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NY INDEPENDENT GENERAL
ADJUSTER EXAM - SERIES 17-70
2026|CERTIFIED Q&A 2026
Does the National Flood Insurance Program provide coverage for losses caused by
water-main breakage? - correct-answer -No.
Which of the following is not required to obtain an adjuster license in New York?
A licensed NY attorney, adjuster of maritime losses, or CEO? - correct-answer -
None.
How many years must a business be operational in New York before it can qualify
as a self-insurer for workers compensation? - correct-answer -3 Years.
What coverage does the Difference in Conditions form provide? - correct-answer
-Gaps left by other property insurance forms.
What would most likely be the effect of an insured's breach of warranty? -
correct-answer -The insurer might void the entire policy.
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Can coverage on a Commercial Property Insurance plan be written on a
replacement cost basis for building, personal property of the insured and
property of others? - correct-answer -Yes.
The disability income rider which protects against the erosion of purchasing
power for fixed disability benefits is known as the: - correct-answer -Cost of Living
Adjustment rider (COLA)
Which type of Crop Insurance Policy covers the entire farm instead of an
individual crop? - correct-answer -Adjusted Gross Revenue (AGR)
Under the CGL Policy, tangible property other than "your property" or "your
work" that cannot be used or is less useful due to your faulty work or your work
not completed on time is called: - correct-answer -Impaired Property.
What type of coverage would a heating and cooling contractor need when work
has been done on a newly renovated building but not yet accepted by the owner?
- correct-answer -Installation Floater.
In a standard workers compensation policy, when would employer's liability
coverage apply? - correct-answer -For employee-injury claims that are outside
the scope of the workers compensation law.
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Which of the following is not an "additional coverage" under homeowners liability
Section II coverage? - correct-answer -Payments made by the insurer to settle a
claim.
Symbol 2 is entered for one of the physical damage coverages in the declarations
of the BAP. The insured buys an additional auto after the policy begins. The newly
acquired auto will become a covered auto: - correct-answer -Automatically.
What is a requirement that a professional association must meet to obtain group
insurance? - correct-answer -It must have been in existence for at least two years.
Third-party provisions allow for an entity that lends money to an insured to
purchase property, to be named on the insurance for that property. In property
insurance, this is known as a "standard mortgage clause." In auto insurance, it is
known as: - correct-answer -Loss payable clause.
Technician A says that when acoustical foam is removed during the repair, it is not
necessary to replace it. Technician B says the acoustical materials should be
replaced with structural foam to maintain structural sound requirements. Who is
right? - correct-answer -Neither.
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The insured carries auto insurance in New York and has purchased the
Supplementary Uninsured Motorist Coverage (SUM). This coverage: - correct-
answer -Replaces the statutory uninsured motorist coverage.
Substitute services will provide: - correct-answer -$25 per day for one year.
Entering into any agreement to commit, or by any concerted action committing,
any act resulting in or tending to result in unreasonable restraint of the business
of insurance is an example of: - correct-answer -Coercion.
An employee has been asked to use his own personal vehicle to perform certain
tasks on behalf of his employer. What coverage is used under the business auto
policy to protect the employer for lawsuits when the employee has an accident
that causes legal action against the employer? - correct-answer -Employers non-
ownership coverage.
What is not specifically considered an unfair trade practice under the insurance
code of most states? - correct-answer -Appointment of producers by
unauthorized insurers.
Are costs to recall products that may be defective considered "your product"
under the CGL policy? - correct-answer -No.
NY INDEPENDENT GENERAL
ADJUSTER EXAM - SERIES 17-70
2026|CERTIFIED Q&A 2026
Does the National Flood Insurance Program provide coverage for losses caused by
water-main breakage? - correct-answer -No.
Which of the following is not required to obtain an adjuster license in New York?
A licensed NY attorney, adjuster of maritime losses, or CEO? - correct-answer -
None.
How many years must a business be operational in New York before it can qualify
as a self-insurer for workers compensation? - correct-answer -3 Years.
What coverage does the Difference in Conditions form provide? - correct-answer
-Gaps left by other property insurance forms.
What would most likely be the effect of an insured's breach of warranty? -
correct-answer -The insurer might void the entire policy.
,2|Page
Can coverage on a Commercial Property Insurance plan be written on a
replacement cost basis for building, personal property of the insured and
property of others? - correct-answer -Yes.
The disability income rider which protects against the erosion of purchasing
power for fixed disability benefits is known as the: - correct-answer -Cost of Living
Adjustment rider (COLA)
Which type of Crop Insurance Policy covers the entire farm instead of an
individual crop? - correct-answer -Adjusted Gross Revenue (AGR)
Under the CGL Policy, tangible property other than "your property" or "your
work" that cannot be used or is less useful due to your faulty work or your work
not completed on time is called: - correct-answer -Impaired Property.
What type of coverage would a heating and cooling contractor need when work
has been done on a newly renovated building but not yet accepted by the owner?
- correct-answer -Installation Floater.
In a standard workers compensation policy, when would employer's liability
coverage apply? - correct-answer -For employee-injury claims that are outside
the scope of the workers compensation law.
,3|Page
Which of the following is not an "additional coverage" under homeowners liability
Section II coverage? - correct-answer -Payments made by the insurer to settle a
claim.
Symbol 2 is entered for one of the physical damage coverages in the declarations
of the BAP. The insured buys an additional auto after the policy begins. The newly
acquired auto will become a covered auto: - correct-answer -Automatically.
What is a requirement that a professional association must meet to obtain group
insurance? - correct-answer -It must have been in existence for at least two years.
Third-party provisions allow for an entity that lends money to an insured to
purchase property, to be named on the insurance for that property. In property
insurance, this is known as a "standard mortgage clause." In auto insurance, it is
known as: - correct-answer -Loss payable clause.
Technician A says that when acoustical foam is removed during the repair, it is not
necessary to replace it. Technician B says the acoustical materials should be
replaced with structural foam to maintain structural sound requirements. Who is
right? - correct-answer -Neither.
, 4|Page
The insured carries auto insurance in New York and has purchased the
Supplementary Uninsured Motorist Coverage (SUM). This coverage: - correct-
answer -Replaces the statutory uninsured motorist coverage.
Substitute services will provide: - correct-answer -$25 per day for one year.
Entering into any agreement to commit, or by any concerted action committing,
any act resulting in or tending to result in unreasonable restraint of the business
of insurance is an example of: - correct-answer -Coercion.
An employee has been asked to use his own personal vehicle to perform certain
tasks on behalf of his employer. What coverage is used under the business auto
policy to protect the employer for lawsuits when the employee has an accident
that causes legal action against the employer? - correct-answer -Employers non-
ownership coverage.
What is not specifically considered an unfair trade practice under the insurance
code of most states? - correct-answer -Appointment of producers by
unauthorized insurers.
Are costs to recall products that may be defective considered "your product"
under the CGL policy? - correct-answer -No.
