NY Independent General Adjuster Exam -
Series 17-70 EXAM 2025/2026 Exam –
Verified Questions and Answers for an A
Grade
Dram Shop Liability refers to: - CORRECT ANSWERS 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? - CORRECT ANSWERS Neglect.
To be eligible for the New York assigned risk auto plan a person must: - CORRECT ANSWERS
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Any insurance adjuster whose license has been revoked for cause will not be entitled to apply for any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: - CORRECT ANSWERS One
Year.
A typical benefit design for a long term care policy does not include a: - CORRECT ANSWERS
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? - CORRECT ANSWERS
30 Days.
A common carrier is not held liable for the loss of a shipper's goods when the loss results from: -
CORRECT ANSWERS 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? - CORRECT ANSWERS Only an insurance regulatory official.
When is a passenger first covered under an aircraft policy? - CORRECT ANSWERS
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? - CORRECT
ANSWERS $1,000 if the flood is imminent and the property is in danger of
flooding.
Which Commercial Forms would cover sinkhole collapse? - CORRECT ANSWERS
Basic, Broad, and Special.
______ is a movement allowed by certain joints of the skeleton that decreases the angle between two
adjoining bones. - CORRECT ANSWERS Flexion
The listing of the perils covered is found in which part of a homeowner policy? - CORRECT ANSWERS
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? - CORRECT ANSWERS 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? - CORRECT ANSWERS 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? -
CORRECT ANSWERS Mr. Vickers comprehensive coverage.
An automobile is polluting the environment. What engine component could be the primary cause? -
CORRECT ANSWERS 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? - CORRECT ANSWERS 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? -
CORRECT ANSWERS Yes.
Fidelity bonds are typically written to be effective for a: - CORRECT ANSWERS
Continuous term without an expiration date.
One purpose of a deductible is to: - CORRECT ANSWERS 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? - CORRECT ANSWERS
A 10 day notice.
A ship owner wanting coverage in case crew members bring liability suits for injuries sustained while
working would purchase: - CORRECT ANSWERS 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? - CORRECT ANSWERS Premium
Discount.
Series 17-70 EXAM 2025/2026 Exam –
Verified Questions and Answers for an A
Grade
Dram Shop Liability refers to: - CORRECT ANSWERS 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? - CORRECT ANSWERS Neglect.
To be eligible for the New York assigned risk auto plan a person must: - CORRECT ANSWERS
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: - CORRECT ANSWERS One
Year.
A typical benefit design for a long term care policy does not include a: - CORRECT ANSWERS
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? - CORRECT ANSWERS
30 Days.
A common carrier is not held liable for the loss of a shipper's goods when the loss results from: -
CORRECT ANSWERS 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? - CORRECT ANSWERS Only an insurance regulatory official.
When is a passenger first covered under an aircraft policy? - CORRECT ANSWERS
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? - CORRECT
ANSWERS $1,000 if the flood is imminent and the property is in danger of
flooding.
Which Commercial Forms would cover sinkhole collapse? - CORRECT ANSWERS
Basic, Broad, and Special.
______ is a movement allowed by certain joints of the skeleton that decreases the angle between two
adjoining bones. - CORRECT ANSWERS Flexion
The listing of the perils covered is found in which part of a homeowner policy? - CORRECT ANSWERS
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? - CORRECT ANSWERS 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? - CORRECT ANSWERS 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? -
CORRECT ANSWERS Mr. Vickers comprehensive coverage.
An automobile is polluting the environment. What engine component could be the primary cause? -
CORRECT ANSWERS 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? - CORRECT ANSWERS 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? -
CORRECT ANSWERS Yes.
Fidelity bonds are typically written to be effective for a: - CORRECT ANSWERS
Continuous term without an expiration date.
One purpose of a deductible is to: - CORRECT ANSWERS 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? - CORRECT ANSWERS
A 10 day notice.
A ship owner wanting coverage in case crew members bring liability suits for injuries sustained while
working would purchase: - CORRECT ANSWERS 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? - CORRECT ANSWERS Premium
Discount.
