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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Claims Adjustment Procedures | - Advance payments - Subrogation procedures - Appraisal - Settlement procedures - Non-waiver agreements - Mediation - Negotiation - Alternative dispute resolution - Claims adjustment procedures - Arbitration - Draft authority - Execution of releases - Coverage problems - Competitive estimates - Releases - Reservation of rights letters | |
| Topic 2: Insurance Regulation | - Bond requirements - Temporary adjuster permits - Qualifications - Licensing process - License maintenance and duration - License renewal - Licensing requirements - Fingerprinting | |
| Topic 3: New York Unfair Claim Settlement and Prohibited Practices | - Consumer privacy requirements - Insurance fraud and false statements - New York claim settlement laws and regulations - Terrorism Risk Insurance Act - Unfair claim settlement practices - New York cybersecurity regulation | |
| Topic 4: Other Property and Liability Coverages | - Crime insurance - Workers compensation - Excess liability - Surety and fidelity bonds - Inland marine - Personal automobile - Commercial automobile - Aviation insurance - Ocean marine - Flood insurance | |
| Topic 5: Commercial Property | - Businessowners Policy - Commercial property forms and endorsements - Commercial Package Policy - Commercial property coverage - Commercial General Liability | |
| Topic 6: Commercial Package Policy | 38% | - Monoline versus package policies - First named insured - Components of a commercial policy - Common policy conditions - Common policy declarations |
| Topic 7: Insurance Principles and Concepts | - Hazards - Waiver and estoppel - Warranties - Moral hazards - Representations and misrepresentations - Fraud - Concealment - Physical hazards - Insurable interest - Insurance contracts - Insurance principles and concepts - Morale hazards | |
| Topic 8: Dwelling and Homeowners Insurance | - Homeowners property coverage - Homeowners liability coverage - Standard Fire Policy - Personal liability supplement - Personal umbrella policies - Dwelling policies - New York specific endorsements |
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NEW QUESTION # 17
Which of the following would be considered an unforeseen act which causes bodily harm?
Answer: C
Explanation:
The correct answer is C - Accidental injury. An accidental injury results from an unintended or unforeseen event producing bodily harm. This characteristic distinguishes an accident from deliberate conduct or an intentionally produced injury. New York's accident-insurance framework treats accident coverage as insurance for death, dismemberment, disability, medical care, or similar loss caused by an accident or specified types of accidents. DFS also requires accident-only policies to make clear that benefits relate to a covered accident, rather than sickness generally.
Options B and D involve intentional self-harm and therefore do not satisfy the ordinary accidental-event concept stated in the question. A suicide attempt is intentionally undertaken even though the eventual degree of injury may not have been intended. A deliberate self-inflicted injury is expressly intentional by definition.
Alcohol abuse is also not itself an unforeseen accidental act producing bodily injury. Although an accident might occur while a person is intoxicated, the abuse itself is not synonymous with an accidental injury and coverage would depend on the actual policy wording and circumstances.
For examination purposes, the defining characteristics are unexpectedness, lack of intent, and resulting bodily harm.
Series 17-70 reference topics: Other Coverages - Accident and Health Concepts, Accidental Injury, Accident-Only Coverage, and Exclusions for Intentional Injury.
NEW QUESTION # 18
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 §15(8).
Therefore, A is correct.
NEW QUESTION # 19
Under which of the following coverage forms would a barn be covered on a Farm Policy?
Answer: C
Explanation:
The correct answer is D. Under the ISO Farm Property program, barns, outbuildings, and similar agricultural structures are insured under Coverage G - Other Farm Structures, also identified in modern forms as Coverage G - Barns, Outbuildings and Other Farm Structures. The coverage applies to qualifying farm buildings and structures when the necessary limit of insurance is shown in the declarations. Coverage G expressly encompasses structures such as barns, silos, portable farm buildings, and other qualifying outbuildings.
The other choices correspond to different property classifications. Coverage B, Other Private Structures, concerns eligible private structures associated principally with residential rather than farming use. Coverage E, Scheduled Farm Personal Property, applies to specifically described farm personal property such as designated machinery, livestock, or equipment. Coverage F, Unscheduled Farm Personal Property, provides blanket-style protection for eligible farm personal property rather than buildings.
The official Series 17-70 content outline directly distinguishes these categories: Coverage A-Dwellings, Coverage B-Other Private Structures, Coverage C-Household Personal Property, Coverage D-Loss of Use, Coverage E-Scheduled Farm Personal Property, Coverage F-Unscheduled Farm Personal Property, and Coverage G-Other Farm Structures.
A barn is a structure, not personal property. Therefore, Coverage G / Other Farm Structures is the required selection.
NEW QUESTION # 20
What is the purpose of a businessowner policy?
Answer: A
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 # 21
The liability section of a businessowners policy (BOP) covers which of the following?
Answer: D
NEW QUESTION # 22
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