1|Page
NY INDEPENDENT GENERAL
ADJUSTER EXAM - SERIES 17-
70||CERTIFIED Q&A 2026
A ship owner wanting coverage in case crew members bring liability suits for
injuries sustained while working would purchase: - correct-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? - correct-
answer -Premium Discount.
What is an example of a moral hazard? - correct-answer -Embezzlement
,2|Page
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? - correct-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. What principle would be violated if her insurer paid her
more than $50,000? - correct-answer -Principle of Indemnity.
What is the appropriate manner in which to sign a "release of all claims?" -
correct-answer -Must use full legal name.
Jane becomes injured in an auto accident caused when she took her eyes off the
road to send a text message on her cell phone. This is an example of a: - correct-
answer -Morale Hazard.
,3|Page
The deductible on the Equipment Breakdown form can be stated in what 3 ways?
- correct-answer -Fixed Dollar Amount, Time Deductible, and Percentage of Loss.
A car has had the front sheet metal replaced. The fender-to-door gap is wider on
the passenger side than on the driver side and the hood appears out of alignment.
Technician A says that only the hood latch is misaligned. Technician B says the
front structure of the vehicle is not dimensionally correct. Who is right? - correct-
answer -Technician B only.
A tenant leases space in a building. The tenant's space is damaged by fire. When
will the commercial Property Policy pay for the damage? - correct-answer -When
the owner of the building submits proof of loss for the damage.
, 4|Page
Dwelling forms provide what amount of coverage for grave markers and
mausoleums? - correct-answer -Nothing. Homeowners form provide a limit of
$5,000.
Does a flat deductible apply to basic scheduled dental plans? - correct-answer -
No.
With crop insurance policies, the coverage period is usually: - correct-answer -
Limited to the growing period for the particular crop being insured.
What does an employer's non-ownership coverage under the BAP cover? -
correct-answer -Covers the employer when the employee is using their vehicle on
company business.
NY INDEPENDENT GENERAL
ADJUSTER EXAM - SERIES 17-
70||CERTIFIED Q&A 2026
A ship owner wanting coverage in case crew members bring liability suits for
injuries sustained while working would purchase: - correct-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? - correct-
answer -Premium Discount.
What is an example of a moral hazard? - correct-answer -Embezzlement
,2|Page
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? - correct-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. What principle would be violated if her insurer paid her
more than $50,000? - correct-answer -Principle of Indemnity.
What is the appropriate manner in which to sign a "release of all claims?" -
correct-answer -Must use full legal name.
Jane becomes injured in an auto accident caused when she took her eyes off the
road to send a text message on her cell phone. This is an example of a: - correct-
answer -Morale Hazard.
,3|Page
The deductible on the Equipment Breakdown form can be stated in what 3 ways?
- correct-answer -Fixed Dollar Amount, Time Deductible, and Percentage of Loss.
A car has had the front sheet metal replaced. The fender-to-door gap is wider on
the passenger side than on the driver side and the hood appears out of alignment.
Technician A says that only the hood latch is misaligned. Technician B says the
front structure of the vehicle is not dimensionally correct. Who is right? - correct-
answer -Technician B only.
A tenant leases space in a building. The tenant's space is damaged by fire. When
will the commercial Property Policy pay for the damage? - correct-answer -When
the owner of the building submits proof of loss for the damage.
, 4|Page
Dwelling forms provide what amount of coverage for grave markers and
mausoleums? - correct-answer -Nothing. Homeowners form provide a limit of
$5,000.
Does a flat deductible apply to basic scheduled dental plans? - correct-answer -
No.
With crop insurance policies, the coverage period is usually: - correct-answer -
Limited to the growing period for the particular crop being insured.
What does an employer's non-ownership coverage under the BAP cover? -
correct-answer -Covers the employer when the employee is using their vehicle on
company business.
