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| Section | Weight | Objectives |
|---|---|---|
| Other Property and Liability Coverages | - Excess liability - Workers compensation - Commercial automobile - Personal automobile - Aviation insurance - Crime insurance - Surety and fidelity bonds - Ocean marine - Inland marine - Flood insurance | |
| New York Unfair Claim Settlement and Prohibited Practices | - Unfair claim settlement practices - Insurance fraud and false statements - Consumer privacy requirements - Terrorism Risk Insurance Act - New York claim settlement laws and regulations - New York cybersecurity regulation | |
| Dwelling and Homeowners Insurance | - New York specific endorsements - Homeowners liability coverage - Homeowners property coverage - Standard Fire Policy - Personal umbrella policies - Dwelling policies - Personal liability supplement | |
| Claims Adjustment Procedures | - Releases - Reservation of rights letters - Non-waiver agreements - Execution of releases - Coverage problems - Draft authority - Advance payments - Alternative dispute resolution - Appraisal - Competitive estimates - Negotiation - Subrogation procedures - Claims adjustment procedures - Arbitration - Mediation - Settlement procedures | |
| Commercial Package Policy | 38% | - Common policy declarations - Components of a commercial policy - Monoline versus package policies - First named insured - Common policy conditions |
| Insurance Principles and Concepts | - Morale hazards - Waiver and estoppel - Physical hazards - Hazards - Representations and misrepresentations - Warranties - Moral hazards - Fraud - Insurable interest - Concealment - Insurance contracts - Insurance principles and concepts | |
| Commercial Property | - Commercial General Liability - Commercial property coverage - Commercial property forms and endorsements - Commercial Package Policy - Businessowners Policy | |
| Insurance Regulation | - Bond requirements - Licensing process - License maintenance and duration - Licensing requirements - Qualifications - License renewal - Temporary adjuster permits - Fingerprinting |
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NEW QUESTION # 46
Under a Homeowners policy, which of the following is an insured location?
Answer: D
NEW QUESTION # 47
Under a Businessowners Policy, Inside the Premises - Robbery or Safe Burglary of Money and Securities, this coverage applies to robbery of
Answer: B
Explanation:
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.
NEW QUESTION # 48
Under an HO-3 Policy, Coverage F - Medical Payments to Others applies to all of the following EXCEPT
Answer: C
Explanation:
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.
NEW QUESTION # 49
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 # 50
Broad theft coverage may ONLY be endorsed on a Dwelling Policy if the
Answer: A
Explanation:
The correct answer is C - the insured is the owner-occupant. The Broad Theft Coverage endorsement is designed to add theft protection to a Dwelling Policy for an eligible residence occupied by the named insured.
Broad theft coverage is distinguished from limited theft coverage primarily by its eligibility and its ability to provide both on-premises and qualifying off-premises theft coverage.
For a dwelling, condominium, or cooperative unit, broad theft coverage requires the residence to be owner occupied. Where the dwelling is non-owner occupied, a limited theft form is generally the appropriate theft endorsement.
Option A is therefore insufficient because being a landlord does not make the insured eligible for the broad theft endorsement when tenants occupy the insured dwelling. Vacancy, option B, is not an eligibility requirement and may instead trigger important restrictions in theft coverage. Option D also fails because ownership of personal property by a landlord does not substitute for the occupancy requirement.
New York's official Series 17-70 outline expressly identifies the Broad Theft Endorsement (DP 04 83) as a tested Dwelling Policy endorsement. New York DFS's prelicensing topic locator likewise identifies DP 04 83 as required dwelling-policy subject matter.
Therefore, owner-occupancy makes C correct.
NEW QUESTION # 51
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