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| Section | Weight | Objectives |
|---|---|---|
| Adjusting Losses | 11% | - Role of the Adjuster
|
| Medical Reports and Terminology | 4% | - Injuries, Diseases and Medical Tests
|
| Insurance Regulation | 6% | - Claim Settlement Regulations
|
| Homeowners Policy | 10% | - Perils, Exclusions and Conditions
|
| Commercial Package Policy | 38% | - Commercial Policy Components
|
| Insurance Basics | 6% | - Policy Structure
|
| Dwelling Policy | 6% | - Coverage Forms and Perils
|
| Personal Inland Marine | 13% | - Personal Articles Floater
|
| Accident and Health Insurance Basics | 6% | - Accident and Health Claims
|
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NEW QUESTION # 14
Under a Crop-Hail insurance policy, which of the following is true?
Answer: D
Explanation:
The correct answer is C - it covers only damage to the insured crop. Crop-Hail insurance is a specialized form of property insurance written on specifically identified growing crops. Standard crop-hail terminology defines an insured crop as a crop described in the Schedule of Insurance for which a specific amount of insurance and premium has been established. Loss adjustment therefore focuses on direct damage to the scheduled crop resulting from insured causes of loss.
Option D is incorrect because Crop-Hail is not automatically an all-weather policy. Hail is the fundamental peril, and policies commonly include or permit additional named perils such as fire or lightning. Wind protection frequently requires a separate endorsement, and frost is not universally included. Current agricultural insurance products specifically describe wind as an additional endorsement to underlying Crop- Hail coverage.
Option A is too broad because coverage does not necessarily attach simply when seed is placed in the ground; the effective date, crop condition, and applicable policy provisions govern attachment. Option B is not a universal defining rule of Crop-Hail coverage.
Crop-Hail should also be distinguished from federally supported Multiple Peril Crop Insurance, which addresses a much broader range of production risks.
Therefore, C is correct.
NEW QUESTION # 15
An insured that is covered on a business automobile policy would like to get physical damage coverage for a forklift used at their facility. Which endorsement can be used to insure this covered automobile?
Answer: C
Explanation:
The correct answer is B - Mobile equipment endorsement. A forklift is ordinarily classified as mobile equipment, rather than an "auto," because it is principally designed for use off public roads or for operations at a premises. Consequently, it does not automatically fall within the standard Business Auto Coverage Form's normal treatment of covered autos.
A Mobile Equipment endorsement permits specifically described mobile equipment to be treated as a covered auto for the coverages scheduled in the endorsement. Depending on the form and selections, this can extend Physical Damage coverage to the equipment. Forklifts are specifically recognized as classic examples of mobile equipment.
The Miscellaneous Type Vehicle endorsement is primarily associated with personal auto treatment of specialized vehicles and is not the appropriate commercial solution here. The Truckers Coverage Form addresses motor-carrier/trucking exposures. The Drive Other Car endorsement extends specified commercial- auto protections to certain individuals when they use nonowned autos and has nothing to do with insuring a business-owned forklift.
The Series 17-70 outline directly tests Commercial Auto, Business Auto, Physical Damage Coverage, Definitions, and the Mobile Equipment endorsement. The New York examination outline identifies mobile equipment specifically among the selected commercial-auto endorsements.
Thus, B is the technically correct selection.
NEW QUESTION # 16
Long-term care policies cover expenses for care when the insured CANNOT perform all of the following activities of daily living EXCEPT
Answer: A
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 # 17
A commercial umbrella policy provides coverage in which of the following situations?
Answer: B
Explanation:
The correct answer is D. A commercial umbrella policy provides an additional layer of liability insurance above specified underlying policies, such as Commercial General Liability, Business Auto Liability, or Employers Liability. For a loss covered by both the underlying policy and umbrella, the umbrella generally begins responding after the applicable underlying limits have been exhausted by covered loss, subject to the umbrella's terms, limits, exclusions, and attachment requirements.
Travelers describes umbrella coverage as providing additional limits for types of losses covered by primary policies, while excess liability functions as another layer over primary protection. The Series 17-70 outline specifically tests commercial umbrella coverage, underlying limits, excess coverage, stand-alone coverage, and follow-form concepts.
Option A is incorrect because an umbrella ordinarily does not automatically drop down merely because an underlying insurer becomes insolvent; insolvency treatment depends on the umbrella's exact wording. Option B refers to a personal-auto exposure rather than the commercial liability structure asked about. Option C is incorrect because a loss still within the retained underlying limit is principally the responsibility of the underlying insurer or insured retention.
Thus, once the required underlying policy limits have been exhausted by covered claims, the umbrella layer can attach.
Therefore, D is correct.
NEW QUESTION # 18
A type of insurance that protects an individual who fails to meet the standards of skill and care generally accepted for her occupation is
Answer: B
Explanation:
The correct answer is A - professional liability. Professional liability insurance, frequently called Errors and Omissions (E & O) coverage, addresses liability resulting from negligence, errors, omissions, or failure to provide the level of skill or professional service reasonably expected within a particular profession.
The Insurance Information Institute explains that professionals are expected to possess specialized knowledge or training and perform according to the standards of conduct applicable to their profession. When a professional fails to exercise the required degree of skill and a client suffers harm, professional liability insurance is designed to address that exposure, subject to policy terms.
Workers Compensation protects employees for qualifying employment-related injury or occupational disease; it does not insure a professional against claims alleging negligent professional services. Fiduciary liability is narrower and addresses breaches of fiduciary responsibility, particularly in connection with employee benefit plans or entrusted assets. Personal liability generally addresses nonbusiness personal activities rather than professional malpractice.
Professional liability forms are often tailored to the occupation involved. For doctors, the coverage is commonly called medical malpractice; for lawyers, accountants, consultants, architects, insurance professionals, and similar occupations, professional liability or E & O terminology is common.
The Series 17-70 curriculum requires the adjuster to distinguish specialized liability exposures as well as negligence and standards of legal responsibility.
Therefore, A is correct.
NEW QUESTION # 19
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