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| Section | Weight | Objectives |
|---|---|---|
| Ethics & Professional Responsibility | 15% | - Fiduciary duty, conflict of interest, and confidentiality - Fraud detection and reporting obligations - Fair claims handling standards and professional conduct |
| Insurance Fundamentals & General Principles | 15% | - Insurance contract elements and legal structure - Indemnity, subrogation, utmost good faith - Risk management and insurable interest |
| New York Insurance Law & Regulations | 25% | - State-specific policy provisions and mandatory endorsements - NY Insurance Law Articles and DFS regulations - Unfair Claims Settlement Practices Act / Regulation 64 - Licensing requirements, eligibility, and examination rules |
| Property & Casualty Coverages | 25% | - Specialty lines — Inland Marine, Flood, Workers' Compensation, Crime - Commercial Property and Businessowners policies - Automobile coverages — Personal and Commercial - Dwelling and Homeowners policies - General Liability and Commercial General Liability |
| Claims Investigation & Adjusting Procedures | 20% | - Loss valuation, damage assessment, and estimating - Settlement negotiation, reservation of rights, and denial procedures - Evidence gathering, coverage analysis, and policy interpretation - Claim intake, notice of loss, and initial investigation |
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94. Frage
Under an HO-3 Policy, Coverage F - Medical Payments to Others applies to all of the following EXCEPT
Antwort: A
Begründung:
The correct answer is C. Coverage F - Medical Payments to Others provides limited no-fault medical- expense protection for qualifying bodily injury to persons other than an insured. Coverage commonly applies to persons injured on an insured location with permission, and in specified situations involving the insured's activities, residence employees, or animals.
A special rule applies to a residence employee. Medical Payments may cover a residence employee away from the insured location when the injury arises out of or in the course of the employee's work for the insured.
However, standard HO-3 analysis excludes a residence employee's injury occurring away from the insured location when the injury is unrelated to that employment.
The nanny in option C is engaged in personal shopping, not performing duties for the insured. The necessary employment connection therefore does not exist.
The meter reader in A is injured on the insured premises, the mail carrier in B has an injury arising from the insured's dog, and the invited family friend in D is injured while on the insured location. Those scenarios fall within the general scope of Coverage F, subject to normal policy conditions and exclusions.
The Series 17-70 outline tests Homeowners Coverage F - Medical Payments to Others, definitions, exclusions, and Section II conditions.
Therefore, C is correct.
95. 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.
96. Frage
A policy covering all causes of loss to an aircraft is known as
Antwort: D
Begründung:
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.
97. Frage
Leah provides transportation for her client to their business lunch. Leah's client closes the car door on her own hand. What type of coverage applies?
Antwort: C
Begründung:
The correct answer is C - Medical payments. Automobile Medical Payments coverage is designed to pay qualifying medical and funeral expenses for the insured and passengers injured in an accident involving the covered automobile, without regard to fault, up to the stated policy limit. New York DFS expressly describes Medical Payments Coverage in these terms.
The client closes the vehicle door on her own hand. No fact establishes negligence by Leah, so liability coverage is not the best answer. Liability coverage ordinarily responds when an insured becomes legally responsible for bodily injury or property damage to another person. Here, the passenger's own action caused the injury.
Physical Damage coverage is also incorrect because it protects against damage to the automobile itself, not bodily injury sustained by a passenger. Health insurance may ultimately address certain medical expenses depending on coordination-of-benefits rules, but it is not the automobile coverage specifically designed for this scenario.
In New York, mandatory No-Fault/PIP may also be relevant to injuries arising from the use or operation of a motor vehicle and is generally primary to health insurance. However, PIP is not one of the options. Among the listed answers, Medical Payments is the intended coverage classification.
Therefore, C is correct.
98. Frage
Applicants for a New York public adjuster's license MUST file a bond on the condition that the applicant will faithfully perform the adjuster's duties under the license. The penal sum of the bond REQUIRED is
Antwort: D
Begründung:
The verified answer is C - $1,000. New York Insurance Law §2108(l)(1) states that no adjuster's license or renewal license-other than an independent adjuster's license-may be issued unless a bond is filed with the Superintendent of Financial Services. The statute sets the required penal sum at $1,000, conditioned upon the faithful performance of the licensee's duties.
Because the question specifically concerns a public adjuster, the bond requirement applies. Public adjusters represent insureds in negotiating or effecting insurance claim settlements and are subject to distinct licensing and regulatory requirements.
The statutory wording is especially important because current New York law expressly excludes independent adjusters from this bond requirement. That distinction matters for Series 17-70 candidates, since Series 17-70 itself is the Independent General Adjuster examination, but this particular question asks about a public adjuster.
The answer shown as $10,000 in some older or secondary practice materials is not consistent with the current New York statutory requirement. The controlling figure under §2108(l) is $1,000.
Accordingly, for current New York law, the correct answer is unequivocally C - $1,000.
99. Frage
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