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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: New York Insurance Law & Regulations | 25% | - Unfair Claims Settlement Practices Act / Regulation 64 - State-specific policy provisions and mandatory endorsements - NY Insurance Law Articles and DFS regulations - Licensing requirements, eligibility, and examination rules |
| Topic 2: Property & Casualty Coverages | 25% | - General Liability and Commercial General Liability - Specialty lines โ Inland Marine, Flood, Workers' Compensation, Crime - Automobile coverages โ Personal and Commercial - Dwelling and Homeowners policies - Commercial Property and Businessowners policies |
| Topic 3: Claims Investigation & Adjusting Procedures | 20% | - Claim intake, notice of loss, and initial investigation - Loss valuation, damage assessment, and estimating - Settlement negotiation, reservation of rights, and denial procedures - Evidence gathering, coverage analysis, and policy interpretation |
| Topic 4: Ethics & Professional Responsibility | 15% | - Fiduciary duty, conflict of interest, and confidentiality - Fair claims handling standards and professional conduct - Fraud detection and reporting obligations |
| Topic 5: Insurance Fundamentals & General Principles | 15% | - Insurance contract elements and legal structure - Indemnity, subrogation, utmost good faith - Risk management and insurable interest |
>> NY-Independent-General-Adjuster New Study Notes <<
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NEW QUESTION # 45
Broad theft coverage may ONLY be endorsed on a Dwelling Policy if the
Answer: D
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 # 46
An individual is injured while loading a vessel on U.S. navigable waters. Under which Act would they be covered?
Answer: D
Explanation:
The correct answer is D - U.S. Longshore and Harbor Workers' Compensation Act (LHWCA). The LHWCA is a federal workers compensation statute covering qualifying maritime employees who suffer employment-related injuries on the navigable waters of the United States or in adjoining areas customarily used for loading, unloading, repairing, dismantling, or building vessels. The statute expressly includes longshore workers and other persons engaged in longshoring operations.
The employee in this question is injured while loading a vessel, which is a classic longshoring function.
Assuming the applicable status and situs requirements are satisfied, LHWCA protection is therefore the appropriate federal coverage.
The Jones Act principally provides remedies for masters and members of a vessel's crew-seamen rather than ordinary land-based longshore workers. FELA applies primarily to qualifying railroad employees engaged in interstate commerce. "U.S. Coast Guard Act" is not the applicable workers compensation statute among these choices.
The official Series 17-70 content outline specifically lists Federal Employers Liability Act, U.S. Longshore and Harbor Workers' Compensation Act, and the Jones Act as separate federal compensation laws that candidates must distinguish.
Because this employee is performing vessel-loading work on navigable waters, D is correct.
NEW QUESTION # 47
The National Flood Insurance Program (NFIP) policies cover
Answer: A
Explanation:
The correct answer is B. The National Flood Insurance Program is designed principally to insure eligible buildings and personal property against direct physical loss by or from flood. The Standard Flood Insurance Policy does not function as broad consequential-loss insurance. Federal policy language expressly distinguishes direct physical flood damage from indirect economic consequences such as loss of use, lost revenue, lost profits, business interruption, and additional living expenses. Therefore, option A and option C do not describe the fundamental NFIP coverage grant.
Option D is also incorrect as a general statement. Sewer or drain backup is not independently treated as a covered flood merely because water enters through a sewer or drain; coverage depends on whether the backup is directly caused by an insured flood meeting the federal policy definition and conditions.
Option B uses simplified exam wording. Technically, NFIP does not cover literally every direct loss without limitation; coverage remains subject to insured-property requirements, exclusions, limits, and deductibles.
Nevertheless, B accurately states the intended coverage principle. The official Series 17-70 outline specifically includes National Flood Insurance Program-eligibility, coverage, flood definition, limits, deductibles, proof of loss, and policy forms.
NEW QUESTION # 48
A travel accident policy and a dread-disease contract are examples of
Answer: D
Explanation:
The correct answer is D - limited health insurance policies. Limited health insurance is designed to provide benefits for a narrowly defined event, disease, service, or category of loss rather than the broad spectrum of expenses normally addressed by comprehensive medical coverage.
A travel accident policy provides narrowly focused accident protection associated with travel or specified transportation exposures. Similarly, a specified or dread-disease policy pays benefits only when the insured experiences a specifically designated condition, such as cancer or another condition listed in the contract.
Because their benefit triggers and covered losses are intentionally restricted, both fit the limited-policy classification.
The Series 17-70 examination outline makes this distinction directly. It includes Limited versus comprehensive coverage, "Limited policies," "limited benefits and amounts," and specifically identifies Accident-only and Specified (dread) disease policies among the tested forms.
Options A and B describe methods of organizing insured persons rather than the limited nature of the coverage. Option C, "personal health policies," is too broad and does not identify the essential characteristic being tested.
An adjuster must recognize that a limited policy does not provide general medical insurance merely because an insured experiences medical expenses. Benefits are payable only when the loss falls within the policy's narrowly stated coverage trigger.
Therefore, D is correct.
NEW QUESTION # 49
A limit of insurance that determines the maximum amount that can be paid out annually is
Answer: D
Explanation:
The correct answer is C - an aggregate limit. An aggregate limit establishes the maximum amount an insurer will pay for all covered claims subject to that aggregate during the applicable policy period, ordinarily one year. The Hartford describes an aggregate limit as the maximum amount an insurer pays for all claims during the policy period.
This must be distinguished from an occurrence limit, which caps the amount payable for one occurrence. For example, a liability policy might provide a $1 million each-occurrence limit and a $2 million general aggregate. Multiple individually covered occurrences can therefore consume the aggregate until the total available limit has been exhausted.
A single limit generally refers to one combined limit rather than separate limits for different components, such as bodily injury and property damage. "Face amount" is terminology more commonly associated with life insurance or other contracts stating a specified benefit amount and does not describe an annual liability ceiling.
The official Series 17-70 outline specifically tests policy limits, per-occurrence limits, per-person limits, general and products/completed-operations aggregate limits, single/split limits, and combined single limits.
Thus, when the question asks for the limit controlling the maximum cumulative payout during the annual policy period, aggregate limit is the precise insurance term.
Therefore, C is correct.
NEW QUESTION # 50
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