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

Section	Weight	Objectives
Topic 1: Insurance Regulation	6%	- License Maintenance 1. Assumed Names and Reporting 2. Renewal and Changes - Disciplinary Actions 1. Suspension and Revocation 2. Penalties and Cease and Desist Orders - Claim Settlement Regulations 1. Unfair Claim Practices 2. Consumer Privacy - Licensing Requirements 1. Qualifications and Application 2. Bond and Fingerprinting
Topic 2: Commercial Package Policy	38%	- Transportation Coverages 1. Common Carrier Legal Liability 2. Motor Truck Cargo 3. Transit Coverage - Commercial Policy Components 1. Common Policy Declarations 2. Common Policy Conditions - Commercial Inland Marine 1. Jewelers Block, Signs and Electronic Data Processing 2. Accounts Receivable and Valuable Papers 3. Contractors Equipment and Installation Floaters 4. Marine Definition and Conditions
Topic 3: Personal Inland Marine	13%	- Personal Effects Floater 1. Coverage and Loss Settlement - Personal Property Floater 1. Coverage and Eligible Property - Personal Articles Floater 1. Scheduled Personal Property
Topic 4: Adjusting Losses	11%	- Role of the Adjuster 1. Independent, Staff and Public Adjusters 2. Duties and Responsibilities - Property and Liability Losses 1. Coverage Verification and Loss Evaluation 2. Estimates, Depreciation and Salvage - Claim Investigation 1. Evidence and Witness Statements 2. Claim Reporting and Documentation - Claim Settlement 1. Subrogation, Appraisal and Arbitration 2. Negotiation and Releases
Topic 5: Insurance Basics	6%	- Policy Structure 1. Subrogation, Salvage and Loss Settlement 2. Declarations, Conditions and Exclusions 3. Limits, Deductibles and Other Insurance - Insurance Contracts 1. Elements and Characteristics 2. Representations, Warranties and Concealment - Insurance Principles 1. Causes and Valuation of Loss 2. Insurable Interest and Indemnity 3. Hazards, Negligence and Liability
Topic 6: Accident and Health Insurance Basics	6%	- Limited Policies 1. Accident-Only and Specified Disease 2. Hospital, Dental and Vision Coverage - Accident and Health Claims 1. Notice and Proof of Loss 2. Investigation and Payment of Claims - Types of Coverage 1. Disability, Medical and Long-Term Care 2. Accidental Injury and Sickness
Topic 7: 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
Topic 8: Homeowners Policy	10%	- Property Coverages 1. Loss of Use and Additional Coverages 2. Dwelling, Other Structures and Personal Property - 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 - Selected Endorsements 1. Earthquake, Identity Fraud and Home Business 2. New York Special Provisions
Topic 9: Medical Reports and Terminology	4%	- Injuries, Diseases and Medical Tests 1. Diagnostic Tests 2. Common Injuries and Diseases - Medical Terminology 1. Medical Specialties 2. Prefixes, Suffixes and Abbreviations - Basic Human Anatomy 1. Cardiovascular and Abdominal Systems 2. Skeletal, Nervous and Respiratory Systems

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q69-Q74):

NEW QUESTION # 69
A limit of insurance that determines the maximum amount that can be paid out annually is

A. an aggregate limit.
B. a face amount.
C. an occurrence limit.
D. a single limit.

Answer: A

Explanation:
The correct answer is C - an aggregate limit. An aggregate limit establishes the maximum amount an insurer will pay for all covered claims subject to that aggregate during the applicable policy period, ordinarily one year. The Hartford describes an aggregate limit as the maximum amount an insurer pays for all claims during the policy period.
This must be distinguished from an occurrence limit, which caps the amount payable for one occurrence. For example, a liability policy might provide a $1 million each-occurrence limit and a $2 million general aggregate. Multiple individually covered occurrences can therefore consume the aggregate until the total available limit has been exhausted.
A single limit generally refers to one combined limit rather than separate limits for different components, such as bodily injury and property damage. "Face amount" is terminology more commonly associated with life insurance or other contracts stating a specified benefit amount and does not describe an annual liability ceiling.
The official Series 17-70 outline specifically tests policy limits, per-occurrence limits, per-person limits, general and products/completed-operations aggregate limits, single/split limits, and combined single limits.
Thus, when the question asks for the limit controlling the maximum cumulative payout during the annual policy period, aggregate limit is the precise insurance term.
Therefore, C is correct.

NEW QUESTION # 70
If insurance is used to establish proof of financial responsibility to comply with the Motor Carrier Act of 1980, what endorsement can be used?

A. Additional insured-lessor endorsement.
B. Individual named insured endorsement.
C. MCS-90 endorsement.
D. Mobile equipment endorsement.

Answer: C

Explanation:
The correct answer is B - MCS-90 endorsement. The MCS-90 is the federally prescribed endorsement attached to a motor carrier's liability insurance policy to demonstrate compliance with applicable public- liability financial-responsibility requirements.
The Federal Motor Carrier Safety Administration identifies Form MCS-90 as the Endorsement for Motor Carrier Policies of Insurance for Public Liability under Sections 29 and 30 of the Motor Carrier Act of 1980.
FMCSA further states that the endorsement is required under 49 CFR §387.15 for motor carriers subject to the applicable federal financial-responsibility rules.
The MCS-90 is attached to the carrier's liability policy rather than to a specific individual vehicle. Its purpose is to assure payment, within the federally required limits, of qualifying final judgments for public liability arising from negligence in the operation, maintenance, or use of covered motor vehicles.
The Additional Insured-Lessor endorsement deals with leased-vehicle relationships. The Individual Named Insured endorsement addresses particular personal-type coverage needs under commercial auto forms. The Mobile Equipment endorsement addresses equipment that otherwise falls outside ordinary automobile classifications.
The Series 17-70 commercial-auto material includes Motor Carrier coverage, federal financial responsibility, endorsements, liability limits, and commercial automobile forms.
Therefore, MCS-90, option B, is the required endorsement.

NEW QUESTION # 71
The liability section of a businessowners policy (BOP) covers which of the following?

A. Customer injured on the business premises.
B. Medical payments for injured employee.
C. Bodily injury suffered in an automobile accident.
D. Roof damaged by a windstorm.

Answer: A

NEW QUESTION # 72
Which section of an insurance policy clarifies the meanings of certain terms used in the policy?

A. Conditions.
B. Definitions.
C. Declarations.
D. Insuring agreements.

Answer: B

Explanation:
The correct answer is D - Definitions. The Definitions section establishes the contractual meaning of important words and phrases used throughout an insurance policy. Defined terms often appear in quotation marks, boldface, or another distinctive format and must be interpreted according to the policy definition rather than solely according to ordinary conversational meaning. This is critical for adjusters because coverage determinations frequently depend on whether a person, property, event, or circumstance satisfies a defined term such as "insured," "occurrence," "bodily injury," "property damage," "residence premises," or "your covered auto." The Insuring Agreement states the insurer's basic promise to provide coverage when specified requirements are met. The Declarations identify policy-specific information such as the named insured, policy period, insured property, selected coverages, limits, and deductibles. The Conditions establish contractual rules and duties governing matters such as notice of loss, cooperation, cancellation, and claim handling.
An adjuster should therefore review definitions together with the coverage grant, exclusions, and conditions before reaching a coverage decision. A term defined within the contract controls the interpretation of that term for that policy.
Series 17-70 reference topics: Insurance Basics - Policy Structure, Definitions, Insuring Agreement, Declarations, Conditions, and Interpretation of Policy Language.

NEW QUESTION # 73
Damage caused to a farmer's crops during an emergency aircraft landing would be covered by

A. deductible.
B. property damage liability.
C. farm liability.
D. products liability.

Answer: B

Explanation:
The correct verified answer is D - Property damage liability. The farmer's crops constitute tangible property belonging to another party from the aircraft operator's perspective. If an insured aircraft makes an emergency landing and physically damages those crops, the applicable third-party aviation exposure is property damage liability: the aircraft owner or operator may become legally obligated to compensate the farmer for physical damage to the farmer's property.
This must not be confused with farm liability. Farm liability protects a farm insured against claims alleging bodily injury or property damage for which the farm insured becomes legally liable. It is liability insurance, not first-party physical damage coverage for the farmer's own crops. The official Series 17-70 outline describes Farm Coverage H as Bodily Injury and Property Damage Liability, reinforcing this third-party distinction.
Products liability is unrelated because the loss does not arise from a defective or harmful product. A deductible is simply the portion of an insured loss retained by the insured and is not a category of coverage.
Most importantly, the official Series 17-70 blueprint separately identifies Aircraft Liability Coverages, including property damage liability, as tested subject matter.
Accordingly, D, not farm liability, is the technically correct answer for the scenario presented.

NEW QUESTION # 74
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