of the following?
Answer: D
Explanation:
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.
NEW QUESTION # 55
Under Other States Workers' Compensation Insurance, coverage ONLY applies if the states are listed on the
Answer: C
Explanation:
The correct answer is D - declarations page. More precisely, the standard Workers Compensation and Employers Liability Policy refers to the Information Page, which performs the declarations-page function for this policy.
Under Part Three - Other States Insurance, the employer may receive workers compensation and employers liability protection in qualifying states not listed under the primary-state portion of the policy. The New York Compensation Insurance Rating Board expressly provides that states where Other States coverage is to apply must be listed in Item 3.C. of the Information Page.
Because "Information Page" is not offered among the four answer choices, declarations page is the intended and technically equivalent examination response.
Option A is incorrect because merely mentioning a state in an application does not activate contractual coverage. Option B contains the insurer's broad promise but does not identify the states selected for Other States protection. Option C is not the standard policy mechanism used for this purpose.
The Series 17-70 outline expressly includes Part Three - Other States Insurance, along with Parts One through Six of the standard Workers Compensation and Employers Liability policy.
Therefore, D is correct.
NEW QUESTION # 56
What may the insurer issue if the insured did NOT report a claim on time?
Answer: B
Explanation:
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.
NEW QUESTION # 57
An individual is injured while loading a vessel on U.S. navigable waters. Under which Act would they be covered?
Answer: B
Explanation:
The correct answer is D - U.S. Longshore and Harbor Workers' Compensation Act (LHWCA). The LHWCA is a federal workers compensation statute covering qualifying maritime employees who suffer employment-related injuries on the navigable waters of the United States or in adjoining areas customarily used for loading, unloading, repairing, dismantling, or building vessels. The statute expressly includes longshore workers and other persons engaged in longshoring operations.
The employee in this question is injured while loading a vessel, which is a classic longshoring function.
Assuming the applicable status and situs requirements are satisfied, LHWCA protection is therefore the appropriate federal coverage.
The Jones Act principally provides remedies for masters and members of a vessel's crew-seamen rather than ordinary land-based longshore workers. FELA applies primarily to qualifying railroad employees engaged in interstate commerce. "U.S. Coast Guard Act" is not the applicable workers compensation statute among these choices.
The official Series 17-70 content outline specifically lists Federal Employers Liability Act, U.S. Longshore and Harbor Workers' Compensation Act, and the Jones Act as separate federal compensation laws that candidates must distinguish.
Because this employee is performing vessel-loading work on navigable waters, D is correct.
NEW QUESTION # 58
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