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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Commercial Package Policy | 38% | - First named insured - Components of a commercial policy - Common policy declarations - Common policy conditions - Monoline versus package policies |
| Topic 2: Dwelling and Homeowners Insurance | - New York specific endorsements - Homeowners property coverage - Homeowners liability coverage - Personal liability supplement - Personal umbrella policies - Dwelling policies - Standard Fire Policy | |
| Topic 3: Claims Adjustment Procedures | - Subrogation procedures - Non-waiver agreements - Execution of releases - Coverage problems - Competitive estimates - Appraisal - Mediation - Claims adjustment procedures - Arbitration - Releases - Draft authority - Settlement procedures - Reservation of rights letters - Negotiation - Alternative dispute resolution - Advance payments | |
| Topic 4: New York Unfair Claim Settlement and Prohibited Practices | - Insurance fraud and false statements - Consumer privacy requirements - New York claim settlement laws and regulations - Unfair claim settlement practices - New York cybersecurity regulation - Terrorism Risk Insurance Act | |
| Topic 5: Insurance Principles and Concepts | - Insurable interest - Fraud - Representations and misrepresentations - Insurance principles and concepts - Waiver and estoppel - Morale hazards - Warranties - Physical hazards - Moral hazards - Concealment - Hazards - Insurance contracts | |
| Topic 6: Insurance Regulation | - Licensing requirements - Qualifications - License maintenance and duration - License renewal - Temporary adjuster permits - Licensing process - Fingerprinting - Bond requirements | |
| Topic 7: Commercial Property | - Businessowners Policy - Commercial General Liability - Commercial property coverage - Commercial property forms and endorsements - Commercial Package Policy | |
| Topic 8: Other Property and Liability Coverages | - Excess liability - Personal automobile - Inland marine - Commercial automobile - Ocean marine - Aviation insurance - Workers compensation - Crime insurance - Surety and fidelity bonds - Flood insurance |
>> NY-Independent-General-Adjuster Official Cert Guide <<
You will become accustomed to and familiar with the free demo for Insurance Licensing NY-Independent-General-Adjuster Exam Questions. Exam self-evaluation techniques in our NY-Independent-General-Adjuster desktop-based software include randomized questions and timed tests. These tools assist you in assessing your ability and identifying areas for improvement to pass the Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) exam.
NEW QUESTION # 53
Under a Homeowners policy, which of the following is an insured location?
Answer: A
Explanation:
The correct answer is A - Cemetery plots of any insured. The standardized Homeowners definition of
"insured location" is broader than the residence premises alone. It includes several specifically described locations connected with an insured, one of which is an individual or family cemetery plot or burial vault of an insured.
Published homeowners policy language reproduced in judicial decisions expressly lists individual or family cemetery plots or burial vaults of an insured within the definition of insured location.
An airport is not automatically an insured location merely because an insured happens to be present there.
Similarly, an office building used for business is not brought within the homeowners insured-location definition solely because an insured works there. Farmland is particularly important because homeowners wording generally includes vacant land other than farm land owned by or rented to an insured. Thus, farmland does not qualify under that provision.
The definition is especially significant for Section II liability coverage, because certain premises-related bodily injury or property damage exposures depend on whether a location qualifies as an insured location.
The official Series 17-70 outline tests Homeowners definitions, the HO-2 through HO-6 forms, Section II liability coverages, exclusions, and conditions.
Therefore, A is the only listed location expressly recognized by standard homeowners wording.
NEW QUESTION # 54
Accident-only policies commonly include benefits due to losses related to
Answer: C
Explanation:
The correct answer is C. Accident-only insurance is a limited form of accident and health coverage in which benefits are triggered by an accident or specified category of accidental event, rather than by sickness generally. The NAIC defines an accident as an unexpected event or circumstance without deliberate intent and describes accident-only insurance as coverage for death, dismemberment, disability, hospital treatment, or medical care caused or necessitated by an accident or specified kinds of accidents.
Option A is incorrect because illness is not converted into an accident simply because its onset is unexpected.
Coverage for sickness belongs to health or medical insurance provisions unless specifically included by another policy form. Option B, congenital diseases, similarly concerns medical conditions rather than accidental occurrences. Option D is too broad because the mere absence of intentional conduct does not automatically satisfy the policy's definition of an accidental injury or covered accident. There must be the required causal connection to an insured accidental event.
The Series 17-70 content outline expressly tests Accidental Injury, classes of accident and health coverage, limited policies, and specifically Accident-Only coverage.
Accordingly, a fortuitous, unexpected accidental event is the operative trigger, making C the correct answer.
NEW QUESTION # 55
A commercial umbrella policy provides coverage in which of the following situations?
Answer: D
Explanation:
The correct answer is D. A commercial umbrella policy provides an additional layer of liability insurance above specified underlying policies, such as Commercial General Liability, Business Auto Liability, or Employers Liability. For a loss covered by both the underlying policy and umbrella, the umbrella generally begins responding after the applicable underlying limits have been exhausted by covered loss, subject to the umbrella's terms, limits, exclusions, and attachment requirements.
Travelers describes umbrella coverage as providing additional limits for types of losses covered by primary policies, while excess liability functions as another layer over primary protection. The Series 17-70 outline specifically tests commercial umbrella coverage, underlying limits, excess coverage, stand-alone coverage, and follow-form concepts.
Option A is incorrect because an umbrella ordinarily does not automatically drop down merely because an underlying insurer becomes insolvent; insolvency treatment depends on the umbrella's exact wording. Option B refers to a personal-auto exposure rather than the commercial liability structure asked about. Option C is incorrect because a loss still within the retained underlying limit is principally the responsibility of the underlying insurer or insured retention.
Thus, once the required underlying policy limits have been exhausted by covered claims, the umbrella layer can attach.
Therefore, D is correct.
NEW QUESTION # 56
A travel accident policy and a dread-disease contract are examples of
Answer: C
Explanation:
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.
NEW QUESTION # 57
Homeowner Policies exclude coverage for
Answer: B
Explanation:
The correct answer is A. Standard homeowners property forms contain a broad earth movement exclusion, encompassing events such as earthquake, landslide, mudslide, earth sinking, rising, or shifting, subject to the precise policy wording and any endorsements purchased. Earthquake coverage ordinarily requires a separate endorsement or policy. The Series 17-70 examination outline specifically requires knowledge of Homeowners Policy additional coverages, perils insured against, exclusions, conditions, and selected endorsements, including an earthquake endorsement.
The remaining choices describe protections commonly appearing as Additional Coverages rather than general exclusions. Debris Removal reimburses reasonable expenses for removing debris of covered property following a covered cause of loss. Insurance-regulator guidance confirms debris removal is ordinarily incorporated into homeowners coverage when the underlying damage results from an insured peril.
Likewise, Property Removed protects covered property against direct loss while it is being removed from endangered premises to safeguard it from an insured peril, subject to the form's time limitations. Fire Department Service Charge provides a specified additional amount when an insured incurs a contractual fire- department service charge. These provisions are standard examples of homeowners additional coverages.
Therefore, among the four choices, earth movement is the excluded cause of loss.
NEW QUESTION # 58
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