NY INDEPENDENT GENERAL ADJUSTER
SERIES 17 70 FINAL EXAM SCRIPT 2026
FULL QUESTIONS WITH CORRECT
ANSWERS VERIFIED GRADED A+
⩥ Low Yields and Poor Quality Crops are covered under a:
Answer: Multi-Peril Crop Policy
⩥ Who do uniform mandatory provisions tend to benefit?
Answer: They tend to benefit the insurer.
⩥ What can happen when an independent contractor is injured while
working and files a claim stating that they were actually an employee?
Answer: The insurance carrier can charge an additional premium for the
exposure.
⩥ A customer has eaten seafood in a restaurant and became very ill.
What type of CGL claim is this?
Answer: Premises Liability.
⩥ What is the fundamental trade-off in workers compensation laws?
,Answer: Employees are provided no-fault benefits for most work-related
injuries in exchange for the loss of the right to sue the employer for
damages.
⩥ The insured owns a two-family dwelling and rents out one of the
dwelling units. If a fire occurs what coverage could the insured look to
for his loss of rental income under the DP-3?
Answer: Fair Rental Value.
⩥ Which perils are broader under DP2 than DP3?
Answer: Explosion, Smoke, and Vehicles.
⩥ A trailer leased by the named insured from another business is a
covered auto under the insured's BAP. While the trailer is connected to a
covered truck-tractor owned by the insured, the BAP provides:
Answer: Primarily liability coverage on the trailer.
⩥ What does the CAN-SPAM act of 2003 require?
Answer: Senders of commercial electronic mail may not mislead
recipients as to the source or content of such mail.
⩥ The general property flood coverage form for commercial property
will settle claims on the basis of:
Answer: Actual Cash Value.
, ⩥ Virtually all inland marine named perils forms include coverage for:
Answer: Fire and Lightening.
⩥ What kind of health insurance policy would be issued to indemnify
the owner when a critical employee of a business becomes disabled due
to injury or illness?
Answer: Key man disability.
⩥ Mary is a newly hired and unlicensed employee of an insurance
agency. She is being trained by the other staff members. A customer
comes in to pay their premiums and Mary collects the money. What are
the consequences?
Answer: None - Mary is not guilty of doing anything.
⩥ Would a claim under Employer's Liability Insurance for an employee
on business temporarily in France be covered?
Answer: Yes, since the employee was outside the coverage territory
temporarily .
⩥ According to the commercial auto policy definitions, an "accident":
Answer: Includes continuous or repeated exposure to the same
conditions.
SERIES 17 70 FINAL EXAM SCRIPT 2026
FULL QUESTIONS WITH CORRECT
ANSWERS VERIFIED GRADED A+
⩥ Low Yields and Poor Quality Crops are covered under a:
Answer: Multi-Peril Crop Policy
⩥ Who do uniform mandatory provisions tend to benefit?
Answer: They tend to benefit the insurer.
⩥ What can happen when an independent contractor is injured while
working and files a claim stating that they were actually an employee?
Answer: The insurance carrier can charge an additional premium for the
exposure.
⩥ A customer has eaten seafood in a restaurant and became very ill.
What type of CGL claim is this?
Answer: Premises Liability.
⩥ What is the fundamental trade-off in workers compensation laws?
,Answer: Employees are provided no-fault benefits for most work-related
injuries in exchange for the loss of the right to sue the employer for
damages.
⩥ The insured owns a two-family dwelling and rents out one of the
dwelling units. If a fire occurs what coverage could the insured look to
for his loss of rental income under the DP-3?
Answer: Fair Rental Value.
⩥ Which perils are broader under DP2 than DP3?
Answer: Explosion, Smoke, and Vehicles.
⩥ A trailer leased by the named insured from another business is a
covered auto under the insured's BAP. While the trailer is connected to a
covered truck-tractor owned by the insured, the BAP provides:
Answer: Primarily liability coverage on the trailer.
⩥ What does the CAN-SPAM act of 2003 require?
Answer: Senders of commercial electronic mail may not mislead
recipients as to the source or content of such mail.
⩥ The general property flood coverage form for commercial property
will settle claims on the basis of:
Answer: Actual Cash Value.
, ⩥ Virtually all inland marine named perils forms include coverage for:
Answer: Fire and Lightening.
⩥ What kind of health insurance policy would be issued to indemnify
the owner when a critical employee of a business becomes disabled due
to injury or illness?
Answer: Key man disability.
⩥ Mary is a newly hired and unlicensed employee of an insurance
agency. She is being trained by the other staff members. A customer
comes in to pay their premiums and Mary collects the money. What are
the consequences?
Answer: None - Mary is not guilty of doing anything.
⩥ Would a claim under Employer's Liability Insurance for an employee
on business temporarily in France be covered?
Answer: Yes, since the employee was outside the coverage territory
temporarily .
⩥ According to the commercial auto policy definitions, an "accident":
Answer: Includes continuous or repeated exposure to the same
conditions.
