Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) : NY-Independent-General-Adjuster

  • Exam Code: NY-Independent-General-Adjuster
  • Exam Name: NewYorkIndependent General Adjuster (Series 17-70)
  • Updated: Sep 18, 2026     Q & A: 107 Questions and Answers

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Insurance Licensing NY-Independent-General-Adjuster Exam Syllabus Topics:

SectionWeightObjectives
Dwelling Policy6%- Coverage Forms and Perils
  • 1. Covered Perils
    • 2. Basic, Broad and Special Forms
      - Property Coverages
      • 1. Dwelling and Other Structures
        • 2. Personal Property and Loss of Use
          - Exclusions, Conditions and Endorsements
          • 1. New York and Selected Endorsements
            • 2. General Exclusions and Conditions
              Adjusting Losses11%- Role of the Adjuster
              • 1. Independent, Staff and Public Adjusters
                • 2. Duties and Responsibilities
                  - Claim Investigation
                  • 1. Claim Reporting and Documentation
                    • 2. Evidence and Witness Statements
                      - Claim Settlement
                      • 1. Negotiation and Releases
                        • 2. Subrogation, Appraisal and Arbitration
                          - Property and Liability Losses
                          • 1. Coverage Verification and Loss Evaluation
                            • 2. Estimates, Depreciation and Salvage
                              Accident and Health Insurance Basics6%- Accident and Health Claims
                              • 1. Notice and Proof of Loss
                                • 2. Investigation and Payment of Claims
                                  - Types of Coverage
                                  • 1. Accidental Injury and Sickness
                                    • 2. Disability, Medical and Long-Term Care
                                      - Limited Policies
                                      • 1. Hospital, Dental and Vision Coverage
                                        • 2. Accident-Only and Specified Disease
                                          Homeowners Policy10%- Selected Endorsements
                                          • 1. New York Special Provisions
                                            • 2. Earthquake, Identity Fraud and Home Business
                                              - Liability Coverages
                                              • 1. Medical Payments to Others
                                                • 2. Personal Liability
                                                  - Property Coverages
                                                  • 1. Dwelling, Other Structures and Personal Property
                                                    • 2. Loss of Use and Additional Coverages
                                                      - Perils, Exclusions and Conditions
                                                      • 1. Perils Insured Against
                                                        • 2. Exclusions and Conditions
                                                          - Coverage Forms
                                                          • 1. HO-2 through HO-6
                                                            • 2. HO-8
                                                              Insurance Basics6%- Policy Structure
                                                              • 1. Subrogation, Salvage and Loss Settlement
                                                                • 2. Limits, Deductibles and Other Insurance
                                                                  • 3. Declarations, Conditions and Exclusions
                                                                    - Insurance Contracts
                                                                    • 1. Representations, Warranties and Concealment
                                                                      • 2. Elements and Characteristics
                                                                        - Insurance Principles
                                                                        • 1. Causes and Valuation of Loss
                                                                          • 2. Hazards, Negligence and Liability
                                                                            • 3. Insurable Interest and Indemnity
                                                                              Commercial Package Policy38%- Transportation Coverages
                                                                              • 1. Motor Truck Cargo
                                                                                • 2. Transit Coverage
                                                                                  • 3. Common Carrier Legal Liability
                                                                                    - Commercial Policy Components
                                                                                    • 1. Common Policy Declarations
                                                                                      • 2. Common Policy Conditions
                                                                                        - Commercial Inland Marine
                                                                                        • 1. Jewelers Block, Signs and Electronic Data Processing
                                                                                          • 2. Marine Definition and Conditions
                                                                                            • 3. Accounts Receivable and Valuable Papers
                                                                                              • 4. Contractors Equipment and Installation Floaters
                                                                                                Medical Reports and Terminology4%- Medical Terminology
                                                                                                • 1. Prefixes, Suffixes and Abbreviations
                                                                                                  • 2. Medical Specialties
                                                                                                    - Injuries, Diseases and Medical Tests
                                                                                                    • 1. Diagnostic Tests
                                                                                                      • 2. Common Injuries and Diseases
                                                                                                        - Basic Human Anatomy
                                                                                                        • 1. Cardiovascular and Abdominal Systems
                                                                                                          • 2. Skeletal, Nervous and Respiratory Systems
                                                                                                            Personal Inland Marine13%- Personal Effects Floater
                                                                                                            • 1. Coverage and Loss Settlement
                                                                                                              - Personal Articles Floater
                                                                                                              • 1. Scheduled Personal Property
                                                                                                                - Personal Property Floater
                                                                                                                • 1. Coverage and Eligible Property
                                                                                                                  Insurance Regulation6%- Claim Settlement Regulations
                                                                                                                  • 1. Consumer Privacy
                                                                                                                    • 2. Unfair Claim Practices
                                                                                                                      - Disciplinary Actions
                                                                                                                      • 1. Suspension and Revocation
                                                                                                                        • 2. Penalties and Cease and Desist Orders
                                                                                                                          - Licensing Requirements
                                                                                                                          • 1. Bond and Fingerprinting
                                                                                                                            • 2. Qualifications and Application
                                                                                                                              - License Maintenance
                                                                                                                              • 1. Renewal and Changes
                                                                                                                                • 2. Assumed Names and Reporting

                                                                                                                                  Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions:

                                                                                                                                  Question #1

                                                                                                                                  A New York producer moved his/her office on April 1. The producer MUST inform the Superintendent of the address change no later than

                                                                                                                                  • A. July 1.
                                                                                                                                  • B. May 1.
                                                                                                                                  • C. October 1.
                                                                                                                                  • D. December 31.
                                                                                                                                  Reveal Solution  Discussion  0

                                                                                                                                  Correct Answer: B  🗳️

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                                                                                                                                  Question #2

                                                                                                                                  Under a Crop-Hail insurance policy, which of the following is true?

                                                                                                                                  • A. It covers the crop as soon as it is planted.
                                                                                                                                  • B. It covers only damage to the insured crop.
                                                                                                                                  • C. It automatically covers rain, wind, hail, and frost damage.
                                                                                                                                  • D. It restores the amount of insurance after each loss.
                                                                                                                                  Reveal Solution  Discussion  0

                                                                                                                                  Correct Answer: B  🗳️

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                                                                                                                                  Question #3

                                                                                                                                  Applicants for a New York public adjuster's license MUST file a bond on the condition that the applicant will faithfully perform the adjuster's duties under the license. The penal sum of the bond REQUIRED is

                                                                                                                                  • A. $10,000.
                                                                                                                                  • B. $250.
                                                                                                                                  • C. $500.
                                                                                                                                  • D. $1,000.
                                                                                                                                  Reveal Solution  Discussion  0

                                                                                                                                  Correct Answer: D  🗳️

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                                                                                                                                  Question #4

                                                                                                                                  An insured that is covered on a business automobile policy would like to get physical damage coverage for a forklift used at their facility. Which endorsement can be used to insure this covered automobile?

                                                                                                                                  • A. Miscellaneous vehicle endorsement.
                                                                                                                                  • B. Drive other car endorsement.
                                                                                                                                  • C. Mobile equipment endorsement.
                                                                                                                                  • D. Truckers coverage form.
                                                                                                                                  Reveal Solution  Discussion  0

                                                                                                                                  Correct Answer: C  🗳️

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                                                                                                                                  Question #5

                                                                                                                                  Regarding insurance coverage for employment practices exposures, which one of the following statements is TRUE?

                                                                                                                                  • A. The commercial general liability policy covers employment practices liability as part of its basic professional liability coverage.
                                                                                                                                  • B. Employment practices liability insurance is purchased as an endorsement to the directors and officers policy, but cannot be purchased separately.
                                                                                                                                  • C. Employment practices liability policies cover suits by employees who are injured on the job.
                                                                                                                                  • D. Employment practices liability policies cover losses arising out of wrongful terminations, discrimination, and sexual harassment.
                                                                                                                                  Reveal Solution  Discussion  0

                                                                                                                                  Correct Answer: D  🗳️

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