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| Section | Weight | Objectives |
|---|---|---|
| Other Property and Liability Coverages | - Flood insurance - Commercial automobile - Workers compensation - Excess liability - Crime insurance - Personal automobile - Inland marine - Aviation insurance - Ocean marine - Surety and fidelity bonds | |
| New York Unfair Claim Settlement and Prohibited Practices | - Consumer privacy requirements - New York claim settlement laws and regulations - Terrorism Risk Insurance Act - Unfair claim settlement practices - New York cybersecurity regulation - Insurance fraud and false statements | |
| Insurance Principles and Concepts | - Fraud - Insurance contracts - Concealment - Moral hazards - Warranties - Morale hazards - Physical hazards - Insurance principles and concepts - Waiver and estoppel - Representations and misrepresentations - Insurable interest - Hazards | |
| Commercial Package Policy | 38% | - Components of a commercial policy - Common policy declarations - Monoline versus package policies - First named insured - Common policy conditions |
| Claims Adjustment Procedures | - Execution of releases - Reservation of rights letters - Advance payments - Draft authority - Arbitration - Non-waiver agreements - Coverage problems - Subrogation procedures - Claims adjustment procedures - Releases - Alternative dispute resolution - Settlement procedures - Negotiation - Mediation - Competitive estimates - Appraisal | |
| Dwelling and Homeowners Insurance | - Personal liability supplement - Personal umbrella policies - Dwelling policies - Standard Fire Policy - Homeowners property coverage - New York specific endorsements - Homeowners liability coverage | |
| Insurance Regulation | - Fingerprinting - Qualifications - Licensing requirements - Temporary adjuster permits - Bond requirements - License renewal - Licensing process - License maintenance and duration | |
| Commercial Property | - Commercial Package Policy - Businessowners Policy - Commercial property forms and endorsements - Commercial property coverage - Commercial General Liability |
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NEW QUESTION # 37
Charges for transporting a person injured in an aircraft accident by ambulance are covered under
Answer: B
Explanation:
The correct answer is A. Aircraft Medical Payments coverage pays specified medical expenses resulting from bodily injury sustained in connection with a covered aircraft accident, generally without requiring the injured person first to establish negligence against the aircraft owner or operator.
AOPA's aviation-insurance guidance specifically states that aircraft Medical Payments coverage includes expenses such as ambulance, surgical, dental, and professional nursing services. It can also apply to injuries occurring while a person is entering or leaving the aircraft, subject to the policy's limits and conditions.
This protection is distinct from bodily injury liability coverage. Liability insurance responds when an insured is legally responsible for another person's bodily injury, whereas Medical Payments is designed to fund qualifying medical expenses on a limited no-fault basis.
Option B is incorrect because a deductible is the portion of a covered loss retained by the insured rather than a benefit paying medical expenses. Option C refers to the consideration paid for insurance coverage. Option D, fiduciary liability, protects against specified breaches of fiduciary duty and has no relationship to ambulance transportation following an aircraft accident.
The Series 17-70 curriculum includes specialized aviation insurance concepts together with medical-payment and liability distinctions.
Therefore, ambulance charges are properly classified under Medical Payments, making A correct.
NEW QUESTION # 38
Which liability policy is BEST suited to protect someone who manages private pensions and employee benefits plans?
Answer: B
Explanation:
The correct answer is C - Fiduciary Liability. Individuals who exercise discretionary authority or control over employee benefit plans, including private pension or retirement plans, can have fiduciary responsibilities under ERISA. Fiduciary liability insurance is specifically designed to address claims alleging breaches in those responsibilities, including improper plan administration, imprudent investment decisions, failure to follow plan documents, conflicts of interest, or other alleged fiduciary misconduct.
Travelers explains that persons who manage retirement or health plans or control plan assets may be fiduciaries and may face personal liability for breach of fiduciary duty. Chubb similarly identifies employee welfare and retirement plan fiduciary liability as a specialized exposure that conventional Directors and Officers coverage may not adequately address.
Errors and Omissions insurance addresses professional service errors more generally. Malpractice is associated primarily with designated professional practices such as medicine or law. Directors and Officers insurance principally protects corporate directors and officers against wrongful acts arising from organizational management, but it is not the dedicated coverage for ERISA fiduciary exposures.
The Series 17-70 outline expressly lists Fiduciary Liability under Specialty Liability Insurance.
Therefore, C provides the most directly applicable protection.
NEW QUESTION # 39
Which of the following is covered by the Causes of Loss - Special Form under commercial property?
Answer: C
Explanation:
The correct answer is D - Windstorm. The Commercial Property Causes of Loss - Special Form operates primarily on an open-perils basis. Rather than limiting coverage only to individually listed causes of loss, it generally covers risks of direct physical loss unless the cause is specifically excluded or limited by the form.
The Special Form specifically excludes smog. It also contains a Water exclusion that includes flood, surface water, waves, overflow of bodies of water, mudslide, and mudflow. Consequently, options A, B, and C describe causes specifically removed from the broad Special Form coverage grant.
Windstorm, by contrast, is not generally excluded by the standard Causes of Loss - Special Form. Direct physical damage caused by wind is therefore ordinarily covered unless another exclusion, limitation, endorsement, or property-specific provision applies.
This illustrates an essential adjusting distinction. Under a named-perils form, the insured must establish that the damage resulted from one of the listed covered causes. Under an open-perils Special Form, analysis begins with broad direct physical loss coverage and then determines whether an exclusion or limitation removes the loss.
The Series 17-70 outline specifically covers Commercial Property causes-of-loss forms, exclusions, and open- versus-named-peril concepts.
Therefore, D is correct.
NEW QUESTION # 40
If insurance is used to establish proof of financial responsibility to comply with the Motor Carrier Act of 1980, what endorsement can be used?
Answer: B
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 ยง387.15 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 # 41
An insurance licensee must do all of the following in order to renew the insurance license EXCEPT
Answer: D
Explanation:
For the New York Independent General Adjuster Series 17-70, the correct answer is D - complete the continuing education requirements. This is an important New York-specific distinction.
The official New York PSI licensing bulletin expressly states that Independent Adjusters are not subject to the continuing-education requirements that apply to resident agents, brokers, consultants, and public adjusters.
The bulletin separately lists Independent Adjusters among license classes exempt from CE.
Renewal itself is governed by Insurance Law ยง2108. Every adjuster's license expires on December 31 of even- numbered years and may be renewed for the ensuing two calendar years by filing the prescribed renewal application. The law also requires the applicable license fee when applying for renewal.
The wording of option A is imprecise because New York law specifically provides that a renewal application filed by December 31 of the expiration year allows the existing license to continue while the application is processed; the statute does not establish a universal "within 30 days" formulation as written. Nevertheless, the decisive Series 17-70 rule tested here is the CE exemption.
The official Series 17-70 outline specifically includes renewal under ยง2108(i) and (j).
Therefore, D is the verified Series 17-70 answer.
NEW QUESTION # 42
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