1. New York law requires workers' compensation coverage for a domestic worker employed by the same household employer for at least:

40 hours per week (HO 24 93 can provide it)

Workers' Compensation Law 3 (Group 12) covers domestic workers employed by the same employer for a minimum of 40 hours per week; HO 24 93 Workers Compensation - Certain Residence Employees - New York adds that coverage.

2. When an insurer terminates a New York independent agent's contract, for homeowners policies still within the required policy period the insurer generally must:

Offer to continue them through the terminated agent for at least the next one-year policy period

Insurance Law 3425(j)(1)(A) requires the insurer to offer to continue personal lines policies for the rest of the required policy period and through the terminated agent for at least the next one-year period; it must also accept the agent's qualifying new business for 120 days.

3. Which endorsement on the New York 17-56 outline amends a homeowners policy to comply with New York law?

HO 01 31 Special Provisions - New York

The DFS 17-56 content outline lists HO 01 31 as Special Provisions - New York; the other choices are coverage endorsements (scheduled property, home business, replacement cost).

4. After a New York homeowners policy has been in force 60 days, which is a permitted ground for midterm cancellation?

Willful or reckless acts that increase the hazard

Insurance Law 3425(c)(2) lists the permitted grounds: nonpayment, crime conviction increasing the hazard, fraud or material misrepresentation, willful or reckless acts increasing the hazard, physical changes making the property uninsurable, and a Superintendent determination.