CertShiken提供した商品の品質はとても良くて、しかも更新のスピードももっともはやくて、もし君はIBABCのCAIB-3の認証試験に関する学習資料をしっかり勉強して、成功することも簡単になります。
| Section | Objectives |
|---|---|
| Aviation Insurance | |
| Surety Bonding | |
| Cyber Insurance | |
| Marine Insurance | |
| Directors' and Officers' Liability Insurance | |
| Business Interruption Insurance | |
| Reinsurance | |
| Risk Assessment for Advanced Commercial Risks | |
| Crime Insurance |
現代の競争が激しくても、受験者がCAIB-3参考書に対するニーズを止めることができません。CAIB-3参考書についてもっと具体的な情報を得るために、CertShiken会社のウエブサイトを訪問していただきます。そうすれば、実際のCAIB-3試験についての情報と特徴を得ることができます。興味を持つお客様はIBABC会社のウエブサイトから無料でデモをダウンロードできます。
質問 # 40
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 # 41
Does employee dishonesty coverage apply if the insured can not identify the employee responsible? Why or why not? (3 marks)
正解：
解説：
See the answer in Explanation below.
Explanation:
Yes, coverage can still apply even if the exact employee cannot be identified. The insured must be able to prove that the loss was caused by the dishonest act of one or more employees. An unexplained inventory shortage by itself may not be enough proof.
Reference: CAIB 3 Training & Study Pack - Crime Insurance: Employee Dishonesty and proof of loss.
質問 # 42
Which of the following most accurately describes the period of coverage for a cyber insurance policy? (1 mark)
正解：D
解説：
Comprehensive Explanation: For cyber business interruption, the restoration period can end when systems are actually restored, when they should reasonably have been restored, or when the maximum time period stated in the policy is reached. The earliest applicable point normally controls, so D is the best answer.
Reference: CAIB 3 Training & Study Pack - Cyber Insurance: business interruption and period of restoration.
質問 # 43
While very similar, there are some key differences between the coverages provided under the profits form and the gross earnings form. Name three (3) of those key differences. (3 marks)
正解：
解説：
See the answer in Explanation below.
Explanation:
1. Gross Earnings coverage normally ends when the damaged property is repaired, rebuilt or replaced. The Profits Form can continue until the business income returns to the level it would have reached, subject to the selected indemnity period.
2. Under Gross Earnings, delays caused by the insured or other people involved can reduce the claim. Under the Profits Form, the focus is on delays for which the insured is responsible.
3. The Profits Form can cover income loss caused by delays in complying with building by-laws, while the Gross Earnings Form does not cover that additional delay in the same way.
Reference: CAIB 3 Training & Study Pack - Business Interruption: Gross Earnings Form compared with the Profits Form.
質問 # 44
DEFINE: RETROCESSION (1 mark)
正解：
解説：
See the answer in Explanation below.
Explanation:
Retrocession is reinsurance of reinsurance. It occurs when a reinsurer transfers part of the risk it has accepted to another reinsurer, called the retrocessionaire.
Reference: CAIB 3 Training & Study Pack - Reinsurance: retrocession and retrocessionaire.
質問 # 45
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