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| Section | Weight | Objectives |
|---|---|---|
| Commercial Property | - Commercial property coverage - Businessowners Policy - Commercial General Liability - Commercial Package Policy - Commercial property forms and endorsements | |
| New York Unfair Claim Settlement and Prohibited Practices | - New York cybersecurity regulation - Insurance fraud and false statements - Consumer privacy requirements - New York claim settlement laws and regulations - Terrorism Risk Insurance Act - Unfair claim settlement practices | |
| Commercial Package Policy | 38% | - Monoline versus package policies - Common policy conditions - First named insured - Components of a commercial policy - Common policy declarations |
| Insurance Principles and Concepts | - Moral hazards - Representations and misrepresentations - Warranties - Hazards - Physical hazards - Insurance principles and concepts - Insurance contracts - Insurable interest - Waiver and estoppel - Fraud - Morale hazards - Concealment | |
| Claims Adjustment Procedures | - Competitive estimates - Negotiation - Subrogation procedures - Draft authority - Reservation of rights letters - Settlement procedures - Advance payments - Releases - Appraisal - Alternative dispute resolution - Claims adjustment procedures - Execution of releases - Coverage problems - Mediation - Arbitration - Non-waiver agreements | |
| Other Property and Liability Coverages | - Inland marine - Aviation insurance - Surety and fidelity bonds - Crime insurance - Workers compensation - Personal automobile - Excess liability - Commercial automobile - Flood insurance - Ocean marine | |
| Insurance Regulation | - License renewal - License maintenance and duration - Licensing process - Fingerprinting - Licensing requirements - Bond requirements - Qualifications - Temporary adjuster permits | |
| Dwelling and Homeowners Insurance | - New York specific endorsements - Homeowners liability coverage - Personal liability supplement - Homeowners property coverage - Standard Fire Policy - Personal umbrella policies - Dwelling policies |
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質問 # 101
According to the conditions of Commercial General Liability (CGL), what are the insured's duties in the event of an occurrence, claim, or suit?
正解：B
解説：
The correct answer is B. Under the standard CGL condition titled Duties in the Event of Occurrence, Offense, Claim or Suit, the insured must see that the insurer is notified as soon as practicable of an occurrence or offense that may result in a claim. The notice should, to the extent possible, identify how, when, and where the occurrence happened, the names and addresses of injured persons and witnesses, and the nature and location of resulting injury or damage. New York Court of Appeals decisions reproduce this CGL condition substantially verbatim.
Option A is incorrect because the standard CGL does not establish a universal seven-day reporting deadline.
Option C is defective because cooperation is not discretionary; the insured must cooperate with investigation, settlement, and defense and provide assistance when requested. Option D is far too broad because the policy does not require reporting every business matter.
Once an actual claim or suit is received, additional duties apply, including promptly notifying the insurer and forwarding demands, notices, summonses, and legal papers.
The Series 17-70 outline specifically covers CGL conditions, occurrence versus claims-made coverage, investigation, and duties after loss or claim.
質問 # 102
A special limitation applies to business income losses under a Businessowners Policy (BOP). This limitation applies to losses resulting from loss or damage to
正解：C
解説：
The correct answer is D - electronic media and records. The Businessowners Policy contains a specific limitation affecting Business Income loss caused by direct physical loss of or damage to Electronic Media and Records. This category includes electronic data-processing, recording, or storage media, data stored on such media, and programming records used for electronic data processing or electronically controlled equipment.
Under standard BOP wording, Business Income attributable to damage to electronic media and records is limited to the longer of 60 consecutive days after the direct physical loss or the period reasonably necessary to repair, rebuild, or replace other property damaged by the same occurrence at the described premises.
The purpose is to prevent an open-ended Business Income period solely because restoration or recreation of data takes substantially longer than restoration of the physical equipment or other damaged property.
Security systems and outdoor signs can have their own property limitations, while foundations and retaining walls are addressed through other covered-property or limitation provisions. They are not the subject of this specific Business Income limitation.
The Series 17-70 outline requires knowledge of BOP Business Income, Extra Expense, covered property, limitations, exclusions, loss conditions, and definitions.
Therefore, D is correct.
質問 # 103
Fair rental value is found under which coverage part of a dwelling policy?
正解：C
解説：
The correct answer is C - Coverage D. Under the standard Dwelling Property Policy, Coverage D - Fair Rental Value protects the insured against qualifying loss of rental income when covered damage makes property rented or held for rental unfit for its normal use.
Fair Rental Value represents the fair rental amount of the affected portion of the described location, reduced by expenses that do not continue while the property is uninhabitable. Payment generally continues for the shortest reasonable period required to repair or replace the damaged property. Standard dwelling-policy analysis expressly identifies Fair Rental Value as Coverage D.
Coverage B concerns Other Structures, while Coverage C covers Personal Property. Coverage E is Additional Living Expense, which principally protects an owner-occupant when a covered loss causes necessary increases in living expenses. Fair Rental Value and Additional Living Expense are related time-element protections but serve different financial interests.
For adjusters, this distinction is important because a landlord's lost rental income must be evaluated separately from physical building damage. The adjuster must determine rental value, expenses that ceased, the covered cause of loss, and the reasonable restoration period.
Therefore, Fair Rental Value is found under Coverage D, making option C correct.
質問 # 104
A commercial umbrella policy provides coverage in which of the following situations?
正解：A
解説：
The correct answer is D. A commercial umbrella policy provides an additional layer of liability insurance above specified underlying policies, such as Commercial General Liability, Business Auto Liability, or Employers Liability. For a loss covered by both the underlying policy and umbrella, the umbrella generally begins responding after the applicable underlying limits have been exhausted by covered loss, subject to the umbrella's terms, limits, exclusions, and attachment requirements.
Travelers describes umbrella coverage as providing additional limits for types of losses covered by primary policies, while excess liability functions as another layer over primary protection. The Series 17-70 outline specifically tests commercial umbrella coverage, underlying limits, excess coverage, stand-alone coverage, and follow-form concepts.
Option A is incorrect because an umbrella ordinarily does not automatically drop down merely because an underlying insurer becomes insolvent; insolvency treatment depends on the umbrella's exact wording. Option B refers to a personal-auto exposure rather than the commercial liability structure asked about. Option C is incorrect because a loss still within the retained underlying limit is principally the responsibility of the underlying insurer or insured retention.
Thus, once the required underlying policy limits have been exhausted by covered claims, the umbrella layer can attach.
Therefore, D is correct.
質問 # 105
Broad theft coverage may ONLY be endorsed on a Dwelling Policy if the
正解：D
解説：
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.
質問 # 106
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