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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Ethics & Professional Responsibility | 15% | - Fiduciary duty, conflict of interest, and confidentiality - Fraud detection and reporting obligations - Fair claims handling standards and professional conduct |
| Topic 2: Insurance Fundamentals & General Principles | 15% | - Indemnity, subrogation, utmost good faith - Insurance contract elements and legal structure - Risk management and insurable interest |
| Topic 3: Claims Investigation & Adjusting Procedures | 20% | - Claim intake, notice of loss, and initial investigation - Loss valuation, damage assessment, and estimating - Settlement negotiation, reservation of rights, and denial procedures - Evidence gathering, coverage analysis, and policy interpretation |
| Topic 4: Property & Casualty Coverages | 25% | - Specialty lines — Inland Marine, Flood, Workers' Compensation, Crime - General Liability and Commercial General Liability - Commercial Property and Businessowners policies - Automobile coverages — Personal and Commercial - Dwelling and Homeowners policies |
| Topic 5: New York Insurance Law & Regulations | 25% | - State-specific policy provisions and mandatory endorsements - Unfair Claims Settlement Practices Act / Regulation 64 - Licensing requirements, eligibility, and examination rules - NY Insurance Law Articles and DFS regulations |
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질문 # 81
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：D
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 # 82
The Commercial Inland Marine Conditions Form, when attached to the Commercial Inland Marine Coverage Section, provides which of the following?
정답：A
설명：
The correct answer is A - the insured party's duties in the event of a loss. The Commercial Inland Marine Conditions Form (CM 00 01) supplies common conditions applicable to qualifying Commercial Inland Marine coverage forms. One of its central provisions is Duties in the Event of Loss.
Those duties include notifying law enforcement when a law may have been broken, giving the insurer prompt notice of the loss, describing the property involved, explaining how, when, and where the loss occurred, protecting property from further damage, preserving damaged property for examination when feasible, providing requested inventories and records, submitting to examination under oath when required, and cooperating with the insurer.
Option B is incorrect because the conditions form does not itself create a generic transportation-and- communication coverage grant. Specific inland marine coverage forms insure particular property classes or transportation exposures. Option C is too broad; coverage depends on the individual inland marine form and applicable exclusions. Option D is not the principal function of CM 00 01.
The official Series 17-70 outline explicitly includes CM 00 01 - Commercial Inland Marine Conditions within its Commercial Package Policy material.
Therefore, A is correct.
질문 # 83
What type of insurance covers goods in transit over water?
정답：A
설명：
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.
질문 # 84
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：C
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 # 85
Broad theft coverage may ONLY be endorsed on a Dwelling Policy if the
정답：A
설명：
The correct answer is C - the insured is the owner-occupant. The Broad Theft Coverage endorsement is designed to add theft protection to a Dwelling Policy for an eligible residence occupied by the named insured.
Broad theft coverage is distinguished from limited theft coverage primarily by its eligibility and its ability to provide both on-premises and qualifying off-premises theft coverage.
For a dwelling, condominium, or cooperative unit, broad theft coverage requires the residence to be owner occupied. Where the dwelling is non-owner occupied, a limited theft form is generally the appropriate theft endorsement.
Option A is therefore insufficient because being a landlord does not make the insured eligible for the broad theft endorsement when tenants occupy the insured dwelling. Vacancy, option B, is not an eligibility requirement and may instead trigger important restrictions in theft coverage. Option D also fails because ownership of personal property by a landlord does not substitute for the occupancy requirement.
New York's official Series 17-70 outline expressly identifies the Broad Theft Endorsement (DP 04 83) as a tested Dwelling Policy endorsement. New York DFS's prelicensing topic locator likewise identifies DP 04 83 as required dwelling-policy subject matter.
Therefore, owner-occupancy makes C correct.
질문 # 86
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