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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Accident and Health Insurance Basics | 6% | - Accident and Health Claims
|
| Topic 2: Homeowners Policy | 10% | - Perils, Exclusions and Conditions
|
| Topic 3: Adjusting Losses | 11% | - Claim Investigation
|
| Topic 4: Personal Inland Marine | 13% | - Personal Property Floater
|
| Topic 5: Dwelling Policy | 6% | - Exclusions, Conditions and Endorsements
|
| Topic 6: Insurance Basics | 6% | - Policy Structure
|
| Topic 7: Medical Reports and Terminology | 4% | - Basic Human Anatomy
|
| Topic 8: Commercial Package Policy | 38% | - Commercial Policy Components
|
| Topic 9: Insurance Regulation | 6% | - Disciplinary Actions
|
>> NY-Independent-General-Adjuster最新対策問題 <<
NY-Independent-General-Adjuster試験問題により、3つのバージョン、PDFバージョン、PCバージョン、APPオンラインバージョンが強化されます。学習するNY-Independent-General-Adjuster学習ガイドの最適なバージョンを選択できます。 NY-Independent-General-Adjusterトレーニング準備の各バージョンは、さまざまな特性とさまざまな使用方法を後押しします。たとえば、NY-Independent-General-AdjusterガイドトレントのAPPオンラインバージョンは、Webブラウザに基づいて使用および設計されており、ブラウザを備えたあらゆる機器で使用できます。試験シミュレーション、時間制限試験、および間違いの修正の機能を強化します。
質問 # 78
Under a Businessowners Policy, Inside the Premises - Robbery or Safe Burglary of Money and Securities, this coverage applies to robbery of
正解：A
解説：
The correct answer is C - a custodian that takes place within the premises. Crime coverage titled Inside the Premises - Robbery of a Custodian or Safe Burglary of Money and Securities is specifically structured to protect money and securities against robbery of a custodian while inside the insured premises, as well as qualifying safe or vault burglary.
Current ISO commercial-crime analysis states that coverage applies to loss of money and securities resulting from the robbery of a custodian inside the insured premises or from safe or vault burglary or attempted burglary. A custodian generally includes the named insured, partners, members, or employees having care and custody of the insured property, subject to the form's definition.
Options A and B are incorrect because they place the robbery off premises. Off-premises losses are addressed by different crime insuring agreements, such as Outside the Premises coverage. Option D is incorrect because the critical insured person for this particular robbery provision is a custodian, not simply any customer or client present at the business.
The adjuster must distinguish theft, robbery, burglary, safe burglary, and employee dishonesty because each has a particular contractual meaning and may trigger different coverage.
Therefore, the event specifically contemplated by this coverage is robbery of a custodian inside the premises, making C correct.
質問 # 79
A travel accident policy and a dread-disease contract are examples of
正解：A
解説：
The correct answer is D - limited health insurance policies. Limited health insurance is designed to provide benefits for a narrowly defined event, disease, service, or category of loss rather than the broad spectrum of expenses normally addressed by comprehensive medical coverage.
A travel accident policy provides narrowly focused accident protection associated with travel or specified transportation exposures. Similarly, a specified or dread-disease policy pays benefits only when the insured experiences a specifically designated condition, such as cancer or another condition listed in the contract.
Because their benefit triggers and covered losses are intentionally restricted, both fit the limited-policy classification.
The Series 17-70 examination outline makes this distinction directly. It includes Limited versus comprehensive coverage, "Limited policies," "limited benefits and amounts," and specifically identifies Accident-only and Specified (dread) disease policies among the tested forms.
Options A and B describe methods of organizing insured persons rather than the limited nature of the coverage. Option C, "personal health policies," is too broad and does not identify the essential characteristic being tested.
An adjuster must recognize that a limited policy does not provide general medical insurance merely because an insured experiences medical expenses. Benefits are payable only when the loss falls within the policy's narrowly stated coverage trigger.
Therefore, D is correct.
質問 # 80
Fair rental value is found under which coverage part of a dwelling policy?
正解：D
解説：
The correct answer is C - Coverage D. Under the standard Dwelling Property Policy, Coverage D - Fair Rental Value protects the insured against qualifying loss of rental income when covered damage makes property rented or held for rental unfit for its normal use.
Fair Rental Value represents the fair rental amount of the affected portion of the described location, reduced by expenses that do not continue while the property is uninhabitable. Payment generally continues for the shortest reasonable period required to repair or replace the damaged property. Standard dwelling-policy analysis expressly identifies Fair Rental Value as Coverage D.
Coverage B concerns Other Structures, while Coverage C covers Personal Property. Coverage E is Additional Living Expense, which principally protects an owner-occupant when a covered loss causes necessary increases in living expenses. Fair Rental Value and Additional Living Expense are related time-element protections but serve different financial interests.
For adjusters, this distinction is important because a landlord's lost rental income must be evaluated separately from physical building damage. The adjuster must determine rental value, expenses that ceased, the covered cause of loss, and the reasonable restoration period.
Therefore, Fair Rental Value is found under Coverage D, making option C correct.
質問 # 81
Which of the following is an exclusion on the Businessowners Policy (BOP) under the liability section?
正解：D
解説：
The correct answer is A - Liquor liability. The Businessowners liability section includes a Liquor Liability exclusion addressing bodily injury or property damage for which an insured may be held liable because of causing or contributing to intoxication, furnishing alcoholic beverages to underage or intoxicated persons, or violating laws concerning the sale, gift, distribution, or use of alcoholic beverages.
Under the standard BOP formulation, the exclusion principally applies when the named insured is engaged in the business of manufacturing, distributing, selling, serving, or furnishing alcoholic beverages. Thus, it should not be interpreted as eliminating every alcohol-related incident for every BOP insured. Host-liquor situations may remain covered when the insured is not engaged in the liquor business, subject to the actual form.
Options B, C, and D identify important liability exposures ordinarily included within the BOP's liability framework. Products and completed operations liability is part of the business liability protection, while personal and advertising injury is a separate liability coverage component subject to its own exclusions.
The Series 17-70 examination outline expressly requires knowledge of the Businessowners Liability Coverage Form-Coverages and Exclusions. It also separately identifies Liquor Liability as a specialty liability subject.
Therefore, among the listed choices, Liquor Liability is the correct exclusion.
質問 # 82
What is the purpose of the Insurance Frauds Prevention Act?
正解：D
解説：
The correct answer is C. New York Insurance Law Article 4 is expressly titled the Insurance Frauds Prevention Act. Its legislative findings recognize that insurance transactions-including organization and licensing, issuance of policies, and the adjustment and payment of claims and losses-have potential for abuse and illegal activity. The statutory framework is intended to prevent, detect, investigate, and penalize fraudulent insurance conduct.
Therefore, option C most accurately expresses the purpose among the available choices: protecting the insurance system and consumers from illegal and fraudulent conduct associated with policy and claim transactions.
Option A concerns underwriting standards and risk selection rather than insurance-fraud prevention. Option B concerns insurance advertising regulation, which is governed through separate statutes and regulations.
Option D concerns insurer financial reporting and solvency regulation, not the core purpose of Article 4.
New York DFS emphasizes that insurance fraud affects consumers through higher premiums and costs and encourages detection and reporting of suspected fraudulent activity. Article 4 also requires reporting of suspected fraudulent insurance transactions and authorizes investigation and enforcement.
Accordingly, C is the correct examination answer.
質問 # 83
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