専門家と他の作業スタッフの熱心な献身により、当社のCAIB-3学習教材はより成熟し、困難に立ち向かうことができます。 CAIB-3準備試験は、業界で高い合格率を達成しており、CAIB-3試験問題では、絶え間ない努力で常に99％の合格率を維持しています。私たちは、このようなスターのような人物の背後に、当社からの大量投資を受け入れていることを認めなければなりません。当社の設立以来、私たちはCAIB-3試験資料に大量の人材、資料、資金を投入しました。
| Section | Objectives |
|---|---|
| Business Interruption Insurance | |
| Directors' and Officers' Liability Insurance | |
| Reinsurance | |
| Marine Insurance | |
| Surety Bonding | |
| Aviation Insurance | |
| Crime Insurance | |
| Risk Assessment for Advanced Commercial Risks | |
| Cyber Insurance |
試験の概要は毎年新しいポリシーに基づいて変更され、CAIB-3質問トレントおよびその他の教育用ソフトウェアは、新しい試験の概要の後、シラバスおよび理論と実践の最新の開発および改訂に従って変更されます対応する変更は、アウトラインに非常に同意します。 CAIB-3試験問題は、教材の完全なセットの完璧な形です。教育概要は、カバーされているすべての知識ポイントの概要を網羅し、CAIB-3候補者のデッドアングルは、毎年の提案範囲と傾向を示します。
質問 # 20
DEFINE: FIXED EXPENSES (BUSINESS INTERRUPTION) (1 mark)
正解：
解説：
See the answer in Explanation below.
Explanation:
Fixed expenses are expenses that continue during a business interruption and do not change directly with the level of sales or production. Examples include rent, property taxes, insurance and certain salaries.
Reference: CAIB 3 Training & Study Pack - Business Interruption: continuing and fixed expenses.
質問 # 21
A) Which of the following coverages is for paying, "all amounts that you are legally obligated to pay to a person, other than a passenger, for bodily injury or property damage" arising out of the "use, ownership, or maintenance of the aircraft?" Please provide the full name. (1 mark) B) Provide two (2) examples of what this coverage can be extended to include? (2 marks) (3 marks)
正解：
解説：
See the answer in Explanation below.
Explanation:
A) Liability Coverage - Bodily Injury and Property Damage to Third Parties.
B) Two examples of extensions are:
1. Damage to aircraft hangars or premises leased or occupied by the insured.
2. Emergency service expenses, such as runway foaming, fire/crash rescue or search and rescue.
Reference: CAIB 3 Training & Study Pack - Aviation Insurance: Third-Party Bodily Injury and Property Damage Liability and extensions.
質問 # 22
A primary insurer was offered a risk requiring $100 million of insurance, but only had capacity to underwrite
$40 million, so they opted for facultative reinsurance.
A) If the risk is reinsured using pro rata facultative insurance, how much of the coverage would belong to the primary insurer and how much does the reinsurer take on? (2 marks) B) What would it mean if they chose to use excess-of-loss facultative reinsurance instead? (1 mark) (3 marks)
正解：
解説：
See the answer in Explanation below.
Explanation:
A) The primary insurer would retain $40 million and the reinsurer would take $60 million. Under pro rata reinsurance, premiums and losses are shared in the agreed proportion.
B) With excess-of-loss reinsurance, the primary insurer would pay losses up to its $40 million retention, and the reinsurer would pay the amount above $40 million, up to the agreed reinsurance limit.
Reference: CAIB 3 Training & Study Pack - Reinsurance: facultative, pro rata and excess-of-loss reinsurance.
質問 # 23
An important step in the risk management process is selecting the proper risk management techniques. This procedure relies on the ability of the risk manager to forecast.
A) Identify two (2) forecasts which must be conducted if the organization is to establish meaningful priorities in treating loss exposures. (2 marks) B) Once forecasting has been done, each alternative risk management technique is assessed in accordance with two (2) selection criteria. Identify those criteria. (1 mark) (3 marks)
正解：
解説：
See the answer in Explanation below.
Explanation:
A) Two required forecasts are:
1. The expected frequency and severity of losses.
2. The effect that different risk control and risk financing techniques will have on the frequency, severity and predictability of those losses.
B) The two selection criteria are Effectiveness and Economy.
A third forecast used in the CAIB process is the cost of the risk management techniques.
Reference: IBAC CAIB 3 Student Resource Guide (2013), Chapter 6 - Step Three: Select Risk Management Technique(s), Forecasting, reference p. 6-23.
質問 # 24
From a risk management perspective, every loss exposure has three dimensions. What are the three (3) dimensions? (1 mark)
正解：D
解説：
Comprehensive Explanation: CAIB risk management analyzes a loss exposure by looking at the type of value exposed, the peril that could cause the loss, and the possible financial consequences. Frequency and severity are important later when the financial consequences are analyzed, but they are not the three dimensions asked for here.
Reference: IBAC CAIB 3 Student Resource Guide (2013), Chapter 6 - Risk Management, loss exposure dimensions, reference p. 6-3.
質問 # 25
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