NEW YORK INDEPENDENT GENERAL INSURANCE ADJUSTER
PRACTICE EXAMINATION – SERIES 17-70 MOCK TEST 2026
Dram Shop Liability refers to: -ANSWER-Liquor Law Liability.
The insured has suffered a covered loss under his DP-3 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? -ANSWER-Neglect.
To be eligible for the New York assigned risk auto plan a person must: -ANSWER-Hold a valid
driver's license.
Any insurance adjuster whose license has been revoked for cause will not be entitled to
apply for any other insurance license in New York until at least: -ANSWER-One Year.
A typical benefit design for a long term care policy does not include a: -ANSWER-
Conditionally or optionally renewability feature.
In New York the workers compensation program is 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? -
ANSWER-30 Days.
A common carrier is not held liable for the loss of a shipper's goods when the loss results
from: -ANSWER-An Act of God.
If one is found guilty of federal insurance fraud, who can permit the guilty individual to
return to the insurance business? -ANSWER-Only an insurance regulatory official.
When is a passenger first covered under an aircraft policy? -ANSWER-When Entering the
Aircraft.
,If an insured takes precautionary measures to protect 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? -ANSWER-$1,000 if the flood is imminent and the property is in danger of flooding.
Which Commercial Forms would cover sinkhole collapse? -ANSWER-Basic, Broad, and
Special.
______ is a movement allowed by certain joints of the skeleton that decreases the angle
between two adjoining bones. -ANSWER-Flexion
The listing of the perils covered is found in which part of a homeowner policy? -ANSWER-
Insuring Agreement.
If a dog owned by a customer is injured in the parking lot of a store, is that considered bodily
injury under liability coverage? -ANSWER-No. The dog is property and would be consider
property damage.
The Superintendent of Insurance may approve the 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participation of any person whose license has been revoked.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? -ANSWER-Assume
the relicensing is approved.
Mr. Vickers was in a hurry to catch a plane. He parks his 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? -ANSWER-Mr. Vickers comprehensive
coverage.
An automobile is polluting the environment. What engine component could be the primary
cause? -ANSWER-Catalytic Converter Malfunction.
, Under the dwelling policy, DP2 or D3, what is the maximum amount of Coverage A that
would be paid for additional living expenses? -ANSWER-20%
Workers compensation policies also include employer's liability coverage. If any employer
fails to maintain the equipment and an employee is injured, would it be covered under this
coverage? -ANSWER-Yes.
Fidelity bonds are typically written to be effective for a: -ANSWER-Continuous term without
an expiration date.
One purpose of a deductible is to: -ANSWER-Eliminate small claims.
If the insured has failed to pay the premium for a worker compensation policy issued in New
York, how many days notice of cancellation must be sent to the insured? -ANSWER-A 10 day
notice.
A ship owner wanting coverage in case crew members bring liability suits for injuries
sustained while working would purchase: -ANSWER-Protection and Indemnity
Under workers compensation in New York, which of the following does not raise the
premium based on it being a proportion of the charged premium? -ANSWER-Premium
Discount.
What is an example of a moral hazard? -ANSWER-Embezzlement
If an insured is responsible for damaging a client's million dollar shipment of products,
would this coverage be covered by the commercial umbrella liability coverage under BI and
PD coverage? -ANSWER-Yes.
A homeowner with personal property insured for $60,000 had a fire which destroyed
everything. The total value of the personal property at the time of the loss was only $50,000.
PRACTICE EXAMINATION – SERIES 17-70 MOCK TEST 2026
Dram Shop Liability refers to: -ANSWER-Liquor Law Liability.
The insured has suffered a covered loss under his DP-3 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? -ANSWER-Neglect.
To be eligible for the New York assigned risk auto plan a person must: -ANSWER-Hold a valid
driver's license.
Any insurance adjuster whose license has been revoked for cause will not be entitled to
apply for any other insurance license in New York until at least: -ANSWER-One Year.
A typical benefit design for a long term care policy does not include a: -ANSWER-
Conditionally or optionally renewability feature.
In New York the workers compensation program is 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? -
ANSWER-30 Days.
A common carrier is not held liable for the loss of a shipper's goods when the loss results
from: -ANSWER-An Act of God.
If one is found guilty of federal insurance fraud, who can permit the guilty individual to
return to the insurance business? -ANSWER-Only an insurance regulatory official.
When is a passenger first covered under an aircraft policy? -ANSWER-When Entering the
Aircraft.
,If an insured takes precautionary measures to protect 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? -ANSWER-$1,000 if the flood is imminent and the property is in danger of flooding.
Which Commercial Forms would cover sinkhole collapse? -ANSWER-Basic, Broad, and
Special.
______ is a movement allowed by certain joints of the skeleton that decreases the angle
between two adjoining bones. -ANSWER-Flexion
The listing of the perils covered is found in which part of a homeowner policy? -ANSWER-
Insuring Agreement.
If a dog owned by a customer is injured in the parking lot of a store, is that considered bodily
injury under liability coverage? -ANSWER-No. The dog is property and would be consider
property damage.
The Superintendent of Insurance may approve the 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? -ANSWER-Assume
the relicensing is approved.
Mr. Vickers was in a hurry to catch a plane. He parks his 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? -ANSWER-Mr. Vickers comprehensive
coverage.
An automobile is polluting the environment. What engine component could be the primary
cause? -ANSWER-Catalytic Converter Malfunction.
, Under the dwelling policy, DP2 or D3, what is the maximum amount of Coverage A that
would be paid for additional living expenses? -ANSWER-20%
Workers compensation policies also include employer's liability coverage. If any employer
fails to maintain the equipment and an employee is injured, would it be covered under this
coverage? -ANSWER-Yes.
Fidelity bonds are typically written to be effective for a: -ANSWER-Continuous term without
an expiration date.
One purpose of a deductible is to: -ANSWER-Eliminate small claims.
If the insured has failed to pay the premium for a worker compensation policy issued in New
York, how many days notice of cancellation must be sent to the insured? -ANSWER-A 10 day
notice.
A ship owner wanting coverage in case crew members bring liability suits for injuries
sustained while working would purchase: -ANSWER-Protection and Indemnity
Under workers compensation in New York, which of the following does not raise the
premium based on it being a proportion of the charged premium? -ANSWER-Premium
Discount.
What is an example of a moral hazard? -ANSWER-Embezzlement
If an insured is responsible for damaging a client's million dollar shipment of products,
would this coverage be covered by the commercial umbrella liability coverage under BI and
PD coverage? -ANSWER-Yes.
A homeowner with personal property insured for $60,000 had a fire which destroyed
everything. The total value of the personal property at the time of the loss was only $50,000.
