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Insurance Licensing NY-Independent-General-Adjuster Exam Syllabus Topics:

Section	Weight	Objectives
Insurance Regulation	6%	- Claim Settlement Regulations 1. Consumer Privacy 2. Unfair Claim Practices - Disciplinary Actions 1. Suspension and Revocation 2. Penalties and Cease and Desist Orders - License Maintenance 1. Assumed Names and Reporting 2. Renewal and Changes - Licensing Requirements 1. Qualifications and Application 2. Bond and Fingerprinting
Insurance Basics	6%	- Insurance Contracts 1. Elements and Characteristics 2. Representations, Warranties and Concealment - Policy Structure 1. Limits, Deductibles and Other Insurance 2. Subrogation, Salvage and Loss Settlement 3. Declarations, Conditions and Exclusions - Insurance Principles 1. Causes and Valuation of Loss 2. Hazards, Negligence and Liability 3. Insurable Interest and Indemnity
Adjusting Losses	11%	- Role of the Adjuster 1. Duties and Responsibilities 2. Independent, Staff and Public Adjusters - Claim Settlement 1. Negotiation and Releases 2. Subrogation, Appraisal and Arbitration - Claim Investigation 1. Evidence and Witness Statements 2. Claim Reporting and Documentation - Property and Liability Losses 1. Estimates, Depreciation and Salvage 2. Coverage Verification and Loss Evaluation
Homeowners Policy	10%	- Coverage Forms 1. HO-2 through HO-6 2. HO-8 - Liability Coverages 1. Personal Liability 2. Medical Payments to Others - Property Coverages 1. Dwelling, Other Structures and Personal Property 2. Loss of Use and Additional Coverages - Perils, Exclusions and Conditions 1. Exclusions and Conditions 2. Perils Insured Against - Selected Endorsements 1. New York Special Provisions 2. Earthquake, Identity Fraud and Home Business
Commercial Package Policy	38%	- Transportation Coverages 1. Transit Coverage 2. Motor Truck Cargo 3. Common Carrier Legal Liability - Commercial Policy Components 1. Common Policy Declarations 2. Common Policy Conditions - Commercial Inland Marine 1. Marine Definition and Conditions 2. Jewelers Block, Signs and Electronic Data Processing 3. Contractors Equipment and Installation Floaters 4. Accounts Receivable and Valuable Papers
Medical Reports and Terminology	4%	- Injuries, Diseases and Medical Tests 1. Diagnostic Tests 2. Common Injuries and Diseases - Medical Terminology 1. Medical Specialties 2. Prefixes, Suffixes and Abbreviations - Basic Human Anatomy 1. Skeletal, Nervous and Respiratory Systems 2. Cardiovascular and Abdominal Systems
Personal Inland Marine	13%	- Personal Property Floater 1. Coverage and Eligible Property - Personal Effects Floater 1. Coverage and Loss Settlement - Personal Articles Floater 1. Scheduled Personal Property
Accident and Health Insurance Basics	6%	- Limited Policies 1. Hospital, Dental and Vision Coverage 2. Accident-Only and Specified Disease - Accident and Health Claims 1. Investigation and Payment of Claims 2. Notice and Proof of Loss - Types of Coverage 1. Disability, Medical and Long-Term Care 2. Accidental Injury and Sickness
Dwelling Policy	6%	- Coverage Forms and Perils 1. Covered Perils 2. Basic, Broad and Special Forms - Exclusions, Conditions and Endorsements 1. New York and Selected Endorsements 2. General Exclusions and Conditions - Property Coverages 1. Personal Property and Loss of Use 2. Dwelling and Other Structures

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q88-Q93):

NEW QUESTION # 88
The self-insured portion of an insurance claim is called a

A. liability.
B. deductible.
C. coinsurance.
D. principal.

Answer: B

Explanation:
The correct answer is D. A deductible is the portion of an otherwise covered loss that the insured agrees to retain before the insurer becomes responsible for the remaining covered amount. In practical risk-management terms, it represents a form of self-insurance or risk retention because the policyholder absorbs losses up to the deductible amount.
New York Department of Financial Services describes a deductible as the amount the insured agrees to be responsible for when a covered loss occurs. DFS also explains that a higher deductible generally means the insured retains a larger portion of the risk and may receive a lower premium in return.
For example, if covered property damage equals $10,000 and the applicable deductible is $1,000, the insured ordinarily bears $1,000 and the insurer pays $9,000, assuming no other policy limitation applies.
Coinsurance is different; it is an insurance-to-value or cost-sharing mechanism and is not simply the initial dollar amount retained by the insured. "Principal" describes a party or monetary concept in other contractual contexts, while "liability" means legal responsibility.
The Series 17-70 curriculum includes deductibles, loss valuation, policy conditions, and claim settlement concepts.
Therefore, D is correct.

NEW QUESTION # 89
Regarding insurance coverage for employment practices exposures, which one of the following statements is TRUE?

A. The commercial general liability policy covers employment practices liability as part of its basic professional liability coverage.
B. Employment practices liability insurance is purchased as an endorsement to the directors and officers policy, but cannot be purchased separately.
C. Employment practices liability policies cover suits by employees who are injured on the job.
D. Employment practices liability policies cover losses arising out of wrongful terminations, discrimination, and sexual harassment.

Answer: D

Explanation:
The correct answer is C. Employment Practices Liability Insurance (EPLI) is specifically designed to address claims arising from wrongful employment-related conduct. Core exposures include wrongful termination, workplace discrimination, sexual harassment, retaliation, and other specified employment practices. Current EPLI coverage descriptions expressly identify discrimination, harassment, and wrongful termination as principal covered allegations.
Option A is incorrect because EPLI may be written as a standalone policy or incorporated within broader management-liability programs. It is not restricted to being an endorsement to Directors and Officers insurance.
Option B is incorrect because the standard Commercial General Liability policy is not basic professional or employment-practices liability insurance. In fact, many employment-related practices exposures are specifically excluded or inadequately addressed under conventional CGL coverage.
Option D concerns occupational bodily injury. An employee physically injured in the course of employment would ordinarily look to Workers Compensation and Employers Liability, not EPLI. EPLI primarily addresses wrongful employment decisions and conduct rather than workplace accident injuries.
The adjuster must therefore distinguish an employment-practices wrongful act from an employment-related bodily injury. One is principally a management/professional liability exposure; the other is a Workers Compensation/employers liability exposure.
Therefore, C accurately describes the purpose of EPLI.

NEW QUESTION # 90
On a bail bond, a defendant is also known as

A. a surety.
B. a principal.
C. an obligor.
D. an indemnity.

Answer: B

Explanation:
The correct answer is C - principal. A surety arrangement involves distinct parties. The principal is the person whose obligation or performance is being guaranteed. In a bail bond transaction, the criminal defendant is the principal because the bond guarantees the defendant's compliance with the conditions of release, particularly appearance before the court when required.
The surety is the party guaranteeing the obligation and potentially becoming liable under the bond when its terms are breached. The obligee is the party in whose favor the obligation runs-typically the court or governmental authority in a bail context. An indemnitor is a person who agrees to reimburse the surety for losses arising from issuance of the bond. "Indemnity" itself refers to the reimbursement obligation or agreement, not the defendant's party designation.
The New York PSI licensing outline identifies the parties to a surety bond as principal, indemnitor for principal, obligee, and surety. It also specifically uses the phrase "Surrender of principal (defendant)," directly confirming that the defendant is the principal in bail-bond terminology.
Understanding these roles is essential because each party has distinct contractual rights, duties, and financial responsibilities.
Therefore, the defendant on a bail bond is the principal, making C correct.

NEW QUESTION # 91
Hired and Non-owned Auto Liability Endorsement covers which of the following?

A. Employee using company van on duty and being involved in an auto accident.
B. Bodily Injury and Property Damage caused by an employee using his auto in the employer's business.
C. A customer borrows a company auto and has an accident.
D. Employee using a company van off duty and being involved in an auto accident.

Answer: B

Explanation:
The correct answer is A. The Hired Auto and Non-Owned Auto Liability endorsement extends a Businessowners Policy's liability protection to specified automobile exposures that otherwise fall within the BOP's auto exclusion.
A non-owned auto is generally an automobile the business does not own, lease, hire, rent, or borrow but that is used in connection with the business. An employee's personally owned automobile being used for company business is the classic example. New York BOP rating material describes Non-Owned Auto Liability as protection for automobiles not owned, borrowed, or hired by the insured, while court decisions applying the endorsement confirm coverage for bodily injury or property damage arising from use of qualifying non- owned autos in the business.
Technically, the endorsement principally protects the business's liability arising from that use; it should not be interpreted as automatically providing personal liability or physical-damage protection to the employee-owner of the vehicle.
Options B, C, and D involve a company-owned automobile. A business-owned van or auto normally requires appropriate commercial automobile insurance and does not become a hired or non-owned auto simply because an employee or customer is driving it.
The Series 17-70 outline specifically includes Businessowners coverage and associated liability concepts.
Therefore, A is correct.

NEW QUESTION # 92
The liability section of a businessowners policy (BOP) covers which of the following?

A. Medical payments for injured employee.
B. Bodily injury suffered in an automobile accident.
C. Customer injured on the business premises.
D. Roof damaged by a windstorm.

Answer: C

Explanation:
The correct answer is D - Customer injured on the business premises. The Businessowners Policy liability section protects an eligible business against covered legal liability for bodily injury, property damage, and personal and advertising injury arising from covered business operations. A customer who is injured on the insured premises represents a classic premises-liability exposure.
Option A concerns first-party property damage to the insured building. A roof damaged by a covered windstorm would therefore be analyzed under the BOP property section, not business liability coverage.
Option B is incorrect because bodily injury to an employee arising out of and in the course of employment is generally excluded from ordinary BOP business liability coverage and is instead addressed by Workers Compensation and Employers Liability insurance.
Option C is also incorrect in the ordinary BOP liability form because bodily injury arising from ownership, maintenance, or use of autos is subject to the policy's auto exclusion. Commercial auto exposures typically require separate Business Auto coverage or an applicable BOP endorsement for limited hired/nonowned auto liability.
The official Series 17-70 blueprint expressly tests the Businessowners liability coverage form, coverages, exclusions, who is an insured, limits, general conditions, and hired/nonowned auto endorsements.
Therefore, D is correct.

NEW QUESTION # 93
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