NY P&C License Exam - Agents/Brokers questions with correct answers

Does HO insurance automatically provide for a detached garage? If so, how much? CORRECT ANSWER Yes, 10% of the Coverage A limit. Which form includes coverage for Internal Explosion? CORRECT ANSWER This coverage is included on ALL forms. Subrogation rights do not apply to...? CORRECT ANSWER Physical Damage coverage Under the Business Autos coverage form, how are "covered autos" identified? CORRECT ANSWER "covered autos" are identified by a Symbol in the Declarations of a Business Autos coverage form. What is the provision in a health insurance policy that ensures that the insurer cannot refer to any document that is not contained in the contract? CORRECT ANSWER Entire Contract Clause Why don't Commercial Auto Coverage forms automatically include medical payment coverage? CORRECT ANSWER Usually, any person who would occupy a commercial vehicle would be covered by a Workers Compensation policy.