IIC Advanced Skills for the Insurance Broker and Agent 認定 C131 試験問題:

1. Sufi is a handywoman who regularly takes samples of her finished work to trade shows. Which coverage would Sufi's broker recommend for her samples?

A) Event liability coverage
B) Exhibition floater
C) Personal property coverage
D) Tool floater

2. For which prospective client should a broker conduct further risk analysis?

A) An independent adjuster, who requires errors and omissions coverage
B) A small business owner requesting an insurance package identical to the one she currently has
C) A retail store owner, who only has the one potential source of profit
D) A hardware store owner, who also delivers and assembles closets himself

3. Davies Architect has opened two new offices in the last quarter. Its recent claims history includes a break-in at its head office a month ago and legal action against the firm due to a structural mistake made by the architect and engineer six months ago. The firm's insurance broker is reviewing its current insurance program, and the renewal date is in two months. Due to stable market conditions, there have been no recent changes made by insurers to policy wordings or pricing. The firm has been very cooperative with providing information. Briefly discuss how the broker would review the renewal for this architectural firm.

4. Insurance premiums on automobile fleet policies are based on which factor?

A) Driving record of the individual drivers
B) Original purchase price of all vehicles in the fleet
C) Overall experience of all drivers
D) Mechanical condition of a vehicle from one particular fleet

5. Two agents are discussing artificial intelligence being used more frequently in Canadian industries. They are enthusiastic to write these risks on behalf of their employer, who has relaxed its guidelines on niche risks.
Which type of market are they likely in?

A) Strong market
B) Hard market
C) Weak market
D) Soft market

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