NY P&C WORKSHEETS

Listen-along worksheets

One sheet per episode. Fill the blanks while you listen — writing while hearing is what moves facts into closed-book memory. Blanks appear in the same order as the audio. When Daniel quizzes, pause and write your answer before Samantha gives it. Finish with the 30-second teach-back, out loud.

Episode 1 — Homeowners I: Forms & Section I

Your practice score on this: 0/6. Target: 6/6.

Catch the facts

  1. The most commonly sold form, open perils on the building + named perils on contents, is the HO-, with named perils on personal property.
  2. The broadest form (open perils on everything): HO-. The renters form: HO-. Condo owners: HO-. Older homes: HO-.
  3. Coverage B = % of A · Coverage C = % of A · Coverage D = % of A.
  4. Coverage C applies in the world.
  5. Special limits — money: $ · jewelry theft: $ · firearms theft: $ · silverware theft: $.
  6. Two perils NEVER covered without separate policies/endorsements: and .
  7. Trees/shrubs: max $ per tree; ordinance or law additional coverage: % of A.
🗣 Teach-back (30s): Explain to an imaginary client why their $4,000 watch needs a floater, using the words "special limit" and "scheduled."
Answer key

HO-3, 16 perils · HO-5 broadest, HO-4 renters, HO-6 condo, HO-8 older homes · B 10%, C 50%, D 30% · anywhere · $200, $1,500, $2,500, $2,500 · flood and earthquake (earth movement) · $500 per tree, 10% ordinance.

Episode 2 — Homeowners II: Liability, Conditions, Dwelling

Section II is identical in every HO form.

Catch the facts

  1. Coverage E minimum limit: $ per occurrence. Coverage F minimum: $ per person.
  2. Coverage F pays expenses incurred within years, and never pays the or regular residents.
  3. Exclusion counts: shared / E-only / F-only.
  4. Damage to Property of Others: up to $, even without liability; intentional damage OK if the child is under age .
  5. Sworn proof of loss due within days of request. Replacement cost requires insuring to % of value.
  6. DP-1 named perils: , , — settled at .
  7. An unendorsed dwelling policy contains no and no coverage.
🗣 Teach-back: Coverage E vs Coverage F in two sentences — the words you need are "legally liable" and "regardless of fault."
Answer key

$100,000 · $1,000 · 3 years, insured · 12/6/4 · $1,000, under 13 · 60 days, 80% · fire, lightning, internal explosion, ACV · theft, liability.

Episode 3 — NY Auto: No-Fault, MVAIC, SUM

Biggest point pool on the exam. Chant the numbers.

Catch the facts

  1. Liability minimums: //; death limits /.
  2. Basic economic loss: $ per person. Wages: % up to $/month for years. Other expenses: $/day for 1 year. Death benefit: $.
  3. OBEL adds $. Riders of are excluded from no-fault.
  4. Reg 68 clocks — claim notice: days · medical bills: days · wage proof: days · insurer pays/denies in days.
  5. UM is mandatory at /, bodily injury only. SUM max: /.
  6. MVAIC: police report in hours; Notice of Intention days (hit-and-run) or days (identified).
  7. Cancellation: underwriting window days; after that only nonpayment ( days notice), license suspension, or . Nonrenewal notice: – days.
🗣 Teach-back: Recite the whole no-fault package from memory: 50k → 80% → 2k/mo → 3yr → $25/day → $2k death.
Answer key

25/50/10, 50/100 · $50,000; 80%, $2,000, 3 years; $25/day; $2,000 · $25,000; motorcycles · 30 / 45 / 90 / 30 · 25/50; 250/500 · 24 hours; 90; 180 · 60 days; 15; fraud/material misrepresentation; 45–60.

Episode 4 — The Personal Auto Policy

Parts and traps.

Catch the facts

  1. Part A = · B = · C = · D = .
  2. Defense costs are paid the limits.
  3. Hitting a deer = coverage. Swerving into a tree = .
  4. Deductibles apply ONLY to Part .
  5. Additional new vehicles: report within days (physical damage with no prior carrier: days).
  6. Territory includes the U.S., Puerto Rico and — but not .
  7. Borrowed car: the policy is primary. Constructive total loss at roughly % of ACV.
🗣 Teach-back: Explain "coverage follows the car" with the borrowed-car example.
Answer key

Liability, Medical Payments, Uninsured Motorists, Damage to Your Auto · in addition to · other-than-collision; collision · D · 14; 4 · Canada; Mexico · vehicle owner's; 75–80%.

Episode 5 — Commercial Auto

The symbol system is the whole game.

Catch the facts

  1. Symbol 1 = · 2 = · 7 = · 8 = · 9 = · 19 = .
  2. Physical damage symbols: , , , , .
  3. The garage policy is only for ; its symbols run –.
  4. Customers' cars in a shop's care = coverage; the no-fault-needed, first-dollar option is direct .
  5. Truckers form retired in for the form.
  6. Trailer interchange covers damage to trailers. Federal filing endorsement: MCS- (limits $k–$M).
🗣 Teach-back: A florist owns no vans but employees deliver in their own cars — name the two symbols and the endorsement family that solve it.
Answer key

any auto; owned; specifically described; hired; nonowned; registered mobile equipment · 2,3,4,7,8 · dealers; 21–31 · garagekeepers; primary · 2010; Motor Carrier · others'/other carriers'; 90; 750; 5.

Episode 6 — Workers Comp + DBL

Your score: 0/6. All six are numbers.

Catch the facts

  1. WC benefits are paid regardless of ; the trade is the remedy doctrine.
  2. NY's state fund NYSIF is (not monopolistic). Monopolistic states: , , , .
  3. Wage benefit: of AWW · waiting days · retroactive past days · first payment within days. Medical is .
  4. Part One limit: . Part Two (employers liability) basic limits: $k / $k / $k. The insured is the only.
  5. Premium: rate per $ of payroll × experience (1.0 = average), settled by year-end .
  6. Jones Act = · FELA = workers · LHWCA = workers.
  7. DBL (off the job): % of wages, max $/week, weeks, -day wait.
🗣 Teach-back: Skiing accident vs office accident — which system, which formula, out loud.
Answer key

fault; exclusive · competitive; ND, OH, WA, WY · two-thirds (66⅔%); 7; 14; 18; unlimited · none/statutory; 100/500/100; employer · $100; modification factor; audit · seamen; railroad; longshore/harbor · 50%; $170; 26; 7.

Episode 7 — NY Property Law: Cancellation, FAIR, ELANY

None of this was in your workbook. All of it is on the exam.

Catch the facts

  1. Underwriting window: first days · cancel notice days ( for nonpayment).
  2. After the window, homeowners get a -year required policy period.
  3. Valid mid-term grounds: nonpayment, or material misrepresentation, hazard-increasing /conduct, property becoming .
  4. Nonrenewal notice: – days. Commercial nonrenewal: days.
  5. Anti-arson application required in .
  6. The NY FAIR plan is called ; it sells fire + extended coverage at value — never or theft.
  7. Excess lines: declinations → affidavit to ; skip it if the risk is on the list; NO fund protection.
  8. Security Fund pays up to $ per claim.
🗣 Teach-back: Walk through what an insurer must do to legally get off a homeowners risk it no longer wants, year 2 of the policy.
Answer key

60; 20; 15 · three · fraud; crime; uninsurable · 45–60; 60 · New York City · NYPIUA; actual cash; liability · three; ELANY; export; security/guaranty · $1 million.

Episode 8 — Liability & CGL

Concepts that leak into every section.

Catch the facts

  1. Negligence elements: , , , .
  2. Measurable losses = damages; pain & suffering = damages.
  3. NY follows negligence — recovery shrinks by your fault %.
  4. CGL Coverage A = · B = · C = .
  5. Occurrence form: the date controls. Claims-made: the date, after the date.
  6. Basic ERP: days / years, automatic. Supplemental ERP: , by endorsement.
  7. Separate aggregates: general + . Damage to premises rented: $k. Med expense: $k.
  8. Damage to your own is excluded. Host liability stays covered for non-alcohol businesses.
🗣 Teach-back: Occurrence vs claims-made in 3 sentences, ending with what a retro date does.
Answer key

duty, breach, proximate cause, damages · special; general · comparative · BI/PD; personal & advertising injury; medical payments · injury/occurrence; claim; retroactive · 60; 5; unlimited · products-completed operations; 100; 5 · product/work; liquor.

Episode 9 — The BOP

Eligibility is the ballgame.

Catch the facts

  1. Caps: sq ft · $M gross sales · offices ≤ stories.
  2. Banned businesses (name 4): , , , .
  3. Property basis: perils at cost; coinsurance: .
  4. Seasonal BPP increase: %. Business income: automatic, months actual loss.
  5. Vacancy > days: vandalism/theft/glass excluded, other losses cut %.
  6. BP 04 30 = (a condition!) · BP 04 56 vs 04 57 = utility vs · BP 04 04 = auto liability · BP 14 01 identity fraud, $ deductible.
🗣 Teach-back: Why does the corner bar need a CPP while the bookstore next door gets a BOP?
Answer key

35,000; 6; 6 · manufacturers, bars/pubs, auto dealers/repair/stations, banks (also parking, amusement) · open; replacement; none · 25%; 12 · 60; 15% · protective safeguards; direct damage vs time element; hired & nonowned; $250.

Episode 10 — Bonds, Crime & Farm

Bonds were 0/3. The three-party skeleton fixes it.

Catch the facts

  1. Bond parties: performs · is protected · pays and then collects from the .
  2. Sureties expect losses; bonds are non.
  3. Contract trio: bond (signs at bid price) · bond (completes the work) · bond (subs get paid, no liens).
  4. Fidelity bonds guarantee employee .
  5. Crime form: insuring agreements; employee theft is coverage by default; forgery coverage applies to (not employees).
  6. Burglary requires ; robbery requires .
  7. Farm liability letters: H = · I = · J = . A stand selling the farm's produce is still "farming."
🗣 Teach-back: Contractor defaults mid-project AND stiffs the plumber — name both bonds that respond and who collects.
Answer key

principal; obligee; surety; principal · no; cancellable · bid; performance; payment · honesty/dishonesty protection · eight; blanket; outsiders/non-employees · forcible entry; violence or threat · BI/PD; personal & advertising injury; medical payments; roadside.

Episode 11 — Inland Marine, Flood, Equipment Breakdown

Short topics, pure numbers.

Catch the facts

  1. Floaters cover property that ; personal floaters are perils, scheduled values, no .
  2. Biggest commercial floater class: equipment, written at .
  3. Bailees customers coverage pays even without .
  4. Cargo tossed to save the ship = average, shared by all.
  5. SFHA flood chance: % per year. Waiting period: days.
  6. NFIP limits — residential: $k / $k · commercial: $k / $k. Replacement cost only for a single-family residence.
  7. Equipment breakdown covers boiler explosion + breakdown; RC if repaired within months; insurer can coverage immediately on finding danger.
🗣 Teach-back: The walk-in freezer dies from a seized compressor — which policy, which option covers the spoiled food, and why not the property form?
Answer key

moves; open; deductible · contractors; ACV · legal liability · general · 1%; 30 · 250/100; 500/500; primary · mechanical/electrical; 24; suspend.

Episode 12 — Regulation, Licensing & A&H

The 0/2 regulation section + the A&H ten.

Catch the facts

  1. NY's regulator: the of the Department of .
  2. License term: years · CE: credits incl. law, ethics, .
  3. Agents represent the and can ; brokers represent the .
  4. Temporary license: -day blocks up to months, no business.
  5. Rebating penalty: up to $ per violation. Misleading replacement = .
  6. Reg 64: acknowledge, investigate, send forms — each within business days.
  7. Security fund: $ per claim. Felony-dishonesty workers need the regulator's consent (18 USC 1033).
  8. HMO = doctor controls referrals. Medicare A = , B = . Medigap open enrollment: months from Part B at 65+.
  9. DBL one more time: % / $ / weeks.
🗣 Teach-back: Client asks "what happens if my insurance company goes bankrupt?" — answer like a licensed broker.
Answer key

Superintendent; Financial Services · 2; 15; diversity · insurer; bind; insured · 90; 15; new · $500; twisting · 15 · $1 million; written · gatekeeper/primary care; hospital; medical; 6 · 50%; $170; 26.

Episode 13 — The Trap Room

Built from your review PDF — the rules you actually missed.

Catch the facts

  1. EXCEPT-question technique: read it as four / statements and hunt the friend.
  2. Repair/replace option: insurer's written notice within days after receiving the .
  3. HO liability covers a ride-on ; never cars, pickups, or .
  4. Recovered property: keep the or keep the — never both. Appraisal binds when any of the three agree.
  5. Friendly fire = burns where ; only fires are covered.
  6. Newly acquired auto = one you , under lbs; no physical damage on any car → only days automatic.
  7. After-market electronics cap: $. Glass-with-collision avoids two .
  8. Custom covered-auto group = symbol . Coworker injures coworker in company van = exclusion.
  9. WC Part Four = your . Second injury fund encourages hiring workers with . NY comp exempts employees.
  10. Liquor liability's unique exclusion: no required . NY claims-made: automatic ERP up to days, notice within .
  11. BOP additional coverages never include flood, , or . Melted inventory from a dead compressor = exclusion.
  12. Financial institution bond loan loss: collusion + improper benefit ≥ $. Public official bond pays only what the official is financially to repay. Counterfeit money abroad needs a there.
  13. Producer records: years. Appointment termination notice to Superintendent: days. Life prelicensing: hours.
  14. Stated amount pays the of listed amount or ACV; agreed value pays the amount.
  15. Comprehensive major medical covers hospital AND fees; Medigap outline delivered at .
🗣 Teach-back: Explain to an imaginary study partner how to attack an "all of the following EXCEPT" question, using the negligence-elements example.
Answer key

true/false; false · 30; sworn proof of loss · mower; motorcycles · money; property; two · intended; hostile · own/become owner of; 10,000; 4 · $1,000; deductibles · 10; fellow employee · duties; preexisting disabilities; casual · license; 60; 30 · earthquake; nuclear; mechanical breakdown · $2,500; able; branch office · 6; 30; 20 · lesser; listed · physician; application.

Episode 14 — The Statute Files

The NY law layer your exam is written from.

Catch the facts

  1. Fraud penalty: $ + the . Inquiry non-response: $/day to $. Late annual statement: $/day to $, due 1.
  2. Rebating gift cap $ · records years · appointment termination notice days.
  3. Prelicensing: P&C hrs · life hrs (the statute number!).
  4. Temp licenses: standard -day terms · military -month · title days and CAN write business.
  5. Claims accepted/denied within working days.
  6. Photo inspection: days before / days after, or coverage suspends.
  7. TNC on-trip limit: $ · tow truck: $ CSL · assigned risk liability: //.
  8. FAIR plan: max $ · directors · rates –% of voluntary · appeals days.
  9. NY HO: credit card $ · vacancy glass dies at days · mandatory WC endorsement HO except forms and .
  10. Commercial nonrenewal window: – days · conditional renewal = premium up more than %.
  11. NY claims-made: automatic ERP days · notice within · buyable tail ≥ years.
  12. Dependent ladder: / student / medical / rider through . Newborns covered from .
  13. Conversion window days · auto-reinstatement day · individual A&H cancellable only first days.
🗣 Teach-back: Recite the FAIR plan's five numbers ($1.5M, 13, 1 year, 120-140%, 30 days) as if briefing a client whose coverage just got nonrenewed at the coast.
Answer key

$5,000 + claim; $500/$10k; $250/$25k; March · $25; 6; 30 · 90; 40 · 90; 6; 180; new · 30 · 10; 14; physical damage · $1.25M; $300k; 50/100/10 · $1.5M; 13; 120-140%; 30 · $1,000; 30; 24 93; HO-4, HO-6 · 60-120; 10% · 60; 30; 3 · 19/23/26/29; birth · 60; 45; 90.