NY Independent General Adjuster
Practice Exam 2025 Questions and
Answers
Which of the following is covered by a dread disease policy? - --Answer --
illnesses that do not occur frequently but incur significant costs when they do
occur
Which of the following professionals would purchase Directors and Officers (D
&O) insurance to manage the liability risk associated with their activities? - --
Answer --chief executive officer
For the commercial general liability coverages of bodily injury, property damage
and medical payments, which of the following limits of insurance apply if the
aggregate limit is NOT met? - --Answer --per occurrence
An injured employee covered under workers' compensation is entitled to
reasonably justifiable expenses for retraining. This benefit falls under which of the
following? - --Answer --vocational rehabilitation
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
, Which of the following is the party who agrees to be responsible for loss in the
case of a fidelity bond? - --Answer --the surety
What increases the potential loss of an unforeseen event that causes injury to an
insured or damage to property? - --Answer --Hazard
Which of the following sides represent the front surface of the patient? - --
Answer --anterior
Which party is required to provide proof of loss to establish entitlement? - --
Answer --the insured
What does homeowners Coverage B - Other Structures cover? - --Answer --
structures located on the insured's property separated from the dwelling by clear
space
Which of the following is a duty of the insured after a loss? - --Answer --
minimizing further loss
When an agent tries to convince a policyholder to replace an existing policy to buy
another one, what are they practicing? - --Answer --misrepresentation
How long is the broad theft coverage endorsement invalid if the property is
vacant? - --Answer --More than 60 consecutive days
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
Practice Exam 2025 Questions and
Answers
Which of the following is covered by a dread disease policy? - --Answer --
illnesses that do not occur frequently but incur significant costs when they do
occur
Which of the following professionals would purchase Directors and Officers (D
&O) insurance to manage the liability risk associated with their activities? - --
Answer --chief executive officer
For the commercial general liability coverages of bodily injury, property damage
and medical payments, which of the following limits of insurance apply if the
aggregate limit is NOT met? - --Answer --per occurrence
An injured employee covered under workers' compensation is entitled to
reasonably justifiable expenses for retraining. This benefit falls under which of the
following? - --Answer --vocational rehabilitation
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
, Which of the following is the party who agrees to be responsible for loss in the
case of a fidelity bond? - --Answer --the surety
What increases the potential loss of an unforeseen event that causes injury to an
insured or damage to property? - --Answer --Hazard
Which of the following sides represent the front surface of the patient? - --
Answer --anterior
Which party is required to provide proof of loss to establish entitlement? - --
Answer --the insured
What does homeowners Coverage B - Other Structures cover? - --Answer --
structures located on the insured's property separated from the dwelling by clear
space
Which of the following is a duty of the insured after a loss? - --Answer --
minimizing further loss
When an agent tries to convince a policyholder to replace an existing policy to buy
another one, what are they practicing? - --Answer --misrepresentation
How long is the broad theft coverage endorsement invalid if the property is
vacant? - --Answer --More than 60 consecutive days
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
