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New York Property & Casualty Insurance Examination

New York Property & Casualty Practice Test

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Questions updated at Sep 1, 2026, 2:07 PM CDT

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Today's 10 New York Property & Casualty questions

Use this New York Property & Casualty practice test to review New York Property and Casualty Insurance Series 17-56. Questions rotate daily and each answer links back to the source used to write it.

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200 verified questions are in the live bank. Free daily questions are selected from a rotating sample set. Unlock Pro to access the full question bank.

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Question 1 of 10
Objective BOP flood exposure Businessowners Policy (8%)

A BOP-insured retailer is located beside a river and wants protection if rising surface water inundates the premises. The owner assumes the BOP's broad property section automatically includes flood. What should the producer explain?

Concept tested:
Source:New York Department of Financial Services — Information for Small Businesses
Question 2 of 10
Objective Homeowners claim duties Homeowners Policy (14%)

A homeowner reports a burglary but refuses to provide an inventory, proof of ownership, or requested documentation reasonably required by the policy. Why can this affect the claim?

Concept tested:
Question 3 of 10
Objective Dwelling under construction — DP 11 43 Dwelling Policy (6%)

A policy is being written on an eligible residence that is still under construction. Which listed dwelling endorsement is designed for that status?

Concept tested:
Question 4 of 10
Objective Risk management — transfer General Insurance (9%)

A tenant agrees in a lease to indemnify the landlord for specified liabilities arising from the tenant's operations. Which risk-management technique is illustrated?

Concept tested:
Question 5 of 10
Objective Assigned-risk auto plan Auto Insurance (11%)

A licensed driver in good faith needs required New York auto insurance but multiple insurers in the voluntary market refuse the risk. What mechanism is designed to provide access?

Concept tested:
Question 6 of 10
Objective BOP purpose and structure Businessowners Policy (8%)

A small Albany florist wants one policy for its shop contents, business income exposure, and premises liability. The business meets the insurer's eligibility rules. Which policy is designed to package the core property and liability needs of many small businesses?

Concept tested:
Question 7 of 10
Objective Coverage A — Dwelling Dwelling Policy (6%)

A detached rental house insured under a dwelling policy suffers covered fire damage to the main residence. Which property coverage applies most directly to the structure itself?

Concept tested:
Question 8 of 10
Objective Unauthorized insurers — Insurance Law §2117 Insurance Regulation (9%)

A New York producer is asked to place an ordinary admitted-market property risk with an insurer that is not authorized in New York, outside any lawful excess-line procedure. What is the producer's best response?

Concept tested:
Question 9 of 10
Objective New York State Insurance Fund Workers' Compensation (8%)

A roofing contractor has a poor loss record and cannot obtain an affordable voluntary-market workers' compensation quote. The contractor owes no prior balance to NYSIF. What is a key feature of NYSIF identified by the Workers' Compensation Board?

Concept tested:
Question 10 of 10
Objective No-fault death benefit Auto Insurance (11%)

A pedestrian who is a covered person dies from injuries arising out of the use of an insured New York motor vehicle. What additional death benefit does §5103 specify apart from basic economic loss?

Concept tested:
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Question 1 A BOP-insured retailer is located beside a river and wants protection if rising surface water inundates the premises. The owner assumes the BOP's broad property section automatically includes flood. What should the producer explain?

Answer choices

  1. A. Every BOP automatically includes NFIP flood limits
  2. B. Flood is commonly excluded from standard property coverage and requires separate or specifically endorsed protection
  3. C. Flood is covered whenever the building has business income coverage
  4. D. Flood can never be insured for a commercial business

Correct answer

Flood is commonly excluded from standard property coverage and requires separate or specifically endorsed protection

Standard commercial property forms commonly exclude flood. Businesses can obtain flood protection separately, including through the NFIP when eligible or private insurers.

Wrong-answer review

  • A. Every BOP automatically includes NFIP flood limits: NFIP flood coverage is not automatically inserted into every BOP.
  • C. Flood is covered whenever the building has business income coverage: Business income coverage does not create flood property coverage where flood is excluded.
  • D. Flood can never be insured for a commercial business: Commercial flood insurance is available through the NFIP and private markets.

Extra learning features

Interview question

Q: How would you explain the flood gap to a small business owner who assumes a BOP's broad property coverage includes river or surface-water flooding? Strong answer: Standard BOP/commercial property coverage commonly excludes flood. A business with river or surface-water exposure should evaluate separate flood protection, including NFIP coverage when eligible or other appropriate flood coverage. Broad or special property treatment does not make flood automatic.

  • flood exclusion
  • separate flood coverage
  • NFIP when eligible
  • broad/special does not erase exclusions

Caution: Distinguish flood from internal plumbing discharge or water-backup coverage; they are different causes of loss.

Why this matters

A business can have broad property insurance and still have no flood coverage. Identifying that gap before a river or surface-water loss is essential because the absence of separate flood protection can leave both property damage and interruption costs uninsured.

Objective/domain: Businessowners Policy (8%)

Source: New York Department of Financial Services — Information for Small Businesses

Question 2 A homeowner reports a burglary but refuses to provide an inventory, proof of ownership, or requested documentation reasonably required by the policy. Why can this affect the claim?

Answer choices

  1. A. Compliance with post-loss duties is a condition of the insured's claim rights
  2. B. The insurer must pay before it may request any claim documentation
  3. C. Only liability claims contain duties after loss
  4. D. The insured may replace proof of ownership with a higher policy limit

Correct answer

Compliance with post-loss duties is a condition of the insured's claim rights

Objective/domain: Homeowners Policy (14%)

Source: PSI / New York DFS Insurance Candidate Information Bulletin — Series 17-56

Question 3 A policy is being written on an eligible residence that is still under construction. Which listed dwelling endorsement is designed for that status?

Answer choices

  1. A. Personal Property Replacement Cost (HO 04 90)
  2. B. Mobile Equipment (CA 20 24)
  3. C. Ordinance or Law (CP 04 05)
  4. D. Dwelling Under Construction (DP 11 43)

Correct answer

Dwelling Under Construction (DP 11 43)

Objective/domain: Dwelling Policy (6%)

Source: PSI / New York DFS Insurance Candidate Information Bulletin — Series 17-56

Question 4 A tenant agrees in a lease to indemnify the landlord for specified liabilities arising from the tenant's operations. Which risk-management technique is illustrated?

Answer choices

  1. A. Risk avoidance
  2. B. Risk retention only
  3. C. Law of large numbers
  4. D. Contractual risk transfer

Correct answer

Contractual risk transfer

Objective/domain: General Insurance (9%)

Source: National Association of Insurance Commissioners — Glossary of Insurance Terms

Question 5 A licensed driver in good faith needs required New York auto insurance but multiple insurers in the voluntary market refuse the risk. What mechanism is designed to provide access?

Answer choices

  1. A. The New York Automobile Insurance Plan assigned-risk mechanism
  2. B. The New York Property Insurance Underwriting Association residual property market for applicants unable to obtain ordinary private passenger auto insurance
  3. C. The National Flood Insurance Program
  4. D. The workers' compensation State Insurance Fund

Correct answer

The New York Automobile Insurance Plan assigned-risk mechanism

Objective/domain: Auto Insurance (11%)

Source: New York Insurance Law §5301

Question 6 A small Albany florist wants one policy for its shop contents, business income exposure, and premises liability. The business meets the insurer's eligibility rules. Which policy is designed to package the core property and liability needs of many small businesses?

Answer choices

  1. A. A Businessowners Policy (BOP)
  2. B. A personal umbrella policy
  3. C. A workers' compensation policy only
  4. D. A personal homeowners policy

Correct answer

A Businessowners Policy (BOP)

Objective/domain: Businessowners Policy (8%)

Source: New York Department of Financial Services — Information for Small Businesses

Question 7 A detached rental house insured under a dwelling policy suffers covered fire damage to the main residence. Which property coverage applies most directly to the structure itself?

Answer choices

  1. A. Coverage A — Dwelling
  2. B. Coverage B — Other Structures
  3. C. Coverage C — Personal Property
  4. D. Coverage D — Fair Rental Value

Correct answer

Coverage A — Dwelling

Objective/domain: Dwelling Policy (6%)

Source: PSI / New York DFS Insurance Candidate Information Bulletin — Series 17-56

Question 8 A New York producer is asked to place an ordinary admitted-market property risk with an insurer that is not authorized in New York, outside any lawful excess-line procedure. What is the producer's best response?

Answer choices

  1. A. Place the policy if the premium is lower than the admitted market
  2. B. Place it as long as the insured signs a waiver of New York protection
  3. C. Do not aid the unauthorized insurer in transacting the coverage
  4. D. Collect the premium first and ask DFS for permission after binding

Correct answer

Do not aid the unauthorized insurer in transacting the coverage

Objective/domain: Insurance Regulation (9%)

Source: New York Insurance Law §2117

Question 9 A roofing contractor has a poor loss record and cannot obtain an affordable voluntary-market workers' compensation quote. The contractor owes no prior balance to NYSIF. What is a key feature of NYSIF identified by the Workers' Compensation Board?

Answer choices

  1. A. NYSIF must provide coverage to an employer seeking insurance, subject to its rules such as unpaid prior balances
  2. B. NYSIF insures only government agencies and nonprofit organizations
  3. C. NYSIF may insure only employers with perfect safety records
  4. D. NYSIF is the same agency as the Workers' Compensation Board

Correct answer

NYSIF must provide coverage to an employer seeking insurance, subject to its rules such as unpaid prior balances

Objective/domain: Workers' Compensation (8%)

Source: New York State Workers' Compensation Board — Obtaining Insurance

Question 10 A pedestrian who is a covered person dies from injuries arising out of the use of an insured New York motor vehicle. What additional death benefit does §5103 specify apart from basic economic loss?

Answer choices

  1. A. $500
  2. B. $2,000
  3. C. $10,000
  4. D. $25,000

Correct answer

$2,000

Objective/domain: Auto Insurance (11%)

Source: New York Insurance Law §5103

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