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

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

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) NY-Independent-General-Adjuster Prüfungsfragen mit Lösungen (Q61-Q66):

61. Frage
Which part of the garage coverage form provides liability coverage for automobiles in the care, custody, and control of the insured?

A. Liability Coverage.
B. Garagekeepers Coverage.
C. Physical Damage Coverage.
D. Specified Coverage.

Antwort: B

Begründung:
The correct answer is C - Garagekeepers Coverage. Garagekeepers coverage addresses loss to customers' automobiles while those vehicles are in the insured garage operation's care, custody, or control, such as while being serviced, repaired, parked, stored, or otherwise attended by the insured.
This distinction is essential because ordinary liability coverage contains a care, custody, or control exclusion for damage to property entrusted to the insured. If an automobile repair business damages a customer's automobile while the vehicle is in the shop's custody, ordinary business auto or general liability property- damage protection generally does not fill that exposure. Garagekeepers coverage is specifically designed for it.
Physical Damage Coverage ordinarily protects covered autos owned or otherwise qualifying under the insured's own physical-damage symbols; it is not synonymous with protection for customer vehicles entrusted to the business. "Specified Coverage" is not the relevant garage-form coverage division.
Garagekeepers may be structured on a legal-liability basis or, depending on available forms, direct primary or direct excess bases. The precise form affects whether negligence must be established.
The official Series 17-70 examination outline expressly includes Garage Coverage, Garage Keeper's Coverage, Liability Coverage, Physical Damage Coverage, Exclusions, Conditions, and Definitions within Commercial Auto.
Therefore, the correct answer is C.

62. Frage
Which of the following is covered by the Causes of Loss - Special Form under commercial property?

A. Mudslide.
B. Flood.
C. Smog.
D. Windstorm.

Antwort: D

Begründung:
The correct answer is D - Windstorm. The Commercial Property Causes of Loss - Special Form is written on an open-perils basis. Instead of providing coverage only for specifically named perils, it defines covered causes of loss broadly as risks of direct physical loss unless the cause is expressly excluded or limited.
Windstorm is not generally excluded by the standard Special Form and is therefore ordinarily covered. By contrast, the form expressly excludes smog and includes broad water exclusions encompassing flood, surface water, waves, tides, and mudslide or mudflow. The actual ISO-derived Special Form wording identifies those exclusions directly. New York case law applying the Special Form likewise recognizes flood and mudslide
/mudflow within the standard water exclusion.
This illustrates the key distinction between Basic, Broad, and Special Causes of Loss forms. With a named- peril form, the insured generally begins by demonstrating that a listed peril caused the damage. With Special Form coverage, direct physical loss is presumptively within the broad coverage grant unless an exclusion or limitation applies.
An adjuster must therefore examine the causal mechanism and then determine whether a Special Form exclusion applies.
Among the four choices, Windstorm is the covered cause of loss.
Therefore, D is correct.

63. Frage
At the insurer's request, an insured must assist the insurer in

A. negotiating a settlement.
B. enforcing any right of contribution or indemnity against any person liable to an insured.
C. making voluntary payments to claimants in advance of final settlement.
D. paying legal bills.

Antwort: B

Begründung:
The correct answer is A. Liability insurance policies impose an assistance and cooperation condition on the insured. Under the traditional policy wording, the insured must cooperate with the insurer and, when requested, assist in the conduct of suits and in enforcing rights of contribution or indemnity against persons or organizations that may be liable to the insured for the covered injury or damage. Courts reproducing standard liability-policy language confirm this contractual obligation.
Option B conflicts with another fundamental liability-policy condition: an insured generally may not voluntarily make payments, assume obligations, or incur expenses without the insurer's consent, except for specifically permitted expenses such as immediate first aid under applicable forms. Unauthorized voluntary payments can prejudice the insurer's contractual control of the claim.
Option C is imprecise. Although an insured can be required to assist the insurer in making settlements, the insurer normally controls settlement negotiations within the authority granted by the liability contract. The question asks for the specific duty expressed in standard cooperation language, making A the precise choice.
Paying legal bills, option D, is likewise not the insured's cooperation obligation where covered defense costs are contractually borne by the insurer.
The Series 17-70 outline expressly includes duties after loss, subrogation, third-party provisions, settlement procedures, and subrogation procedures.

64. Frage
Which liability policy is BEST suited to protect someone who manages private pensions and employee benefits plans?

A. Malpractice.
B. Fiduciary Liability.
C. Directors and Officers.
D. Errors and Omissions.

Antwort: B

Begründung:
The correct answer is C - Fiduciary Liability. Individuals who exercise discretionary authority or control over employee benefit plans, including private pension or retirement plans, can have fiduciary responsibilities under ERISA. Fiduciary liability insurance is specifically designed to address claims alleging breaches in those responsibilities, including improper plan administration, imprudent investment decisions, failure to follow plan documents, conflicts of interest, or other alleged fiduciary misconduct.
Travelers explains that persons who manage retirement or health plans or control plan assets may be fiduciaries and may face personal liability for breach of fiduciary duty. Chubb similarly identifies employee welfare and retirement plan fiduciary liability as a specialized exposure that conventional Directors and Officers coverage may not adequately address.
Errors and Omissions insurance addresses professional service errors more generally. Malpractice is associated primarily with designated professional practices such as medicine or law. Directors and Officers insurance principally protects corporate directors and officers against wrongful acts arising from organizational management, but it is not the dedicated coverage for ERISA fiduciary exposures.
The Series 17-70 outline expressly lists Fiduciary Liability under Specialty Liability Insurance.
Therefore, C provides the most directly applicable protection.

65. Frage
If a businessowner has a loss, which of the following will the insurer REQUIRE from the insured to assist in the business interruption portion of the claim?

A. Production of list of furniture and fixtures.
B. Production of books and records, including taxes and all schedules.
C. Examination under oath.
D. Submission to an insurer's onsite inspection request.

Antwort: B

Begründung:
The correct answer is A. A business interruption or Business Income claim requires documentary evidence sufficient to establish what the business would probably have earned had the covered loss not occurred.
Financial records are therefore indispensable. Relevant documentation commonly includes profit-and-loss statements, sales records, payroll information, general ledgers, prior financial statements, income-tax returns, and associated tax schedules.
The standard Business Income coverage conditions authorize the insurer, as often as reasonably required, to examine the insured's books and records and make copies. This enables the adjuster to reconstruct historical income, determine continuing and noncontinuing expenses, identify trends, evaluate the period of restoration, and calculate the actual Business Income loss.
An examination under oath can also be required during a claim investigation, but it is not the best answer to what specifically assists with the business interruption calculation. Furniture and fixture inventories principally support physical property claims. An onsite inspection likewise assists investigation but does not provide the financial evidence needed to quantify lost earnings.
The official Series 17-70 outline specifically tests Business Income/Extra Expense, Business Interruption/time element, and the insured's duty to produce books and records after loss.

66. Frage
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