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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Commercial Package Policy | 38% | - Common policy declarations - First named insured - Components of a commercial policy - Monoline versus package policies - Common policy conditions |
| Topic 2: Other Property and Liability Coverages | - Aviation insurance - Surety and fidelity bonds - Personal automobile - Flood insurance - Crime insurance - Workers compensation - Inland marine - Commercial automobile - Ocean marine - Excess liability | |
| Topic 3: Commercial Property | - Businessowners Policy - Commercial General Liability - Commercial property forms and endorsements - Commercial property coverage - Commercial Package Policy | |
| Topic 4: Claims Adjustment Procedures | - Mediation - Draft authority - Advance payments - Subrogation procedures - Releases - Negotiation - Non-waiver agreements - Execution of releases - Arbitration - Coverage problems - Competitive estimates - Appraisal - Reservation of rights letters - Alternative dispute resolution - Settlement procedures - Claims adjustment procedures | |
| Topic 5: New York Unfair Claim Settlement and Prohibited Practices | - New York claim settlement laws and regulations - Terrorism Risk Insurance Act - Insurance fraud and false statements - Consumer privacy requirements - Unfair claim settlement practices - New York cybersecurity regulation | |
| Topic 6: Insurance Principles and Concepts | - Insurable interest - Warranties - Insurance contracts - Waiver and estoppel - Fraud - Physical hazards - Insurance principles and concepts - Representations and misrepresentations - Hazards - Concealment - Moral hazards - Morale hazards | |
| Topic 7: Insurance Regulation | - Licensing process - Temporary adjuster permits - License maintenance and duration - Bond requirements - Licensing requirements - Fingerprinting - Qualifications - License renewal | |
| Topic 8: Dwelling and Homeowners Insurance | - Homeowners liability coverage - Dwelling policies - Personal umbrella policies - Standard Fire Policy - New York specific endorsements - Personal liability supplement - Homeowners property coverage |
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질문 # 70
A New York producer moved his/her office on April 1. The producer MUST inform the Superintendent of the address change no later than
정답：A
설명：
The correct answer is A - May 1. New York Insurance Law §2134(a) requires a licensee under Article 21 to inform the Superintendent, by a means acceptable to the Superintendent, of a change of address within 30 days of the change.
Because the producer moved the office on April 1, the 30-day reporting period makes May 1 the applicable answer among the choices. The requirement is designed to keep DFS licensing records current so that official notices, regulatory communications, licensing information, and other required correspondence can be properly directed to the licensee.
July 1 would be approximately three months after the move, October 1 approximately six months later, and December 31 almost nine months later; each exceeds the statutory 30-day reporting period.
The reporting obligation should not be confused with separate Article 21 requirements involving license renewals, administrative-action reporting, criminal-prosecution reporting, appointment changes, or continuing education. Each has its own statutory trigger and timing requirements.
The official Series 17-70 content outline expressly identifies Change of address - all addresses, including email - under Insurance Law §2134 and applicable regulations as required examination material.
Therefore, an April 1 office-address change must be reported within 30 days, making A - May 1 correct.
질문 # 71
Steve was involved in an automobile accident. He does NOT agree with the settlement offer by the insurer. Which common policy provision allows Steve to dispute the settlement offer?
정답：D
설명：
The correct answer is D - Arbitration. Arbitration is a dispute-resolution mechanism in which a disagreement is submitted to a neutral arbitrator or arbitration panel rather than being resolved solely through continued negotiations between the parties. Depending on the insurance coverage and policy provision involved, arbitration may be used to resolve specified disputes concerning entitlement to recovery, damages, or other issues identified in the contract or applicable law.
The question states that Steve rejects the insurer's settlement offer and asks which common policy provision provides a mechanism for disputing the settlement. Of the available choices, arbitration is the only recognized dispute-resolution provision.
A preferred settlement is not a standard policy dispute mechanism. A competitive bid is an estimating or procurement technique and does not determine contractual disputes between an insured and insurer. A market value clause concerns valuation methodology and does not itself create a formal procedure for resolving a contested settlement.
An adjuster must also distinguish arbitration from appraisal. Appraisal is commonly designed to resolve disputes solely over the amount of property loss, whereas arbitration can address disputes according to the scope established by the applicable contract or statute.
Series 17-70 reference topics: Auto Insurance - Claim Settlement, Arbitration, Appraisal, Loss Valuation, and Dispute Resolution.
질문 # 72
In order to provide coverage for land-based maritime employees, which endorsement MUST be added to the standard Workers' Compensation Policy?
정답：A
설명：
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.
질문 # 73
If a businessowner has a loss, which of the following will the insurer REQUIRE from the insured to assist in the business interruption portion of the claim?
정답：C
설명：
The correct answer is A. A business interruption or Business Income claim requires documentary evidence sufficient to establish what the business would probably have earned had the covered loss not occurred.
Financial records are therefore indispensable. Relevant documentation commonly includes profit-and-loss statements, sales records, payroll information, general ledgers, prior financial statements, income-tax returns, and associated tax schedules.
The standard Business Income coverage conditions authorize the insurer, as often as reasonably required, to examine the insured's books and records and make copies. This enables the adjuster to reconstruct historical income, determine continuing and noncontinuing expenses, identify trends, evaluate the period of restoration, and calculate the actual Business Income loss.
An examination under oath can also be required during a claim investigation, but it is not the best answer to what specifically assists with the business interruption calculation. Furniture and fixture inventories principally support physical property claims. An onsite inspection likewise assists investigation but does not provide the financial evidence needed to quantify lost earnings.
The official Series 17-70 outline specifically tests Business Income/Extra Expense, Business Interruption/time element, and the insured's duty to produce books and records after loss.
질문 # 74
An insurance contract is a contract of utmost good faith because the insurer relies on the truthfulness of the applicant and the insured relies on the insurer's promise to
정답：D
설명：
The correct answer is C - pay the claims. Insurance contracts traditionally incorporate the doctrine of utmost good faith, sometimes expressed by the Latin term uberrimae fidei. The insurance transaction depends heavily on truthful and complete disclosure because the applicant possesses material information concerning the risk, while the insured depends upon the insurer to perform its contractual obligations when an insured loss occurs.
The Series 17-70 official outline expressly identifies utmost good faith, representations, misrepresentations, warranties, concealment, fraud, waiver, and estoppel as legal concepts affecting insurance contracts.
The applicant's obligation is therefore to make truthful representations concerning matters material to underwriting and coverage. Correspondingly, after a covered loss and satisfaction of applicable policy conditions, the insurer must honor its contractual promise to indemnify or otherwise provide the benefits specified by the policy.
Option A is incomplete because simply issuing a policy does not capture the insurer's principal performance obligation after coverage attaches. Filing regulatory reports is a statutory or administrative responsibility and is not the reciprocal contractual promise on which the insured relies. Charging a fair premium is also not the defining reciprocal duty in the doctrine being tested.
Accordingly, the insured relies on the insurer's promise to pay valid covered claims according to the contract, making C correct.
질문 # 75
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