NY INDEPENDENT GENERAL ADJUSTER
PRACTICE SOLUTION TEST 2026 TESTED
QUESTIONS AND ACCURATE ANSWERS
GRADED A+
●● 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
●● 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
PRACTICE SOLUTION TEST 2026 TESTED
QUESTIONS AND ACCURATE ANSWERS
GRADED A+
●● 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
●● 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
