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| Section | Weight | Objectives |
|---|---|---|
| Claims Investigation & Adjusting Procedures | 20% | - Settlement negotiation, reservation of rights, and denial procedures - Evidence gathering, coverage analysis, and policy interpretation - Loss valuation, damage assessment, and estimating - Claim intake, notice of loss, and initial investigation |
| New York Insurance Law & Regulations | 25% | - Unfair Claims Settlement Practices Act / Regulation 64 - State-specific policy provisions and mandatory endorsements - NY Insurance Law Articles and DFS regulations - Licensing requirements, eligibility, and examination rules |
| Ethics & Professional Responsibility | 15% | - Fiduciary duty, conflict of interest, and confidentiality - Fraud detection and reporting obligations - Fair claims handling standards and professional conduct |
| Property & Casualty Coverages | 25% | - Commercial Property and Businessowners policies - Automobile coverages โ Personal and Commercial - Specialty lines โ Inland Marine, Flood, Workers' Compensation, Crime - General Liability and Commercial General Liability - Dwelling and Homeowners policies |
| Insurance Fundamentals & General Principles | 15% | - Risk management and insurable interest - Insurance contract elements and legal structure - Indemnity, subrogation, utmost good faith |
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NEW QUESTION # 28
In order to provide coverage for land-based maritime employees, which endorsement MUST be added to the standard Workers' Compensation Policy?
Answer: D
Explanation:
The correct answer is D - U.S. Longshore and Harbor Workers Compensation Endorsement. The Longshore and Harbor Workers' Compensation Act (LHWCA) is a federal workers' compensation statute covering qualifying maritime employees such as longshore workers, harbor workers, ship repairers, shipbuilders, and shipbreakers who satisfy the Act's coverage requirements.
For New York workers' compensation insurance, the New York Compensation Insurance Rating Board expressly states that U.S. Longshore and Harbor Workers' Compensation Act insurance is provided by attaching the Longshore and Harbor Workers' Compensation Act Coverage Endorsement, WC 00 01 06 A, to the standard Workers Compensation and Employers Liability Insurance Policy.
Option B, the Federal Employers' Liability Act endorsement, addresses railroad employment exposures governed by FELA rather than longshore employment. Maritime Coverage endorsements relate principally to certain admiralty-law liabilities and should not be confused with the specific federal statutory workers' compensation coverage required by the LHWCA.
The distinction between seamen and land-based maritime workers is particularly important: qualifying vessel crew may fall under different maritime remedies, whereas qualifying shoreside maritime workers are the principal concern of the LHWCA.
Series 17-70 reference topics: Workers Compensation - Federal Workers Compensation Laws, LHWCA, Workers Compensation Policy, Employers Liability, and Federal Endorsements.
NEW QUESTION # 29
Under a Crop-Hail insurance policy, which of the following is true?
Answer: B
Explanation:
The correct answer is C - it covers only damage to the insured crop. Crop-Hail insurance is a specialized form of property insurance written on specifically identified growing crops. Standard crop-hail terminology defines an insured crop as a crop described in the Schedule of Insurance for which a specific amount of insurance and premium has been established. Loss adjustment therefore focuses on direct damage to the scheduled crop resulting from insured causes of loss.
Option D is incorrect because Crop-Hail is not automatically an all-weather policy. Hail is the fundamental peril, and policies commonly include or permit additional named perils such as fire or lightning. Wind protection frequently requires a separate endorsement, and frost is not universally included. Current agricultural insurance products specifically describe wind as an additional endorsement to underlying Crop- Hail coverage.
Option A is too broad because coverage does not necessarily attach simply when seed is placed in the ground; the effective date, crop condition, and applicable policy provisions govern attachment. Option B is not a universal defining rule of Crop-Hail coverage.
Crop-Hail should also be distinguished from federally supported Multiple Peril Crop Insurance, which addresses a much broader range of production risks.
Therefore, C is correct.
NEW QUESTION # 30
What type of insurance covers goods in transit over water?
Answer: B
Explanation:
The correct answer is A - Cargo. Marine Cargo Insurance protects goods or merchandise against covered physical loss or damage while those goods are being transported. Although historically associated primarily with ocean voyages, contemporary cargo policies can cover transit by sea, air, road, rail, or combinations of these methods.
Major marine insurers describe cargo coverage specifically as insurance for goods in transit, including movements by sea. Thus, when the exposure is physical loss of merchandise being transported over water, cargo insurance is the correct form.
"Freight," option C, ordinarily refers to transportation charges or, in marine terminology, the financial interest associated with earning freight charges. It does not identify the insurance protecting the goods themselves.
Protection and Indemnity, option D, is principally maritime liability insurance for vessel owners and operators, addressing exposures such as third-party bodily injury, property damage, crew liability, collision liabilities, and related maritime obligations. "Piracy" is a peril or specialized exposure rather than the general policy classification requested.
An independent adjuster must distinguish hull, cargo, freight, and protection-and-indemnity interests because each represents a different insurable interest within ocean marine insurance.
Therefore, goods transported over water are insured under Cargo Insurance, making A correct.
NEW QUESTION # 31
Which of the following exposures would be necessary to purchase a garage coverage form?
Answer: C
Explanation:
The correct examination answer is D - Franchise auto dealer. The traditional ISO Garage Coverage Form was developed specifically for automobile dealerships and related garage operations because such businesses combine exposures arising from owned autos, customers' autos, premises operations, products/completed operations, and automobile liability.
Under the legacy Garage Coverage Form used in the Series 17-70 commercial-auto syllabus, franchised and nonfranchised automobile dealerships are classic eligible garage operations. The Series 17-70 outline expressly identifies the Garage Coverage Form, Garagekeepers Coverage, liability coverage, physical damage, exclusions, conditions, and definitions as tested commercial-auto subjects.
A moving company is ordinarily handled through commercial auto/motor-carrier arrangements. An auto-parts store does not automatically create the combined dealership exposure contemplated by a garage form. A purely self-service carwash also does not present the same dealer exposure identified by the question.
There is an edition issue worth understanding: ISO replaced the dealer portion of the older CA 00 05 Garage Coverage Form with the modern CA 00 25 Auto Dealers Coverage Form beginning with its 2013 commercial- auto revision. Current Auto Dealers eligibility expressly includes franchised automobile dealerships. The Series 17-70 outline, however, explicitly tests the 2010 commercial-auto Garage form.
Therefore, for this examination, D is correct.
NEW QUESTION # 32
Which of the following factors is NOT used to determine if an injury qualifies for Workers' Compensation coverage?
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 # 33
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