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Free New Mexico Independent and Staff Adjuster P/C and W/C Insurance Practice Questions

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Sample Practice Questions

Try these 10 sample questions from the New Mexico Independent and Staff Adjuster P/C and W/C Insurance practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1A resident applicant for an individual New Mexico adjuster license is 17 years old on the application date. Which licensing qualification is not met?

    1. A. The applicant must be at least 18 years old
    2. B. The applicant must be at least 19 years old
    3. C. The applicant must be at least 20 years old
    4. D. The applicant must be at least 21 years old

    Answer: A

    Explanation: The controlling rule states that an applicant must be "not less than 18 years of age." Because the applicant is 17, the minimum-age qualification is not met.

    Reference: Amendment — 13.4.8.9(B)(1) NMAC, page 3

  2. 2A surplus-lines insurer becomes insolvent after issuing nonadmitted coverage in New Mexico. What guaranty-fund warning applies to the resulting claims and unearned premium?

    1. A. No New Mexico insurance guaranty fund will pay the claims or return the unearned premium
    2. B. The property and casualty guaranty fund will pay both without a statutory limit
    3. C. The workers’ compensation assigned risk pool will pay both
    4. D. The self-insurers’ guarantee fund will return only the premium

    Answer: A

    Explanation: The official statutory text requires disclosure that "in the event the surplus lines insurer becomes insolvent, claims will not be paid nor will unearned premiums be returned by any New Mexico insurance guaranty fund." The nonadmitted placement lacks that guaranty-fund protection.

    Reference: SB0104 — NMSA 1978 § 59A-14-11(A)(2)

  3. 3A claimant represented by counsel asks an independent adjuster for a legal opinion about suing another party. What should the adjuster do under New Mexico’s conduct rule?

    1. A. Give the opinion if no fee is charged
    2. B. Give the opinion only in writing
    3. C. Contact the claimant directly before contacting counsel
    4. D. Do not give legal advice and do not deal directly with the represented claimant without counsel’s consent

    Answer: D

    Explanation: The conduct rule states: "An adjuster shall not give legal advice, and shall not deal directly with any policyholder or claimant who is represented by legal counsel without the consent of the legal counsel involved." Both restrictions apply to the request.

    Reference: 13.4.8 NMAC — 13.4.8.14(A)(4) NMAC, page 10

  4. 4A dwelling special-form (DP-3) loss involves the dwelling building and household contents. Which peril basis should the adjuster apply to those two types of property, subject to policy exclusions?

    1. A. Special perils for the dwelling; broad named perils for contents
    2. B. Broad named perils for the dwelling; special perils for contents
    3. C. Special perils for the dwelling; special perils for contents
    4. D. Broad named perils for the dwelling; broad named perils for contents

    Answer: A

    Explanation: The NAIC states that personal property is "covered by the same perils as named in the Broad Form." The preceding sentence describes special all-risks coverage for the dwelling. Together they require a special-perils dwelling and broad named-perils contents; the other pairs reverse or erase that distinction.

    Reference: NAIC Statistical Handbook of Data Available to Insurance Regulators — §8.4, Dwelling Policies, p. 8-2

  5. 5After a covered kitchen fire, a homeowner must stay in a hotel while the house is repaired. The claim is for necessary lodging costs above the family's usual living expenses. Which homeowners property coverage addresses this cost?

    1. A. Coverage A — Dwelling
    2. B. Coverage B — Other Structures
    3. C. Coverage C — Personal Property
    4. D. Coverage D — Loss of Use

    Answer: D

    Explanation: NAIC states that additional living expense coverage pays "the necessary living expenses up to the stated limit" when the house cannot be occupied due to a covered loss. A hotel bill here is a loss-of-use cost, not repair of structures or contents.

    Reference: NAIC Consumer Homeowners Insurance — Types of Coverage in a Homeowners Policy, Additional Living Expense

  6. 6A New Mexico private-passenger auto policy is checked for the statutory bodily-injury limit applicable to one injured person in one accident. What minimum applies?

    1. A. $25,000
    2. B. $20,000
    3. C. $30,000
    4. D. $50,000

    Answer: A

    Explanation: The Motor Vehicle Division lists "$25,000 because of bodily injury to or death of one person in any one accident." The policy must provide at least that per-person amount.

    Reference: Chapter 11 – Mandatory Insurance | Motor Vehicle Division NM — NMSA 1978 § 66-5-208, Evidence of Financial Responsibility; Amounts and Conditions

  7. 7An adjuster compares an occurrence CGL form with a claims-made CGL form. Assuming any retroactive-date condition is met, which event must occur during the claims-made form's policy period to trigger that form?

    1. A. The injurious event causing the loss
    2. B. The first filing of the liability claim
    3. C. The final payment of defense costs
    4. D. The completion of damaged-property repairs

    Answer: B

    Explanation: NAIC states, "The trigger for claims-made policies is the filing of a claim during the policy period." An occurrence form instead looks to bodily injury or property damage during its policy period; payment and repair dates are not the claims-made trigger.

    Reference: NAIC A Regulator's Introduction to the Insurance Industry — Commercial General Liability, occurrence and claims-made discussion

  8. 8A small retailer buys a standard businessowners policy for its premises and operations. It also uses a company-owned van for deliveries. Which exposure ordinarily needs separate commercial auto coverage rather than relying on the BOP?

    1. A. Damage to the retailer's building
    2. B. Interruption of retail operations
    3. C. Liability from store premises
    4. D. Liability from the delivery van

    Answer: D

    Explanation: NAIC says a BOP typically includes property, business interruption and liability coverage, but "typically does not include commercial auto insurance." A delivery-van liability exposure therefore calls for separate auto coverage; the other exposures align with the ordinary BOP package.

    Reference: NAIC Consumer Small Business Insurance — FAQ, What's a business owners policy?

  9. 9A covered personal-liability judgment exceeds the liability limit in a homeowner's primary policy. Which type of policy could provide an additional layer of liability protection above that underlying limit?

    1. A. The primary homeowners liability policy
    2. B. The primary boatowners liability policy
    3. C. The personal umbrella liability policy
    4. D. The primary personal-auto liability policy

    Answer: C

    Explanation: NAIC says umbrella insurance "provides additional liability coverage above and beyond the limits of your homeowners and boat insurance policies." The named primary liability policies are real underlying coverages but do not themselves provide this additional umbrella layer.

    Reference: NAIC Personal Umbrella Insurance Policy — Personal Umbrella Insurance Policy section

  10. 10A worker’s job injury is covered by the New Mexico workers’ compensation system. What does the exclusive-remedy doctrine generally prevent?

    1. A. The worker from suing the employer in the regular court system for that covered injury
    2. B. The worker from receiving reasonable medical care
    3. C. The insurer from investigating compensability
    4. D. The employer from reporting the injury to the WCA

    Answer: A

    Explanation: The WCA guide says covered workers "are not allowed to sue their employers" in the regular court system. The covered injury is handled through the workers’ compensation system.

    Reference: Wca Employer Guidebook — NMSA 1978 § 52-1-9; Glossary, Exclusive Remedy, page 47

Topics in this practice bank

These topics describe the available practice for New Mexico Independent and Staff Adjuster P/C and W/C Insurance. Review the examination outline and its sources for scope and allocation details.

  • Insurance Regulation
    • Licensing Requirements
    • Licensing Requirements > Qualifications (59A-11, 59A-12)
    • Licensing Requirements > Process (59A-11-2, 3, 59A-12-12; Reg 13.4.2.8, .9)
    • Licensing Requirements > Licensing exemptions
    • Maintenance and Duration
    • Maintenance and Duration > Expiration and Renewal (59A-11-10, 11)
    • Maintenance and Duration > Records
    • Maintenance and Duration > Continuing Education (59A-12-26; Reg 13.4.7.9, .12)
    • Disciplinary Actions
    • Disciplinary Actions > Cease and Desist Orders (59A-16-27)
    • Disciplinary Actions > Penalties and Fines (59A-1-18, 59A-11- 17, 21)
    • Disciplinary Actions > Suspension, Revocation, or Refusal to Issue or Renew (59A-11-8, 10, 14–16, 18)
    • Claim settlement laws and regulations
    • Federal Regulation
    • Federal Regulation > Fair Credit Reporting Act (15 USC 1681–1681d)
    • Federal Regulation > Fraud and false statements (18 USC 1033, 1034)
    • Records Retention
  • Insurance Basics
    • Contracts
    • Contracts > Elements of a Legal Contract
    • Contracts > Elements of a Legal Contract > Offer and Acceptance
    • Contracts > Elements of a Legal Contract > Consideration
    • Contracts > Elements of a Legal Contract > Competent Parties
    • Contracts > Elements of a Legal Contract > Legal Purpose
    • Contracts > Legal Interpretations affecting Contracts
    • Contracts > Legal Interpretations affecting Contracts > Ambiguities in a contract of adhesion
    • Contracts > Legal Interpretations affecting Contracts > Reasonable expectations
    • Contracts > Legal Interpretations affecting Contracts > Indemnity
    • Contracts > Legal Interpretations affecting Contracts > Utmost Good Faith
    • Contracts > Legal Interpretations affecting Contracts > Representations/Misrepresentations
    • Contracts > Legal Interpretations affecting Contracts > Warranties
    • Contracts > Legal Interpretations affecting Contracts > Concealment
    • Contracts > Legal Interpretations affecting Contracts > Fraud
    • Contracts > Legal Interpretations affecting Contracts > Waiver and Estoppel
    • Insurance Principles and Concepts
    • Insurance Principles and Concepts > Insurable Interest
    • Insurance Principles and Concepts > Hazards
    • Insurance Principles and Concepts > Hazards > Physical
    • Insurance Principles and Concepts > Hazards > Moral
    • Insurance Principles and Concepts > Hazards > Morale
    • Insurance Principles and Concepts > Negligence
    • Insurance Principles and Concepts > Negligence > Elements of a Negligent Act
    • Insurance Principles and Concepts > Negligence > Defenses against negligence
    • Insurance Principles and Concepts > Damages
    • Insurance Principles and Concepts > Damages > Compensatory - Special versus General
    • Insurance Principles and Concepts > Damages > Punitive
    • Insurance Principles and Concepts > Absolute Liability
    • Insurance Principles and Concepts > Strict Liability
    • Insurance Principles and Concepts > Vicarious Liability
    • Insurance Principles and Concepts > Causes of Loss (Perils)
    • Insurance Principles and Concepts > Named Perils versus Special (Open) Perils
    • Insurance Principles and Concepts > Direct Loss
    • Insurance Principles and Concepts > Consequential or Indirect Loss
    • Insurance Principles and Concepts > Blanket versus Specific Insurance
    • Insurance Principles and Concepts > Basic Types of Construction
    • Insurance Principles and Concepts > Loss Valuation
    • Insurance Principles and Concepts > Loss Valuation > Actual Cash Value
    • Insurance Principles and Concepts > Loss Valuation > Replacement Cost
    • Insurance Principles and Concepts > Loss Valuation > Functional Replacement Cost
    • Insurance Principles and Concepts > Loss Valuation > Market Value
    • Insurance Principles and Concepts > Loss Valuation > Agreed Value
    • Insurance Principles and Concepts > Loss Valuation > Stated Amount
    • Policy Structure
    • Policy Structure > Declarations
    • Policy Structure > Definitions
    • Policy Structure > Insuring Agreement or Clause
    • Policy Structure > Additional/Supplementary Coverage
    • Policy Structure > Conditions
    • Policy Structure > Exclusions
    • Policy Structure > Endorsements
    • Common Policy Provisions
    • Common Policy Provisions > Insureds - Named, First Named, Additional
    • Common Policy Provisions > Policy Period
    • Common Policy Provisions > Policy Territory
    • Common Policy Provisions > Cancellation and Nonrenewal
    • Common Policy Provisions > Deductibles
    • Common Policy Provisions > Other Insurance
    • Common Policy Provisions > Other Insurance > Nonconcurrency
    • Common Policy Provisions > Other Insurance > Primary and excess
    • Common Policy Provisions > Other Insurance > Pro Rata
    • Common Policy Provisions > Other Insurance > Contribution by equal shares
    • Common Policy Provisions > Limits of Liability
    • Common Policy Provisions > Limits of Liability > Per Occurrence (Accident)
    • Common Policy Provisions > Limits of Liability > Per Person
    • Common Policy Provisions > Limits of Liability > Aggregate - General versus Products - Completed Operations
    • Common Policy Provisions > Limits of Liability > Split
    • Common Policy Provisions > Limits of Liability > Combined single
    • Common Policy Provisions > Restoration/nonreduction of limits
    • Common Policy Provisions > Coinsurance
    • Common Policy Provisions > Vacancy or Unoccupancy
    • Common Policy Provisions > Assignment
    • Common Policy Provisions > Insurer Provisions
    • Common Policy Provisions > Insurer Provisions > Liberalization
    • Common Policy Provisions > Insurer Provisions > Duty to Defend
    • Common Policy Provisions > Third-Party Provisions
    • Common Policy Provisions > Third-Party Provisions > Standard Mortgage Clause
    • Common Policy Provisions > Third-Party Provisions > Loss Payable Clause
    • Common Policy Provisions > Third-Party Provisions > No Benefit to the Bailee
    • New Mexico Laws, Regulations, and Required Provisions
    • New Mexico Laws, Regulations, and Required Provisions > New Mexico Property and Casualty Insurance Guaranty Fund (59A-43-1–18)
    • New Mexico Laws, Regulations, and Required Provisions > Cancellation and nonrenewal (59A-18-29; Reg 13.8.4.8, .9)
    • New Mexico Laws, Regulations, and Required Provisions > Concealment, Misrepresentation, or Fraud
    • New Mexico Laws, Regulations, and Required Provisions > Federal Terrorism Insurance Program (15 USC 6701; Public Law 107-297, 109–144, 110–160)
  • Adjusting Losses
    • Role of the Adjuster
    • Role of the Adjuster > Duties and Responsibilities
    • Role of the Adjuster > Staff and Independent Adjuster versus Public Adjuster
    • Role of the Adjuster > Relationship to the Legal Profession
    • Claim Reporting
    • Claim Reporting > Claim Investigation
    • Claim Reporting > Claim File Documentation of Events
    • Claim Reporting > Types of Reports
    • Claim Reporting > Types of Reports > Initial or First Field
    • Claim Reporting > Types of Reports > Interim or Status
    • Claim Reporting > Types of Reports > Full Formal
    • Property Losses
    • Property Losses > Duties of Insured after a Loss
    • Property Losses > Duties of Insured after a Loss > Notice to Insurer
    • Property Losses > Duties of Insured after a Loss > Minimizing the Loss
    • Property Losses > Duties of Insured after a Loss > Proof of Loss
    • Property Losses > Duties of Insured after a Loss > Special Requirements
    • Property Losses > Duties of Insured after a Loss > Production of Books and Records
    • Property Losses > Duties of Insured after a Loss > Abandonment
    • Property Losses > Determining Value and Loss
    • Property Losses > Determining Value and Loss > Burden of Proof of Value and Loss
    • Property Losses > Determining Value and Loss > Estimates
    • Property Losses > Determining Value and Loss > Depreciation
    • Property Losses > Determining Value and Loss > Salvage
    • Property Losses > Claim Settlement Options
    • Property Losses > Payment and Discharge
    • Liability Losses
    • Liability Losses > Investigation Procedures
    • Liability Losses > Investigation Procedures > Verify Coverage
    • Liability Losses > Investigation Procedures > Determine Liability
    • Liability Losses > Gathering Evidence
    • Liability Losses > Gathering Evidence > Physical Evidence
    • Liability Losses > Gathering Evidence > Witness Statements
    • Liability Losses > Determining Value of Intangible Damages
    • Coverage Problems
    • Coverage Problems > Dealing with Coverage Disputes
    • Coverage Problems > Dealing with Coverage Disputes > Reservation of Rights Letter
    • Coverage Problems > Dealing with Coverage Disputes > Nonwaiver Agreement
    • Coverage Problems > Dealing with Coverage Disputes > Declaratory Judgment Action
    • Claims Adjustment Procedures
    • Claims Adjustment Procedures > Settlement Procedures
    • Claims Adjustment Procedures > Settlement Procedures > Advance Payments
    • Claims Adjustment Procedures > Settlement Procedures > Draft Authority
    • Claims Adjustment Procedures > Settlement Procedures > Execution of Releases
    • Claims Adjustment Procedures > Subrogation Procedures
    • Claims Adjustment Procedures > Alternative Dispute Resolution
    • Claims Adjustment Procedures > Alternative Dispute Resolution > Appraisal
    • Claims Adjustment Procedures > Alternative Dispute Resolution > Arbitration
    • Claims Adjustment Procedures > Alternative Dispute Resolution > Competitive Estimates
    • Claims Adjustment Procedures > Alternative Dispute Resolution > Mediation
    • Claims Adjustment Procedures > Alternative Dispute Resolution > Negotiation
  • Dwelling Policy
    • Characteristics and Purpose
    • Coverage Forms - Perils Insured Against
    • Coverage Forms - Perils Insured Against > Basic
    • Coverage Forms - Perils Insured Against > Broad
    • Coverage Forms - Perils Insured Against > Special
    • Property Coverages
    • Property Coverages > Coverage A - Dwelling
    • Property Coverages > Coverage B - Other Structures
    • Property Coverages > Coverage C - Personal Property
    • Property Coverages > Coverage D - Fair Rental Value
    • Property Coverages > Coverage E - Additional Living Expense
    • Property Coverages > Other Coverages
    • General Exclusions
    • Conditions
    • Selected Endorsements
    • Selected Endorsements > Special Provisions - (DP 01 28)
    • Selected Endorsements > Automatic Increase in Insurance (DP 04 11)
    • Selected Endorsements > Dwelling Under Construction (DP 11 43)
    • Personal Liability Supplement
  • Homeowners Policy
    • Coverage Forms
    • Coverage Forms > HO-2 through HO-6
    • Definitions
    • Section I - Property Coverages
    • Section I - Property Coverages > Coverage A - Dwelling
    • Section I - Property Coverages > Coverage B - Other Structures
    • Section I - Property Coverages > Coverage C - Personal Property
    • Section I - Property Coverages > Coverage D - Loss of Use
    • Section I - Property Coverages > Additional Coverages
    • Section II - Liability Coverages
    • Section II - Liability Coverages > Coverage E - Personal Liability
    • Section II - Liability Coverages > Coverage F - Medical Payments to Others
    • Section II - Liability Coverages > Additional Coverages
    • Perils Insured Against
    • Exclusions
    • Conditions
    • Selected Endorsements
    • Selected Endorsements > Special Provisions - (HO 01 28)
    • Selected Endorsements > Limited Fungi, Wet or Dry Rot, or Bacteria Coverage (HO 04 26, HO 04 27)
    • Selected Endorsements > Permitted Incidental Occupancies -(HO 04 42)
    • Selected Endorsements > Earthquake (HO 04 54)
    • Selected Endorsements > Scheduled Personal Property (HO 04 61)
    • Selected Endorsements > Personal Property Replacement Cost (HO 04 90)
    • Selected Endorsements > Home Day Care (HO 04 97)
    • Selected Endorsements > Business Pursuits (HO 24 71)
    • Selected Endorsements > Watercraft (HO 24 75)
    • Selected Endorsements > Personal Injury (HO 24 82)
  • Automobile Insurance
    • Laws
    • Laws > New Mexico Motor Vehicle Financial Responsibility Law
    • Laws > New Mexico Motor Vehicle Financial Responsibility Law > Required Limits of Liability (RL 259:61, 264:20)
    • Laws > New Mexico Motor Vehicle Insurance Plan (Reg 1405)
    • Laws > New Mexico Commercial Auto Insurance Plan
    • Laws > Uninsured/Underinsured Motorist (RL 264:15)
    • Laws > Uninsured/Underinsured Motorist (RL 264:15) > Definitions
    • Laws > Uninsured/Underinsured Motorist (RL 264:15) > Bodily Injury
    • Laws > Uninsured/Underinsured Motorist (RL 264:15) > Required Limits
    • Laws > Cancellation/nonrenewal (417-A)
    • Laws > Cancellation/nonrenewal (417-A) > Grounds
    • Laws > Cancellation/nonrenewal (417-A) > Notice
    • Laws > Cancellation/nonrenewal (417-A) > Notice of eligibility in New Mexico Motor Vehicle Insurance Plan (417-A:5(V))
    • Laws > Residency statement (417-A:3-b)
    • Laws > Medical costs coverage (RL 264:16)
    • Laws > After-market parts regulation (407-D)
    • Personal Automobile
    • Personal Automobile > Definitions
    • Personal Automobile > Liability Coverage
    • Personal Automobile > Liability Coverage > Bodily Injury and Property Damage
    • Personal Automobile > Liability Coverage > Supplementary Payments
    • Personal Automobile > Liability Coverage > Exclusions
    • Personal Automobile > Medical Payments
    • Personal Automobile > Uninsured Motorist/Underinsured Motorist Coverage
    • Personal Automobile > Coverage for Damage to your Automobile
    • Personal Automobile > Coverage for Damage to your Automobile > Collision
    • Personal Automobile > Coverage for Damage to your Automobile > Other than Collision
    • Personal Automobile > Coverage for Damage to your Automobile > Deductibles
    • Personal Automobile > Coverage for Damage to your Automobile > Transportation Expense
    • Personal Automobile > Coverage for Damage to your Automobile > Exclusions
    • Personal Automobile > Duties after an Accident or Loss
    • Personal Automobile > General Provisions
    • Personal Automobile > Selected Endorsements
    • Personal Automobile > Selected Endorsements > Amendment of Policy Provisions - (PP 01 76)
    • Personal Automobile > Selected Endorsements > Towing and Labor Costs (PP 03 03)
    • Personal Automobile > Selected Endorsements > Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use - (PP 03 06)
    • Personal Automobile > Selected Endorsements > Miscellaneous Type Vehicle (PP 13 32)
    • Personal Automobile > Selected Endorsements > Joint Ownership Coverage (PP 13 34)
    • Commercial Automobile
    • Commercial Automobile > Commercial Automobile Coverage Forms
    • Commercial Automobile > Commercial Automobile Coverage Forms > Business Automobile
    • Commercial Automobile > Commercial Automobile Coverage Forms > Garage
    • Commercial Automobile > Commercial Automobile Coverage Forms > Business Automobile Physical Damage
    • Commercial Automobile > Coverage Form Sections
    • Commercial Automobile > Coverage Form Sections > Covered Automobiles
    • Commercial Automobile > Coverage Form Sections > Liability Coverage
    • Commercial Automobile > Coverage Form Sections > Garagekeepers Coverage
    • Commercial Automobile > Coverage Form Sections > Physical Damage Coverage
    • Commercial Automobile > Coverage Form Sections > Exclusions
    • Commercial Automobile > Coverage Form Sections > Conditions
    • Commercial Automobile > Coverage Form Sections > Definitions
    • Commercial Automobile > Selected Endorsements
    • Commercial Automobile > Selected Endorsements > Lessor - Additional Insured and Loss Payee (CA 20 01)
    • Commercial Automobile > Selected Endorsements > Mobile Equipment (CA 20 15)
    • Commercial Automobile > Selected Endorsements > Automobile Medical Payments Coverage (CA 99 03)
    • Commercial Automobile > Selected Endorsements > Drive Other Car Coverage (CA 99 10)
    • Commercial Automobile > Selected Endorsements > Hired Automobiles Specified as Covered Automobiles You Own (CA 99 16)
    • Commercial Automobile > Selected Endorsements > Individual Named Insured (CA 99 17)
    • Commercial Automobile > Selected Endorsements > Pollution Liability - Broadened Coverage (CA 99 48; CA 99 55)
  • Commercial Package Policy (CPP)
    • Components of a Commercial Policy
    • Components of a Commercial Policy > Common Policy Declarations
    • Components of a Commercial Policy > Common Policy Conditions
    • Components of a Commercial Policy > Interline Endorsements
    • Components of a Commercial Policy > One or More Coverage Parts
    • Commercial General Liability
    • Commercial General Liability > Commercial General Liability Coverage Forms
    • Commercial General Liability > Commercial General Liability Coverage Forms > Bodily Injury and Property Damage Liability
    • Commercial General Liability > Commercial General Liability Coverage Forms > Personal and Advertising Injury Liability
    • Commercial General Liability > Commercial General Liability Coverage Forms > Medical Payments
    • Commercial General Liability > Commercial General Liability Coverage Forms > Supplementary Payments
    • Commercial General Liability > Commercial General Liability Coverage Forms > Who is an Insured
    • Commercial General Liability > Commercial General Liability Coverage Forms > Limits of Insurance
    • Commercial General Liability > Commercial General Liability Coverage Forms > Conditions
    • Commercial General Liability > Commercial General Liability Coverage Forms > Definitions
    • Commercial General Liability > Commercial General Liability Coverage Forms > Exclusions
    • Commercial General Liability > Occurrence versus Claims-Made
    • Commercial General Liability > Claims-Made Features
    • Commercial General Liability > Claims-Made Features > Trigger
    • Commercial General Liability > Claims-Made Features > Retroactive Date
    • Commercial General Liability > Claims-Made Features > Extended Reporting Periods - Basic versus Supplemental
    • Commercial General Liability > Claims-Made Features > Claim Information
    • Commercial General Liability > Premises and Operations
    • Commercial General Liability > Products and Completed Operations
    • Commercial General Liability > Insured Contract
    • Commercial General Liability > Pollution Liability
    • Commercial General Liability > Pollution Liability > Pollution Liability Coverage Form (CG 00 39)
    • Commercial General Liability > Pollution Liability > Pollution Liability Limited Coverage Form (CG 00 40)
    • Commercial General Liability > Pollution Liability > Pollution Liability Coverage Extension Endorsement (CG 04 22)
    • Commercial Property
    • Commercial Property > Commercial Property Conditions Form
    • Commercial Property > Coverage Forms
    • Commercial Property > Coverage Forms > Building and Personal Property
    • Commercial Property > Coverage Forms > Condominium Association
    • Commercial Property > Coverage Forms > Condominium Commercial Unit-Owners
    • Commercial Property > Coverage Forms > Builders Risk
    • Commercial Property > Coverage Forms > Business Income
    • Commercial Property > Coverage Forms > Legal Liability
    • Commercial Property > Coverage Forms > Extra Expense
    • Commercial Property > Causes of Loss Forms
    • Commercial Property > Causes of Loss Forms > Basic
    • Commercial Property > Causes of Loss Forms > Broad
    • Commercial Property > Causes of Loss Forms > Special
    • Commercial Property > Selected Endorsements
    • Commercial Property > Selected Endorsements > Ordinance or Law (CP 04 05)
    • Commercial Property > Selected Endorsements > Spoilage Coverage (CP 04 40)
    • Commercial Property > Selected Endorsements > Peak Season Limit of Insurance (CP 12 30)
    • Commercial Property > Selected Endorsements > Value Reporting Form (CP 13 10)
    • Commercial Crime
    • Commercial Crime > General Definitions
    • Commercial Crime > General Definitions > Burglary
    • Commercial Crime > General Definitions > Theft
    • Commercial Crime > General Definitions > Robbery
    • Commercial Crime > Crime Coverage Forms
    • Commercial Crime > Crime Coverage Forms > Commercial Crime Coverage Forms (Discovery/Loss Sustained)
    • Commercial Crime > Crime Coverage Forms > Government Crime Coverage Forms (Discovery/Loss Sustained)
    • Commercial Crime > Coverages
    • Commercial Crime > Coverages > Employee Theft
    • Commercial Crime > Coverages > Forgery or Alteration
    • Commercial Crime > Coverages > Inside The Premises - Theft of Money and Securities
    • Commercial Crime > Coverages > Inside The Premises - Robbery or Safe Burglary of other Property
    • Commercial Crime > Coverages > Outside the Premises
    • Commercial Crime > Coverages > Computer Fraud
    • Commercial Crime > Coverages > Funds Transfer Fraud
    • Commercial Crime > Coverages > Money Orders and Counterfeit Money
    • Commercial Crime > Other Crime Coverage
    • Commercial Crime > Other Crime Coverage > Extortion - Commercial Entities (CR 04 03)
    • Commercial Inland Marine
    • Commercial Inland Marine > Nationwide Marine Definition
    • Commercial Inland Marine > Commercial Inland Marine Conditions Form
    • Commercial Inland Marine > Inland Marine Coverage Forms
    • Commercial Inland Marine > Inland Marine Coverage Forms > Accounts Receivable
    • Commercial Inland Marine > Inland Marine Coverage Forms > Bailee's Customer
    • Commercial Inland Marine > Inland Marine Coverage Forms > Commercial Articles
    • Commercial Inland Marine > Inland Marine Coverage Forms > Contractors Equipment Floater
    • Commercial Inland Marine > Inland Marine Coverage Forms > Electronic Data Processing
    • Commercial Inland Marine > Inland Marine Coverage Forms > Equipment Dealers
    • Commercial Inland Marine > Inland Marine Coverage Forms > Installation Floater
    • Commercial Inland Marine > Inland Marine Coverage Forms > Jewelers Block
    • Commercial Inland Marine > Inland Marine Coverage Forms > Signs
    • Commercial Inland Marine > Inland Marine Coverage Forms > Valuable Papers and Records
    • Commercial Inland Marine > Transportation Coverages
    • Commercial Inland Marine > Transportation Coverages > Common Carrier Cargo Liability
    • Commercial Inland Marine > Transportation Coverages > Motor Truck Cargo Forms
    • Commercial Inland Marine > Transportation Coverages > Transit Coverage Forms
    • Equipment Breakdown
    • Equipment Breakdown > Equipment Breakdown Protection Coverage Form (EB 00 20)
    • Equipment Breakdown > Selected Endorsement
    • Equipment Breakdown > Selected Endorsement > Actual Cash Value (EB 99 59)
    • Farm Coverage
    • Farm Coverage > Farm Property Coverage Form
    • Farm Coverage > Farm Property Coverage Form > Coverage A - Dwellings
    • Farm Coverage > Farm Property Coverage Form > Coverage B - Other Private Structures
    • Farm Coverage > Farm Property Coverage Form > Coverage C - Household Personal Property
    • Farm Coverage > Farm Property Coverage Form > Coverage D - Loss of Use
    • Farm Coverage > Farm Property Coverage Form > Coverage E - Scheduled Farm Personal Property
    • Farm Coverage > Farm Property Coverage Form > Coverage F - Unscheduled Farm Personal Property
    • Farm Coverage > Farm Property Coverage Form > Coverage G - Other Farm Structures
    • Farm Coverage > Farm Liability Coverage Form
    • Farm Coverage > Farm Liability Coverage Form > Coverage H - Bodily Injury and Property Damage Liability
    • Farm Coverage > Farm Liability Coverage Form > Coverage I - Personal and Advertising Injury Liability
    • Farm Coverage > Farm Liability Coverage Form > Coverage J - Medical Payments
    • Farm Coverage > Livestock Coverage Form
    • Farm Coverage > Mobile Agriculture Machinery and Equipment Coverage Form
    • Farm Coverage > Causes of Loss (Basic, Broad, and Special)
    • Farm Coverage > Exclusions
    • Farm Coverage > Additional Coverages
    • Farm Coverage > Limits of Insurance
    • Farm Coverage > Conditions
    • Farm Coverage > Definitions
  • Businessowners Policy
    • Characteristics and Purpose
    • Businessowners Section I - Property
    • Businessowners Section I - Property > Coverage
    • Businessowners Section I - Property > Exclusions
    • Businessowners Section I - Property > Limits of Insurance
    • Businessowners Section I - Property > Deductibles
    • Businessowners Section I - Property > Loss Conditions
    • Businessowners Section I - Property > General Conditions
    • Businessowners Section I - Property > Optional Coverages
    • Businessowners Section I - Property > Definitions
    • Businessowners Section II - Liability
    • Businessowners Section II - Liability > Coverages
    • Businessowners Section II - Liability > Exclusions
    • Businessowners Section II - Liability > Who is an Insured
    • Businessowners Section II - Liability > Limits of Insurance
    • Businessowners Section II - Liability > General Conditions
    • Businessowners Section II - Liability > Definitions
    • Businessowners Section III - Common Policy Conditions
    • Selected Endorsements
    • Selected Endorsements > Hired Automobile and Non-Owned Automobile Liability (BP 04 04)
    • Selected Endorsements > Protective Safeguards (BP 04 30)
    • Selected Endorsements > Utility Services - Direct Damage (BP 04 56)
    • Selected Endorsements > Utility Services - Time Element (BP 04 57)
  • Other Coverages and Options
    • Umbrella/Excess Liability Policies
    • Umbrella/Excess Liability Policies > Personal
    • Umbrella/Excess Liability Policies > Commercial
    • Umbrella/Excess Liability Policies > Boatowners
    • Ocean Marine Insurance
    • Ocean Marine Insurance > Major Coverages
    • Ocean Marine Insurance > Cargo Insurance
    • Ocean Marine Insurance > Freight Insurance
    • Ocean Marine Insurance > Protection and Indemnity
  • Workers' Compensation Insurance
    • Workers' Compensation Laws
    • Workers' Compensation Laws > Types of Laws
    • Workers' Compensation Laws > Monopolistic versus Competitive
    • Workers' Compensation Laws > Compulsory versus Elective
    • Workers' Compensation Laws > New Mexico Workers' Disability Compensation Act
    • Workers' Compensation Laws > Exclusive Remedy (RL 52-1-6)
    • Workers' Compensation Laws > Covered Injuries - (RL 52-1-11, 12, 19, 28)
    • Workers' Compensation Laws > Occupational Disease (RL 52-3-33)
    • Workers' Compensation Laws > Benefits Provided (RL 52-1-20, 25, 25.1, 26, 26.1, 40-44, 46, 49)
    • Workers' Compensation Laws > Federal Workers' Compensation Laws
    • Workers' Compensation Laws > Federal Employer Liability Act (FELA) (45 USC 51-60)
    • Workers' Compensation Laws > US Longshore and Harbor Workers' Compensation Act (33 USC 904)
    • Workers' Compensation Laws > The Jones Act (46 USC 688)
    • Workers' Compensation and Employers Liability Insurance Policy
    • Workers' Compensation and Employers Liability Insurance Policy > General Section
    • Workers' Compensation and Employers Liability Insurance Policy > Part One - Workers' Compensation Insurance
    • Workers' Compensation and Employers Liability Insurance Policy > Part Two - Employers Liability Insurance
    • Workers' Compensation and Employers Liability Insurance Policy > Part Three - Other States Insurance
    • Workers' Compensation and Employers Liability Insurance Policy > Part Four - Your Duties if Injury Occurs
    • Workers' Compensation and Employers Liability Insurance Policy > Part Five - Premium
    • Workers' Compensation and Employers Liability Insurance Policy > Part Six - Conditions
    • Workers' Compensation and Employers Liability Insurance Policy > Voluntary Compensation Endorsement
    • Premium Computation
    • Premium Computation > Job Classification - Payroll and Rates
    • Premium Computation > Experience Modification Factor
    • Premium Computation > Premium Discounts
    • Other Sources of Coverages
    • Other Sources of Coverages > Assigned Risk Pool Law (59A-33-1-15)
    • Other Sources of Coverages > Self-Insured Employers and Employer Groups (RL 52-1-4(A); 52-5-4.1; 52-6-1-25)

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