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| Section | Weight | Objectives |
|---|---|---|
| Dwelling and Homeowners Insurance | - Standard Fire Policy - Homeowners property coverage - Personal umbrella policies - New York specific endorsements - Personal liability supplement - Homeowners liability coverage - Dwelling policies | |
| Other Property and Liability Coverages | - Commercial automobile - Aviation insurance - Personal automobile - Workers compensation - Surety and fidelity bonds - Ocean marine - Inland marine - Excess liability - Crime insurance - Flood insurance | |
| New York Unfair Claim Settlement and Prohibited Practices | - Consumer privacy requirements - New York claim settlement laws and regulations - Unfair claim settlement practices - Terrorism Risk Insurance Act - Insurance fraud and false statements - New York cybersecurity regulation | |
| Commercial Package Policy | 38% | - Common policy declarations - Common policy conditions - First named insured - Components of a commercial policy - Monoline versus package policies |
| Commercial Property | - Commercial property coverage - Commercial property forms and endorsements - Commercial General Liability - Businessowners Policy - Commercial Package Policy | |
| Insurance Regulation | - License maintenance and duration - Temporary adjuster permits - Fingerprinting - Bond requirements - Qualifications - License renewal - Licensing process - Licensing requirements | |
| Insurance Principles and Concepts | - Fraud - Moral hazards - Morale hazards - Warranties - Insurable interest - Physical hazards - Representations and misrepresentations - Concealment - Insurance principles and concepts - Hazards - Insurance contracts - Waiver and estoppel | |
| Claims Adjustment Procedures | - Advance payments - Mediation - Reservation of rights letters - Claims adjustment procedures - Negotiation - Non-waiver agreements - Arbitration - Competitive estimates - Execution of releases - Settlement procedures - Subrogation procedures - Appraisal - Releases - Alternative dispute resolution - Coverage problems - Draft authority |
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질문 # 20
Under a Commercial Package Policy (CPP), the first named insured possesses all of the following responsibilities EXCEPT
정답：A
설명：
The correct answer is C - submitting surveys of the insured business to the insurer. The CPP Common Policy Conditions grant the first named insured several special rights and responsibilities. The first named insured may cancel the policy by providing the required written notice, is the party to whom applicable premium refunds are sent, and is authorized to make policy changes with the insurer's consent. Therefore, requesting an adjustment to policy limits falls within the first named insured's authority to seek policy changes.
The Inspections and Surveys condition operates differently. It gives the insurer the right, but generally not the obligation, to make inspections and surveys, provide reports concerning conditions found, and recommend changes. The policy does not impose a standard responsibility on the first named insured to prepare and submit surveys of the business. Standard common-policy wording expressly assigns the inspection-and-survey right to the insurer.
The first named insured also has important premium-related functions. Standard CPP wording provides for return premiums to be sent to the first named insured and recognizes the first named insured's cancellation authority.
The Series 17-70 outline specifically tests CPP components, Common Policy Declarations, Common Policy Conditions, and the First Named Insured.
질문 # 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?
정답：A
설명：
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.
질문 # 22
The final step of the claims process usually involves which of the following?
정답：B
설명：
The correct answer is A. After coverage has been verified, the loss investigated, evidence gathered, damages measured, and applicable policy provisions applied, the claim normally advances to settlement and payment.
At this stage, the adjuster communicates the valuation and seeks resolution of the amount payable under the policy.
A contemporary claims-process description characterizes the final stage as arranging resolution: once damages and costs are established, the adjuster discusses settlement and arranges payment.
Option B is incorrect because a historical loss run is an underwriting or loss-history document, not a mandatory final step in settling an individual claim. Option C is also incorrect; insurers are subject to regulatory reporting requirements, but an adjuster does not ordinarily submit every final claim payment to the state insurance department as the concluding step of each claim. Option D occurs earlier. Reserves are established and modified throughout investigation as the expected claim cost becomes clearer.
The official Series 17-70 outline specifically identifies Claims Adjustment Procedures, Settlement Procedures, Negotiation, Releases, Advance Payments, Draft Authority, Appraisal, and Alternative Dispute Resolution.
Therefore, A accurately describes the normal final settlement phase.
질문 # 23
Under a Homeowners policy, which of the following is an insured location?
정답：B
질문 # 24
A travel accident policy and a dread-disease contract are examples of
정답：D
설명：
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.
질문 # 25
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