NY INDEPENDENT GENERAL ADJUSTER
SERIES 17 70 FINAL EXAM SCRIPT 2026
COMPLETE QUESTIONS WITH CORRECT
ANSWERS GRADED A+
⩥ Tammy Smith is helping out at the church Swiss Steak dinner and is
injured when hot coffee spills on her. What is the result of this injury
under New York workers compensation coverage?
Answer: Tammy is a volunteer and will be covered if the policy contains
the proper endorsement..
⩥ Low Yields and Poor Quality Crops are covered under a:
Answer: Multi-Peril Crop Policy
⩥ Who do uniform mandatory provisions tend to benefit?
Answer: They tend to benefit the insurer.
⩥ What can happen when an independent contractor is injured while
working and files a claim stating that they were actually an employee?
Answer: The insurance carrier can charge an additional premium for the
exposure.
,⩥ A customer has eaten seafood in a restaurant and became very ill.
What type of CGL claim is this?
Answer: Premises Liability.
⩥ What is the fundamental trade-off in workers compensation laws?
Answer: Employees are provided no-fault benefits for most work-related
injuries in exchange for the loss of the right to sue the employer for
damages.
⩥ The insured owns a two-family dwelling and rents out one of the
dwelling units. If a fire occurs what coverage could the insured look to
for his loss of rental income under the DP-3?
Answer: Fair Rental Value.
⩥ Which perils are broader under DP2 than DP3?
Answer: Explosion, Smoke, and Vehicles.
⩥ A trailer leased by the named insured from another business is a
covered auto under the insured's BAP. While the trailer is connected to a
covered truck-tractor owned by the insured, the BAP provides:
Answer: Primarily liability coverage on the trailer.
⩥ What does the CAN-SPAM act of 2003 require?
, Answer: Senders of commercial electronic mail may not mislead
recipients as to the source or content of such mail.
⩥ The general property flood coverage form for commercial property
will settle claims on the basis of:
Answer: Actual Cash Value.
⩥ Virtually all inland marine named perils forms include coverage for:
Answer: Fire and Lightening.
⩥ What kind of health insurance policy would be issued to indemnify
the owner when a critical employee of a business becomes disabled due
to injury or illness?
Answer: Key man disability.
⩥ Mary is a newly hired and unlicensed employee of an insurance
agency. She is being trained by the other staff members. A customer
comes in to pay their premiums and Mary collects the money. What are
the consequences?
Answer: None - Mary is not guilty of doing anything.
⩥ Would a claim under Employer's Liability Insurance for an employee
on business temporarily in France be covered?
SERIES 17 70 FINAL EXAM SCRIPT 2026
COMPLETE QUESTIONS WITH CORRECT
ANSWERS GRADED A+
⩥ Tammy Smith is helping out at the church Swiss Steak dinner and is
injured when hot coffee spills on her. What is the result of this injury
under New York workers compensation coverage?
Answer: Tammy is a volunteer and will be covered if the policy contains
the proper endorsement..
⩥ Low Yields and Poor Quality Crops are covered under a:
Answer: Multi-Peril Crop Policy
⩥ Who do uniform mandatory provisions tend to benefit?
Answer: They tend to benefit the insurer.
⩥ What can happen when an independent contractor is injured while
working and files a claim stating that they were actually an employee?
Answer: The insurance carrier can charge an additional premium for the
exposure.
,⩥ A customer has eaten seafood in a restaurant and became very ill.
What type of CGL claim is this?
Answer: Premises Liability.
⩥ What is the fundamental trade-off in workers compensation laws?
Answer: Employees are provided no-fault benefits for most work-related
injuries in exchange for the loss of the right to sue the employer for
damages.
⩥ The insured owns a two-family dwelling and rents out one of the
dwelling units. If a fire occurs what coverage could the insured look to
for his loss of rental income under the DP-3?
Answer: Fair Rental Value.
⩥ Which perils are broader under DP2 than DP3?
Answer: Explosion, Smoke, and Vehicles.
⩥ A trailer leased by the named insured from another business is a
covered auto under the insured's BAP. While the trailer is connected to a
covered truck-tractor owned by the insured, the BAP provides:
Answer: Primarily liability coverage on the trailer.
⩥ What does the CAN-SPAM act of 2003 require?
, Answer: Senders of commercial electronic mail may not mislead
recipients as to the source or content of such mail.
⩥ The general property flood coverage form for commercial property
will settle claims on the basis of:
Answer: Actual Cash Value.
⩥ Virtually all inland marine named perils forms include coverage for:
Answer: Fire and Lightening.
⩥ What kind of health insurance policy would be issued to indemnify
the owner when a critical employee of a business becomes disabled due
to injury or illness?
Answer: Key man disability.
⩥ Mary is a newly hired and unlicensed employee of an insurance
agency. She is being trained by the other staff members. A customer
comes in to pay their premiums and Mary collects the money. What are
the consequences?
Answer: None - Mary is not guilty of doing anything.
⩥ Would a claim under Employer's Liability Insurance for an employee
on business temporarily in France be covered?
