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| Section | Weight | Objectives |
|---|---|---|
| Dwelling and Homeowners Insurance | - Personal umbrella policies - New York specific endorsements - Dwelling policies - Homeowners property coverage - Personal liability supplement - Homeowners liability coverage - Standard Fire Policy | |
| Claims Adjustment Procedures | - Negotiation - Appraisal - Releases - Draft authority - Competitive estimates - Advance payments - Alternative dispute resolution - Coverage problems - Execution of releases - Subrogation procedures - Claims adjustment procedures - Reservation of rights letters - Non-waiver agreements - Settlement procedures - Mediation - Arbitration | |
| Insurance Principles and Concepts | - Hazards - Physical hazards - Morale hazards - Moral hazards - Insurable interest - Fraud - Representations and misrepresentations - Waiver and estoppel - Insurance principles and concepts - Warranties - Insurance contracts - Concealment | |
| Commercial Property | - Commercial General Liability - Commercial Package Policy - Commercial property forms and endorsements - Businessowners Policy - Commercial property coverage | |
| Other Property and Liability Coverages | - Commercial automobile - Inland marine - Personal automobile - Crime insurance - Workers compensation - Surety and fidelity bonds - Ocean marine - Flood insurance - Aviation insurance - Excess liability | |
| Insurance Regulation | - Temporary adjuster permits - Bond requirements - Licensing requirements - Licensing process - Qualifications - License renewal - License maintenance and duration - Fingerprinting | |
| Commercial Package Policy | 38% | - First named insured - Monoline versus package policies - Common policy declarations - Components of a commercial policy - Common policy conditions |
| New York Unfair Claim Settlement and Prohibited Practices | - Unfair claim settlement practices - Consumer privacy requirements - New York cybersecurity regulation - Insurance fraud and false statements - Terrorism Risk Insurance Act - New York claim settlement laws and regulations |
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NEW QUESTION # 63
What is NOT covered in the Farm Liability Coverage Form?
Answer: B
Explanation:
The correct answer is C - Injury to farm employees. The standard Farm Liability Coverage Form provides several principal liability protections. These include Coverage H - Bodily Injury and Property Damage Liability, Coverage I - Personal and Advertising Injury Liability, and Coverage J - Medical Payments.
These correspond directly to options D, B, and A.
In contrast, bodily injury sustained by an employee as a result of employment by the insured is generally excluded from the standard liability coverage. Standard Farm Liability wording excludes most bodily injury to an employee arising out of and in the course of employment, reflecting the principle that occupational injuries should ordinarily be handled through Workers Compensation or specialized farm-employer coverage rather than general farm liability.
Where broader protection for farm employees is needed, specialized endorsements or separate statutory coverage may modify the exposure. An adjuster must therefore distinguish third-party farm liability from an employer's obligations to employees.
The Series 17-70 outline specifically includes farm liability concepts and requires candidates to distinguish covered liability hazards from employee-related exclusions.
Therefore, C is correct.
NEW QUESTION # 64
The primary purpose of the Workers Compensation Special Disability Fund is to
Answer: A
Explanation:
The correct answer is A - encourage employers to hire workers with pre-existing disabilities. New York's Special Disability Fund, historically referred to as the Second Injury Fund, was designed to reduce the financial disincentive associated with employing workers who already had permanent physical impairments.
The New York Workers' Compensation Board explains that the fund assumed, in qualifying cases, part of the permanent disability liability resulting when a worker with a pre-existing disability sustained a subsequent employment injury. The Board expressly states that one purpose was to encourage employers to hire people with disabilities by protecting employers against disproportionate liability from a subsequent workplace injury.
Therefore, option A identifies the underlying policy objective. The fund was not created simply because an employee experienced two injuries, eliminating B. It does not provide ordinary benefits for injuries unrelated to employment, so C is incorrect. Option D inaccurately describes the fund as directly compensating employees for "second partial disability claims"; its principal mechanism was reimbursement or allocation of liability involving employers and insurers under qualifying statutory circumstances.
The Fund is now closed to new claims, although historical Section 15(8) matters continue to be administered.
The Series 17-70 outline nevertheless specifically tests the Special Disability Fund under WCL ยง15(8).
Therefore, A is correct.
NEW QUESTION # 65
What type of insurance covers goods in transit over water?
Answer: B
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 # 66
What is the purpose of a businessowner policy?
Answer: D
Explanation:
The correct answer is C - To allow insureds to provide coverage for their small business. A Businessowners Policy, or BOP, packages several major insurance protections needed by eligible small and medium-sized businesses into a standardized policy. Typical BOP protection combines commercial property coverage, business income and extra expense protection, and business liability coverage. It is designed for businesses that fall within defined eligibility classifications and generally exhibit comparatively predictable exposures.
Option A is incorrect because a BOP is a commercial policy and is not intended to package an individual's personal liability with business liability. Option B describes an excess or surplus lines concept rather than the purpose of a BOP. BOPs are routinely written in the admitted market for eligible businesses. Option D is incorrect because standard workers' compensation insurance is not incorporated into the BOP; it normally requires a separate workers' compensation policy.
The BOP is particularly efficient because property and liability protection can be obtained within a single integrated contract instead of purchasing multiple standalone forms. However, specialized exposures may require separate policies or endorsements.
Series 17-70 reference topics: Businessowners Policy (BOP) - Eligibility, Property Coverage, Business Income, Liability Coverage, Additional Coverages, Exclusions, and Policy Conditions.
NEW QUESTION # 67
Which of the following is covered by the Causes of Loss - Special Form under commercial property?
Answer: B
Explanation:
The correct answer is D - Windstorm. The Commercial Property Causes of Loss - Special Form operates primarily on an open-perils basis. Rather than limiting coverage only to individually listed causes of loss, it generally covers risks of direct physical loss unless the cause is specifically excluded or limited by the form.
The Special Form specifically excludes smog. It also contains a Water exclusion that includes flood, surface water, waves, overflow of bodies of water, mudslide, and mudflow. Consequently, options A, B, and C describe causes specifically removed from the broad Special Form coverage grant.
Windstorm, by contrast, is not generally excluded by the standard Causes of Loss - Special Form. Direct physical damage caused by wind is therefore ordinarily covered unless another exclusion, limitation, endorsement, or property-specific provision applies.
This illustrates an essential adjusting distinction. Under a named-perils form, the insured must establish that the damage resulted from one of the listed covered causes. Under an open-perils Special Form, analysis begins with broad direct physical loss coverage and then determines whether an exclusion or limitation removes the loss.
The Series 17-70 outline specifically covers Commercial Property causes-of-loss forms, exclusions, and open- versus-named-peril concepts.
Therefore, D is correct.
NEW QUESTION # 68
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