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

1. A property manager needs to insure the potential loss of revenue if his commercial property under construction is destroyed before its completion and occupancy. What would the intermediary request from the insurer?

A) Customized wordings
B) Underwriting manual
C) Production policy
D) Contingent by-laws endorsement

2. How can a broker BEST investigate a roofing contractor's operations to identify liability exposures?

A) Ask the client what type of claims they are worried about
B) Read reviews on the contractor's website
C) Ask the client to detail what a typical project involves
D) Speak with past customers of the contractor

3. A real estate investment trust is a long-term client of Best Brokerage. The REIT intends to tear down one unused warehouse and build an apartment in its place. The risk manager requests insurance coverage for the project, wants to avoid a significant increase in premium, and does not want to include cost overruns.
a) Briefly discuss how the limits of insurance of this project will be determined, and what type of costs are included in the limit.
b) Should the risk manager exclude cost overruns from the limit of insurance? Explain your answer.

4. What type of liability policy would cover a product liability exposure arising from an error in the manufacturing design of a product?

A) Architect's liability
B) Garage liability
C) Directors and officers liability (D & O)
D) Commercial general liability (CGL)

5. 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

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