Social Sciences Business Insurance
NY Independent General Adjuster Exam - Series 17-70
New York Independent Adjuster Exam 17-70 2026
Structured Study Resource with Practice
Questions, Answers, and Insurance Law
Rationales
Dram Shop Liability refers to: Liquor Law Liability.
,The insured has suffered a covered loss under his DP-3 Neglect.
dwelling form. He fails to protect the property from
further loss. The additional loss that occurs as a result of
his inactions may be denied because of what clause in
the policy?
To be eligible for the New York assigned risk auto plan a Hold a valid driver's license.
person must:
Any insurance adjuster whose license has been revoked One Year.
for cause will not be entitled to apply for any other
insurance license in New York until at least:
A typical benefit design for a long term care policy does Conditionally or optionally renewability feature.
not include a:
In New York the workers compensation program is 30 Days.
administered by the Workers Compensation Board which
establishes guidelines for the program. Notice of injury or
death to a worker is required to be submitted to the
employer within what period of time?
A common carrier is not held liable for the loss of a An Act of God.
shipper's goods when the loss results from:
If one is found guilty of federal insurance fraud, who can Only an insurance regulatory official.
permit the guilty individual to return to the insurance
business?
When is a passenger first covered under an aircraft When Entering the Aircraft.
policy?
If an insured takes precautionary measures to protect $1,000 if the flood is imminent and the property is in danger of flooding.
property from flood damage such as creating a retaining
wall of sand bags, how much coverage if any, will be
provided by a flood policy?
Which Commercial Forms would cover sinkhole Basic, Broad, and Special.
collapse?
______ is a movement allowed by certain joints of the Flexion
skeleton that decreases the angle between two adjoining
bones.
The listing of the perils covered is found in which part of Insuring Agreement.
a homeowner policy?
If a dog owned by a customer is injured in the parking lot No. The dog is property and would be consider property damage.
of a store, is that considered bodily injury under liability
coverage?
, The Superintendent of Insurance may approve the Assume the relicensing is approved.
employment, appointment or participation of any person
whose license has been revoked. Karen Jones had her
license revoked and filed an application for relicensing
and has waited over 120 days without a response from the
Insurance Department. What should or can she do?
Mr. Vickers was in a hurry to catch a plane. He parks his Mr. Vickers comprehensive coverage.
car in the parking garage at the airport and leaves the
keys in the ignition. When he returns he finds that his car
has been stolen. Later the car was discovered with severe
collision damage. The airport carries Garagekeeper's
Legal Liability coverage and Mr. Vickers carries Liability
and Comprehensive coverage on his auto. What
coverage would apply?
An automobile is polluting the environment. What engine Catalytic Converter Malfunction.
component could be the primary cause?
Under the dwelling policy, DP2 or D3, what is the 20%
maximum amount of Coverage A that would be paid for
additional living expenses?
Workers compensation policies also include employer's Yes.
liability coverage. If any employer fails to maintain the
equipment and an employee is injured, would it be
covered under this coverage?
Fidelity bonds are typically written to be effective for a: Continuous term without an expiration date.
One purpose of a deductible is to: Eliminate small claims.
If the insured has failed to pay the premium for a worker A 10 day notice.
compensation policy issued in New York, how many days
notice of cancellation must be sent to the insured?
A ship owner wanting coverage in case crew members Protection and Indemnity
bring liability suits for injuries sustained while working
would purchase:
Under workers compensation in New York, which of the Premium Discount.
following does not raise the premium based on it being a
proportion of the charged premium?
What is an example of a moral hazard? Embezzlement
If an insured is responsible for damaging a client's million Yes.
dollar shipment of products, would this coverage be
covered by the commercial umbrella liability coverage
under BI and PD coverage?
NY Independent General Adjuster Exam - Series 17-70
New York Independent Adjuster Exam 17-70 2026
Structured Study Resource with Practice
Questions, Answers, and Insurance Law
Rationales
Dram Shop Liability refers to: Liquor Law Liability.
,The insured has suffered a covered loss under his DP-3 Neglect.
dwelling form. He fails to protect the property from
further loss. The additional loss that occurs as a result of
his inactions may be denied because of what clause in
the policy?
To be eligible for the New York assigned risk auto plan a Hold a valid driver's license.
person must:
Any insurance adjuster whose license has been revoked One Year.
for cause will not be entitled to apply for any other
insurance license in New York until at least:
A typical benefit design for a long term care policy does Conditionally or optionally renewability feature.
not include a:
In New York the workers compensation program is 30 Days.
administered by the Workers Compensation Board which
establishes guidelines for the program. Notice of injury or
death to a worker is required to be submitted to the
employer within what period of time?
A common carrier is not held liable for the loss of a An Act of God.
shipper's goods when the loss results from:
If one is found guilty of federal insurance fraud, who can Only an insurance regulatory official.
permit the guilty individual to return to the insurance
business?
When is a passenger first covered under an aircraft When Entering the Aircraft.
policy?
If an insured takes precautionary measures to protect $1,000 if the flood is imminent and the property is in danger of flooding.
property from flood damage such as creating a retaining
wall of sand bags, how much coverage if any, will be
provided by a flood policy?
Which Commercial Forms would cover sinkhole Basic, Broad, and Special.
collapse?
______ is a movement allowed by certain joints of the Flexion
skeleton that decreases the angle between two adjoining
bones.
The listing of the perils covered is found in which part of Insuring Agreement.
a homeowner policy?
If a dog owned by a customer is injured in the parking lot No. The dog is property and would be consider property damage.
of a store, is that considered bodily injury under liability
coverage?
, The Superintendent of Insurance may approve the Assume the relicensing is approved.
employment, appointment or participation of any person
whose license has been revoked. Karen Jones had her
license revoked and filed an application for relicensing
and has waited over 120 days without a response from the
Insurance Department. What should or can she do?
Mr. Vickers was in a hurry to catch a plane. He parks his Mr. Vickers comprehensive coverage.
car in the parking garage at the airport and leaves the
keys in the ignition. When he returns he finds that his car
has been stolen. Later the car was discovered with severe
collision damage. The airport carries Garagekeeper's
Legal Liability coverage and Mr. Vickers carries Liability
and Comprehensive coverage on his auto. What
coverage would apply?
An automobile is polluting the environment. What engine Catalytic Converter Malfunction.
component could be the primary cause?
Under the dwelling policy, DP2 or D3, what is the 20%
maximum amount of Coverage A that would be paid for
additional living expenses?
Workers compensation policies also include employer's Yes.
liability coverage. If any employer fails to maintain the
equipment and an employee is injured, would it be
covered under this coverage?
Fidelity bonds are typically written to be effective for a: Continuous term without an expiration date.
One purpose of a deductible is to: Eliminate small claims.
If the insured has failed to pay the premium for a worker A 10 day notice.
compensation policy issued in New York, how many days
notice of cancellation must be sent to the insured?
A ship owner wanting coverage in case crew members Protection and Indemnity
bring liability suits for injuries sustained while working
would purchase:
Under workers compensation in New York, which of the Premium Discount.
following does not raise the premium based on it being a
proportion of the charged premium?
What is an example of a moral hazard? Embezzlement
If an insured is responsible for damaging a client's million Yes.
dollar shipment of products, would this coverage be
covered by the commercial umbrella liability coverage
under BI and PD coverage?
