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| Section | Weight | Objectives |
|---|---|---|
| Other Property and Liability Coverages | - Inland marine - Ocean marine - Aviation insurance - Commercial automobile - Surety and fidelity bonds - Crime insurance - Excess liability - Flood insurance - Workers compensation - Personal automobile | |
| Commercial Package Policy | 38% | - Monoline versus package policies - Common policy conditions - Common policy declarations - First named insured - Components of a commercial policy |
| Commercial Property | - Commercial General Liability - Commercial Package Policy - Businessowners Policy - Commercial property coverage - Commercial property forms and endorsements | |
| Dwelling and Homeowners Insurance | - Personal umbrella policies - New York specific endorsements - Standard Fire Policy - Personal liability supplement - Homeowners liability coverage - Homeowners property coverage - Dwelling policies | |
| Insurance Regulation | - Temporary adjuster permits - Licensing process - Licensing requirements - License renewal - Fingerprinting - Qualifications - License maintenance and duration - Bond requirements | |
| Insurance Principles and Concepts | - Physical hazards - Moral hazards - Hazards - Insurance contracts - Insurable interest - Fraud - Morale hazards - Warranties - Representations and misrepresentations - Waiver and estoppel - Concealment - Insurance principles and concepts | |
| New York Unfair Claim Settlement and Prohibited Practices | - Insurance fraud and false statements - Consumer privacy requirements - Terrorism Risk Insurance Act - Unfair claim settlement practices - New York claim settlement laws and regulations - New York cybersecurity regulation | |
| Claims Adjustment Procedures | - Negotiation - Subrogation procedures - Mediation - Draft authority - Claims adjustment procedures - Coverage problems - Execution of releases - Reservation of rights letters - Competitive estimates - Settlement procedures - Releases - Advance payments - Alternative dispute resolution - Appraisal - Non-waiver agreements - Arbitration |
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NEW QUESTION # 61
The Commercial Inland Marine Conditions Form, when attached to the Commercial Inland Marine Coverage Section, provides which of the following?
Answer: D
Explanation:
The correct answer is A - the insured party's duties in the event of a loss. The Commercial Inland Marine Conditions Form (CM 00 01) supplies common conditions applicable to qualifying Commercial Inland Marine coverage forms. One of its central provisions is Duties in the Event of Loss.
Those duties include notifying law enforcement when a law may have been broken, giving the insurer prompt notice of the loss, describing the property involved, explaining how, when, and where the loss occurred, protecting property from further damage, preserving damaged property for examination when feasible, providing requested inventories and records, submitting to examination under oath when required, and cooperating with the insurer.
Option B is incorrect because the conditions form does not itself create a generic transportation-and- communication coverage grant. Specific inland marine coverage forms insure particular property classes or transportation exposures. Option C is too broad; coverage depends on the individual inland marine form and applicable exclusions. Option D is not the principal function of CM 00 01.
The official Series 17-70 outline explicitly includes CM 00 01 - Commercial Inland Marine Conditions within its Commercial Package Policy material.
Therefore, A is correct.
NEW QUESTION # 62
A deli customer died from food poisoning because the chicken salad was not prepared correctly. Which type of loss is this an example of?
Answer: D
Explanation:
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.
NEW QUESTION # 63
Under an HO-6 policy, Coverage A - Dwelling applies to all of the following EXCEPT
Answer: A
Explanation:
The correct answer is B - unattached appliances. The HO-6 Condominium Unit-Owners form uses Coverage A differently from an ordinary homeowners dwelling form. Coverage A applies to qualifying alterations, appliances, fixtures, and improvements that are part of the building, together with specified items of real property pertaining exclusively to the residence premises and property for which the insured has insurance responsibility under the condominium association agreement.
Current judicial reproduction of condominium-policy language confirms that Coverage A includes
"alterations, appliances, fixtures and improvements" that are part of the building on the residence premises.
Thus, a built-in kitchen cabinet is a fixture forming part of the unit. Attached bathroom fixtures likewise constitute building fixtures. A permanently installed water heater serving the unit can also qualify as building property depending on ownership and association responsibility.
An unattached appliance, however, ordinarily remains personal property rather than a building fixture. Such property is generally analyzed under Coverage C - Personal Property, not Coverage A. The key examination distinction is whether the property has become part of the building or remains movable personal property.
The Series 17-70 outline specifically requires knowledge of HO-2 through HO-6, definitions, Coverage A - Dwelling, Coverage C - Personal Property, and other Section I property coverages.
NEW QUESTION # 64
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
Answer: D
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 # 65
Which of the following is NOT a basic peril on all homeowners forms?
Answer: C
Explanation:
The correct answer is D - Flood. Standard homeowners insurance does not treat flood as one of its basic insured perils. Flood is generally excluded from ordinary homeowners property coverage and normally requires separate flood insurance, such as coverage obtained through the National Flood Insurance Program or an eligible private flood insurer.
By contrast, riot or civil commotion, smoke, and volcanic eruption are among the standard named causes of loss appearing in homeowners forms. The Insurance Information Institute's comparison of homeowners perils identifies riot/civil commotion, smoke, and volcanic eruption as covered causes while explaining that flood requires separate protection.
The exclusion of flood is particularly important for adjusters because "water damage" is not a single coverage category. The adjuster must determine the actual mechanism and source of water-such as plumbing leakage, rain entering through covered storm damage, surface water, tidal overflow, sewer backup, or flood-and then apply the specific policy language.
The official Series 17-70 outline requires knowledge of the Homeowners 2011 Policy, including perils insured against, exclusions, and conditions. It separately identifies the National Flood Insurance Program elsewhere in the broader property curriculum.
Therefore, the peril that is not a basic homeowners peril is D - Flood.
NEW QUESTION # 66
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