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

Section	Weight	Objectives
Topic 1: Homeowners Policy	10%	- Liability Coverages 1. Personal Liability 2. Medical Payments to Others - Selected Endorsements 1. Earthquake, Identity Fraud and Home Business 2. New York Special Provisions - Property Coverages 1. Loss of Use and Additional Coverages 2. Dwelling, Other Structures and Personal Property - Perils, Exclusions and Conditions 1. Exclusions and Conditions 2. Perils Insured Against - Coverage Forms 1. HO-2 through HO-6 2. HO-8
Topic 2: Adjusting Losses	11%	- Claim Investigation 1. Claim Reporting and Documentation 2. Evidence and Witness Statements - Property and Liability Losses 1. Coverage Verification and Loss Evaluation 2. Estimates, Depreciation and Salvage - 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
Topic 3: Dwelling Policy	6%	- Coverage Forms and Perils 1. Covered Perils 2. Basic, Broad and Special Forms - Property Coverages 1. Dwelling and Other Structures 2. Personal Property and Loss of Use - Exclusions, Conditions and Endorsements 1. General Exclusions and Conditions 2. New York and Selected Endorsements
Topic 4: Commercial Package Policy	38%	- Commercial Inland Marine 1. Marine Definition and Conditions 2. Contractors Equipment and Installation Floaters 3. Accounts Receivable and Valuable Papers 4. Jewelers Block, Signs and Electronic Data Processing - Commercial Policy Components 1. Common Policy Declarations 2. Common Policy Conditions - Transportation Coverages 1. Motor Truck Cargo 2. Common Carrier Legal Liability 3. Transit Coverage
Topic 5: Insurance Regulation	6%	- Disciplinary Actions 1. Suspension and Revocation 2. Penalties and Cease and Desist Orders - Claim Settlement Regulations 1. Unfair Claim Practices 2. Consumer Privacy - License Maintenance 1. Assumed Names and Reporting 2. Renewal and Changes - Licensing Requirements 1. Qualifications and Application 2. Bond and Fingerprinting
Topic 6: 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
Topic 7: Insurance Basics	6%	- Insurance Contracts 1. Representations, Warranties and Concealment 2. Elements and Characteristics - Policy Structure 1. Limits, Deductibles and Other Insurance 2. Declarations, Conditions and Exclusions 3. Subrogation, Salvage and Loss Settlement - Insurance Principles 1. Insurable Interest and Indemnity 2. Causes and Valuation of Loss 3. Hazards, Negligence and Liability
Topic 8: Accident and Health Insurance Basics	6%	- Types of Coverage 1. Disability, Medical and Long-Term Care 2. Accidental Injury and Sickness - Accident and Health Claims 1. Notice and Proof of Loss 2. Investigation and Payment of Claims - Limited Policies 1. Hospital, Dental and Vision Coverage 2. Accident-Only and Specified Disease
Topic 9: Medical Reports and Terminology	4%	- Medical Terminology 1. Medical Specialties 2. Prefixes, Suffixes and Abbreviations - Basic Human Anatomy 1. Cardiovascular and Abdominal Systems 2. Skeletal, Nervous and Respiratory Systems - Injuries, Diseases and Medical Tests 1. Diagnostic Tests 2. Common Injuries and Diseases

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q57-Q62):

NEW QUESTION # 57
Which of the following is an exclusion on the Businessowners Policy (BOP) under the liability section?

A. Personal injury liability.
B. Advertising injury liability.
C. Liquor liability.
D. Products liability.

Answer: C

Explanation:
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.

NEW QUESTION # 58
Which is NOT a type of bond?

A. Bid.
B. Court.
C. Obligee.
D. Performance.

Answer: C

Explanation:
The correct answer is A - Obligee. An obligee is not a type of surety bond; it is one of the three parties to a surety bond. The three parties are the principal, the obligee, and the surety. The principal is the party whose performance or obligation is guaranteed. The obligee is the party requiring and benefiting from the bond. The surety is the organization that guarantees the principal's obligation according to the bond terms.
By contrast, bid bonds and performance bonds are recognized types of contract surety bonds. A bid bond supports the bidder's commitment to enter the contract and furnish required security if awarded the job. A performance bond guarantees that the principal will perform the contractual obligations covered by the bond.
"Court bond" is commonly used as a broad description for bonds required in judicial proceedings. The official Series 17-70 outline categorizes these as judicial bonds and separately lists such forms as attachment, replevin, appeal, injunction, and cost bonds.
The Series 17-70 outline makes the distinction explicit: it lists Principal, Obligee, and Surety under "Parties of a surety bond," while Bid and Performance appear under types of contract bonds, and judicial bonds appear as another bond category.

NEW QUESTION # 59
The self-insured portion of an insurance claim is called a

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

Answer: B

Explanation:
The correct answer is D - deductible. A deductible is the amount of an otherwise covered loss that the insured agrees to retain before or as part of the insurer's claim payment. In practical terms, it represents a form of self-insurance or risk retention within the policy.
New York Department of Financial Services defines an automobile physical-damage deductible as an amount the insured agrees to be responsible for in the event of a covered collision or comprehensive loss. DFS also explains that increasing the deductible generally shifts a larger portion of potential loss to the insured and can reduce the insurance premium.
For example, if a covered property loss is $8,000 and the policy contains a $1,000 deductible, the insurer ordinarily pays $7,000, assuming no other limitation applies. The insured absorbs the first $1,000.
Coinsurance is different. It is an insurance-to-value mechanism that can reduce recovery when the insured fails to maintain the required amount of insurance. A principal is a party or amount concept used in other financial or surety contexts. Liability describes legal responsibility and is not the portion of a loss retained by the insured.
The Series 17-70 outline specifically tests deductibles, loss valuation, policy limits, coinsurance, and claim settlement calculations.
Therefore, D is correct.

NEW QUESTION # 60
A homeowners policy debris removal clause covers

A. fallen trees that cause up to $1,000 in property damage.
B. any fallen tree resulting from a natural disaster.
C. all fallen trees on the insured property.
D. trees that damage a covered building from a covered peril.

Answer: D

Explanation:
The correct answer is D. Homeowners Debris Removal coverage does not pay merely because a tree has fallen somewhere on the residence premises. The coverage generally requires that the loss satisfy the specific policy conditions governing fallen-tree removal.
Under standard homeowners principles, reasonable tree-removal expenses can be covered when a tree is felled by an applicable insured peril and damages a covered structure. Certain forms also provide coverage where a qualifying tree blocks a driveway or specified accessibility route. A state insurance regulator's homeowners guidance similarly explains that debris removal includes qualifying trees felled by a covered peril when they damage a covered structure or meet specified access-blocking requirements.
Option A is much too broad because a tree falling harmlessly in the yard does not automatically generate insurance coverage. Option B is likewise incorrect because "natural disaster" is not itself a policy coverage trigger; the cause must fall within the applicable insured-peril wording. Option C confuses the tree-removal sublimit with the requirement that the tree cause a particular dollar amount of property damage. The policy does not require exactly $1,000 of structural damage.
The Series 17-70 outline specifically tests Homeowners Additional Coverages, Perils Insured Against, Exclusions, and Conditions.
Therefore, D is the best answer.

NEW QUESTION # 61
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

A. $250.
B. $1,000.
C. $500.
D. $10,000.

Answer: B

Explanation:
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.

NEW QUESTION # 62
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