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

Section	Weight	Objectives
Topic 1: Medical Reports and Terminology	4%	- Injuries, Diseases and Medical Tests 1. Diagnostic Tests 2. Common Injuries and Diseases - Medical Terminology 1. Prefixes, Suffixes and Abbreviations 2. Medical Specialties - Basic Human Anatomy 1. Cardiovascular and Abdominal Systems 2. Skeletal, Nervous and Respiratory Systems
Topic 2: Homeowners Policy	10%	- Coverage Forms 1. HO-2 through HO-6 2. HO-8 - Perils, Exclusions and Conditions 1. Perils Insured Against 2. Exclusions and Conditions - Property Coverages 1. Dwelling, Other Structures and Personal Property 2. Loss of Use and Additional Coverages - Liability Coverages 1. Personal Liability 2. Medical Payments to Others - Selected Endorsements 1. Earthquake, Identity Fraud and Home Business 2. New York Special Provisions
Topic 3: Dwelling Policy	6%	- Coverage Forms and Perils 1. Basic, Broad and Special Forms 2. Covered Perils - Property Coverages 1. Dwelling and Other Structures 2. Personal Property and Loss of Use - Exclusions, Conditions and Endorsements 1. New York and Selected Endorsements 2. General Exclusions and Conditions
Topic 4: Accident and Health Insurance Basics	6%	- Types of Coverage 1. Accidental Injury and Sickness 2. Disability, Medical and Long-Term Care - Limited Policies 1. Hospital, Dental and Vision Coverage 2. Accident-Only and Specified Disease - Accident and Health Claims 1. Notice and Proof of Loss 2. Investigation and Payment of Claims
Topic 5: Commercial Package Policy	38%	- Transportation Coverages 1. Motor Truck Cargo 2. Transit Coverage 3. Common Carrier Legal Liability - Commercial Policy Components 1. Common Policy Conditions 2. Common Policy Declarations - Commercial Inland Marine 1. Jewelers Block, Signs and Electronic Data Processing 2. Contractors Equipment and Installation Floaters 3. Marine Definition and Conditions 4. Accounts Receivable and Valuable Papers
Topic 6: Adjusting Losses	11%	- Claim Settlement 1. Negotiation and Releases 2. Subrogation, Appraisal and Arbitration - Claim Investigation 1. Claim Reporting and Documentation 2. Evidence and Witness Statements - Role of the Adjuster 1. Duties and Responsibilities 2. Independent, Staff and Public Adjusters - Property and Liability Losses 1. Estimates, Depreciation and Salvage 2. Coverage Verification and Loss Evaluation
Topic 7: Insurance Regulation	6%	- Claim Settlement Regulations 1. Consumer Privacy 2. Unfair Claim Practices - License Maintenance 1. Renewal and Changes 2. Assumed Names and Reporting - Disciplinary Actions 1. Suspension and Revocation 2. Penalties and Cease and Desist Orders - Licensing Requirements 1. Qualifications and Application 2. Bond and Fingerprinting
Topic 8: Insurance Basics	6%	- Insurance Contracts 1. Representations, Warranties and Concealment 2. Elements and Characteristics - Policy Structure 1. Limits, Deductibles and Other Insurance 2. Subrogation, Salvage and Loss Settlement 3. Declarations, Conditions and Exclusions - Insurance Principles 1. Insurable Interest and Indemnity 2. Hazards, Negligence and Liability 3. Causes and Valuation of Loss
Topic 9: Personal Inland Marine	13%	- Personal Effects Floater 1. Coverage and Loss Settlement - Personal Property Floater 1. Coverage and Eligible Property - Personal Articles Floater 1. Scheduled Personal Property

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q20-Q25):

NEW QUESTION # 20
The liability section of a businessowners policy (BOP) covers which of the following?

A. Roof damaged by a windstorm.
B. Bodily injury suffered in an automobile accident.
C. Customer injured on the business premises.
D. Medical payments for injured employee.

Answer: C

Explanation:
The correct answer is D - Customer injured on the business premises. The Businessowners Policy liability section protects an eligible business against covered legal liability for bodily injury, property damage, and personal and advertising injury arising from covered business operations. A customer who is injured on the insured premises represents a classic premises-liability exposure.
Option A concerns first-party property damage to the insured building. A roof damaged by a covered windstorm would therefore be analyzed under the BOP property section, not business liability coverage.
Option B is incorrect because bodily injury to an employee arising out of and in the course of employment is generally excluded from ordinary BOP business liability coverage and is instead addressed by Workers Compensation and Employers Liability insurance.
Option C is also incorrect in the ordinary BOP liability form because bodily injury arising from ownership, maintenance, or use of autos is subject to the policy's auto exclusion. Commercial auto exposures typically require separate Business Auto coverage or an applicable BOP endorsement for limited hired/nonowned auto liability.
The official Series 17-70 blueprint expressly tests the Businessowners liability coverage form, coverages, exclusions, who is an insured, limits, general conditions, and hired/nonowned auto endorsements.
Therefore, D is correct.

NEW QUESTION # 21
According to the conditions of Commercial General Liability (CGL), what are the insured's duties in the event of an occurrence, claim, or suit?

A. They must promptly notify the insurer of an occurrence that may result in a claim.
B. They should cooperate and assist in the investigation of a claim if they feel they can be helpful.
C. They must provide written notice of a claim or suit within 7 days of an occurrence.
D. They should provide notice to the insurer of all business matters.

Answer: A

Explanation:
The correct answer is B. Under the standard CGL condition titled Duties in the Event of Occurrence, Offense, Claim or Suit, the insured must see that the insurer is notified as soon as practicable of an occurrence or offense that may result in a claim. The notice should, to the extent possible, identify how, when, and where the occurrence happened, the names and addresses of injured persons and witnesses, and the nature and location of resulting injury or damage. New York Court of Appeals decisions reproduce this CGL condition substantially verbatim.
Option A is incorrect because the standard CGL does not establish a universal seven-day reporting deadline.
Option C is defective because cooperation is not discretionary; the insured must cooperate with investigation, settlement, and defense and provide assistance when requested. Option D is far too broad because the policy does not require reporting every business matter.
Once an actual claim or suit is received, additional duties apply, including promptly notifying the insurer and forwarding demands, notices, summonses, and legal papers.
The Series 17-70 outline specifically covers CGL conditions, occurrence versus claims-made coverage, investigation, and duties after loss or claim.

NEW QUESTION # 22
Under a homeowners policy, the duties of the insured after a loss to property are contained in which section of the policy?

A. Coverages.
B. Conditions.
C. Definitions.
D. Insuring agreement.

Answer: B

Explanation:
The correct answer is B - Conditions. In a homeowners policy, the insured's contractual obligations following a property loss are contained under Section I - Conditions, generally within a provision titled Duties After Loss.
Those duties typically require the insured to provide prompt notice of the loss, notify police when appropriate, protect the property against further damage, make reasonable emergency repairs, prepare an inventory of damaged personal property, cooperate with the insurer's investigation, show damaged property when requested, provide requested records and documents, and submit a signed proof of loss when required. Policy wording reproduced in court decisions expressly places "Duties After Loss" within Section I - Conditions.
The Insuring Agreement, option A, establishes the basic coverage promise. Definitions, option C, establish contractual meanings of designated terms. Coverages, option D, identify the types of property or loss protected by the contract. None of those sections is the primary location for the insured's post-loss procedural duties.
This distinction matters to an adjuster because compliance with policy conditions can affect claim investigation and, depending on the policy and governing law, the insured's entitlement to payment.
The Series 17-70 outline expressly tests Homeowners Conditions and adjusting-loss topics including the insured's duties after a loss, notice, mitigation, proof of loss, and production of records.

NEW QUESTION # 23
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?

A. Miscellaneous vehicle endorsement.
B. Drive other car endorsement.
C. Truckers coverage form.
D. Mobile equipment endorsement.

Answer: D

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 # 24
What type of insurance covers goods in transit over water?

A. Protection and indemnity.
B. Freight.
C. Piracy.
D. Cargo.

Answer: D

Explanation:
The correct answer is A - Cargo. Marine Cargo Insurance protects goods or merchandise against covered physical loss or damage while those goods are being transported. Although historically associated primarily with ocean voyages, contemporary cargo policies can cover transit by sea, air, road, rail, or combinations of these methods.
Major marine insurers describe cargo coverage specifically as insurance for goods in transit, including movements by sea. Thus, when the exposure is physical loss of merchandise being transported over water, cargo insurance is the correct form.
"Freight," option C, ordinarily refers to transportation charges or, in marine terminology, the financial interest associated with earning freight charges. It does not identify the insurance protecting the goods themselves.
Protection and Indemnity, option D, is principally maritime liability insurance for vessel owners and operators, addressing exposures such as third-party bodily injury, property damage, crew liability, collision liabilities, and related maritime obligations. "Piracy" is a peril or specialized exposure rather than the general policy classification requested.
An independent adjuster must distinguish hull, cargo, freight, and protection-and-indemnity interests because each represents a different insurable interest within ocean marine insurance.
Therefore, goods transported over water are insured under Cargo Insurance, making A correct.

NEW QUESTION # 25
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