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

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

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q95-Q100):

NEW QUESTION # 95
Which of the following situations would REQUIRE a commercial umbrella policy?

A. Ensuring uniformity among policies as mandated by the NAIC.
B. Reducing the need for reinsurer or surplus lines insurance.
C. Compliance with state minimum coverage requirements.
D. Covering large losses that exceed the underlying liability coverage.

Answer: D

Explanation:
The correct answer is D - covering large losses that exceed the underlying liability coverage. A commercial umbrella policy is designed primarily to provide an additional layer of liability protection above specified underlying insurance, commonly Commercial General Liability, Business Auto Liability, and Employers Liability.
When a covered catastrophic claim exceeds the applicable underlying policy limit, the umbrella can respond above that exhausted limit, subject to its attachment point, exclusions, retained limits, and other contractual provisions. Insurance industry guidance describes commercial umbrella insurance as protection intended for unusually large losses after the underlying liability limits have been used up.
Option A is incorrect because statutory minimum insurance requirements are generally satisfied through required primary insurance, not by purchasing an umbrella. Option B is unrelated; the NAIC does not mandate umbrella insurance merely to make an insured's policies uniform. Option C is also incorrect because reinsurance protects insurers and surplus lines insurance addresses risks that may not be available in the admitted market; neither is replaced simply by an insured purchasing umbrella coverage.
A commercial umbrella may also provide broader protection than pure follow-form excess insurance, depending on its specific wording.
The Series 17-70 curriculum specifically tests Commercial Umbrella CU 00 01, underlying limits, excess coverage, stand-alone coverage, and follow-form concepts.
Therefore, D is correct.

NEW QUESTION # 96
Under an equipment breakdown coverage form, a breakdown would include

A. wear and tear.
B. leakage of valves.
C. failure of a safety device.
D. explosion of a pressure vessel.

Answer: D

Explanation:
The correct answer is C - Explosion of a pressure vessel. Equipment Breakdown insurance evolved from traditional boiler and machinery coverage and protects against specified accidental failures involving mechanical, electrical, and pressure equipment. Boilers and pressure vessels remain central examples of covered equipment.
Travelers identifies boilers and pressure vessels among equipment insured by equipment-breakdown coverage and explains that such coverage can protect against losses associated with explosions, mechanical failures, and electrical arcing. IRMI likewise describes boiler or pressure-vessel explosion as a traditional equipment- breakdown exposure.
The other choices describe conditions that ordinarily do not independently satisfy the definition of a covered breakdown. Wear and tear represents gradual deterioration rather than a sudden accidental equipment event.
Leakage at valves or fittings is commonly specifically distinguished from breakdown. The functioning or failure characteristics of protective or safety devices also require analysis under the precise form and generally do not constitute the intended qualifying breakdown in this question.
Equipment Breakdown insurance is especially important because standard commercial property forms may exclude or restrict losses caused by mechanical breakdown, electrical disturbance, or certain pressure- equipment events.
Series 17-70 reference topics: Other Coverages - Equipment Breakdown, Property Exposures, Causes of Loss, Exclusions, and Specialized Commercial Coverages.

NEW QUESTION # 97
Which of the following factors is NOT used to determine if an injury qualifies for Workers' Compensation coverage?

A. Time of occurrence.
B. Place of occurrence.
C. Severity of injury.
D. Circumstances of injury.

Answer: C

Explanation:
The correct answer is D - Severity of injury. For an accidental injury to qualify under New York Workers' Compensation Law, the central coverage inquiry is whether the injury arose out of and occurred in the course of employment. The New York Workers' Compensation Board specifically explains that "in the course of employment" concerns whether an injury occurred at a time, place, and under circumstances related to employment.
Accordingly, the time of the accident, its location, and the circumstances surrounding the event are directly relevant to determining whether the necessary employment nexus exists. For example, an injury at the employer's premises while performing assigned work normally presents a much stronger employment connection than an injury sustained during an unrelated personal activity.
The severity of an injury is different. Severity may materially affect medical treatment, disability classification, duration of benefits, permanency, lost wages, and the amount ultimately payable. It does not, however, determine whether the injury initially arose out of and in the course of employment. Even a comparatively minor qualifying workplace injury can fall within Workers Compensation.
The Series 17-70 outline expressly tests employment covered, covered injuries, benefits provided, occupational disease, and New York Workers' Compensation Law.
Therefore, the factor not used to establish the employment relationship of the injury is D.

NEW QUESTION # 98
When it comes to liability on a Businessowners Policy, the insurer's duty to defend ends if the

A. limits of insurance are used up.
B. insured missed a payment on his premium.
C. insured did not pay his taxes.
D. insurer feels they put in too many claims in the past.

Answer: A

Explanation:
The correct answer is B - limits of insurance are used up. Under Businessowners liability coverage, the insurer generally has both a duty to indemnify the insured for covered damages and a duty to defend qualifying suits. However, the defense obligation does not continue indefinitely after the applicable liability limit has been exhausted in the manner prescribed by the policy.
Standard BOP analysis provides that the insurer's duty to defend ends when the applicable limit of insurance has been used up through payment of judgments or settlements. Simply deciding that the insured has made too many claims does not terminate the defense obligation.
That qualification matters. The insurer ordinarily cannot simply tender the limit without satisfying the policy wording and abandon an otherwise ongoing defense. Exhaustion must occur according to the contract.
Failure to pay taxes, option A, has no connection to the insurer's contractual defense duty. Premium nonpayment, option C, can eventually result in lawful cancellation or termination of coverage, but it does not describe the specific liability-form provision asked by this question. Option D has no contractual basis.
The Series 17-70 BOP section tests Business Liability, defense obligations, limits of insurance, exclusions, who is an insured, and liability conditions.
Therefore, B is correct.

NEW QUESTION # 99
Which is NOT a type of bond?

A. Obligee.
B. Performance.
C. Court.
D. Bid.

Answer: A

Explanation:
The correct answer is A - Obligee. An obligee is not a type of surety bond; it is one of the three parties to a surety bond. The three parties are the principal, the obligee, and the surety. The principal is the party whose performance or obligation is guaranteed. The obligee is the party requiring and benefiting from the bond. The surety is the organization that guarantees the principal's obligation according to the bond terms.
By contrast, bid bonds and performance bonds are recognized types of contract surety bonds. A bid bond supports the bidder's commitment to enter the contract and furnish required security if awarded the job. A performance bond guarantees that the principal will perform the contractual obligations covered by the bond.
"Court bond" is commonly used as a broad description for bonds required in judicial proceedings. The official Series 17-70 outline categorizes these as judicial bonds and separately lists such forms as attachment, replevin, appeal, injunction, and cost bonds.
The Series 17-70 outline makes the distinction explicit: it lists Principal, Obligee, and Surety under "Parties of a surety bond," while Bid and Performance appear under types of contract bonds, and judicial bonds appear as another bond category.

NEW QUESTION # 100
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