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78. Frage
Tara calls their Broker to advise them that, whilst Tara was driving home from work, a deer jumped across the road and hit their car causing significant damage. Which coverage does this claim fall under?
Antwort: C
Begründung:
The correct answer is D . Under Ontario auto insurance, damage caused by impact with an animal , such as a deer, falls under Comprehensive coverage rather than Collision. The OAP 1 explains that Comprehensive covers loss or damage caused by a list of specified perils, including "the stranding, sinking, burning, derailment or collision of any conveyance in or upon which the automobile is being carried" and, importantly for this question, "missiles, falling objects, fire, theft, explosion, earthquake, windstorm, hail, rising water, malicious acts, riot or civil disturbance, and the impact with an animal or with birds." That makes A incorrect because while animal impact is also one of the named perils within the broader physical damage section, the question asks which coverage the claim falls under on the policy, and the standard answer is Comprehensive . B is wrong because Accident Benefits applies to injury-related benefits, not damage to the insured vehicle. C is wrong because Liability covers damage or injury the insured causes to others, not damage to the insured's own automobile.
From a RIBO exam perspective, remember this distinction: hitting another vehicle or object is usually Collision, but striking an animal is Comprehensive under the OAP 1.
79. Frage
An insured requests that the limit of liability in their automobile policy O.A.P. 1 Owner's Policy be reduced.
What is the minimum amount that must be carried under Ontario law?
Antwort: B
Begründung:
The correct answer is A . Under Ontario's OAP 1 Owner's Policy , the mandatory minimum Third Party Liability limit is $200,000 inclusive for bodily injury and property damage arising from one accident. The OAP 1 itself states under Section 3 that the insurer will pay up to the liability limit shown on the Certificate, and that the minimum liability limit permitted by law is $200,000 inclusive .
This is also consistent with Ontario consumer guidance. FSRA explains that every standard auto policy in Ontario includes third-party liability coverage , and that the minimum required amount is $200,000 , although many consumers choose higher limits such as $1 million or $2 million for better protection.
That makes B incorrect because $100,000 is below the legal minimum. C is incorrect because Ontario auto liability under the OAP 1 is not written as separate minimum bodily injury and property damage limits in that way for the standard policy. D is also incorrect because $500,000 may be available, but it is not the minimum required by law.
From a RIBO exam perspective, remember: Ontario's legal minimum third-party liability limit is $200,000 inclusive , even though brokers should often discuss recommending higher limits based on the client's exposure.
80. Frage
Bob is operating a restaurant in downtown Toronto. He always keeps cleanliness of the restaurant and safety of his customers in mind. Angela, whose left leg was in a cast, visited the restaurant. She slipped and fell and injured herself. If Angela files a lawsuit against the restaurant, what type of liability is this?
Antwort: B
Begründung:
This scenario focuses on Occupiers' Liability and the classification of business risks within the Risk Identification and Assessment competency. In the insurance industry, when a third party (like a customer) suffers bodily injury or property damage on a business's premises, the exposure is covered under a Commercial General Liability (CGL) policy.
Under the RIBO Level 1 Blueprint, a broker must distinguish between different "legal personas." Because Bob is operating a restaurant (a commercial venture), the liability arises from his role as a business owner
/occupier. Commercial General Liability (A) is designed specifically for this "Premises and Operations" risk.
It covers the legal costs to defend the business and the compensatory damages awarded to the plaintiff if the business is found negligent.
Even though Bob prioritizes cleanliness, the court will determine if he met the Standard of Care required under theOccupiers' Liability Act. Factors such as the floor's condition and whether Angela's existing injury (the cast) made her more vulnerable will be scrutinized.
Option B is incorrect as no motor vehicle was involved. Option C (Contract) relates to breaches of specific agreements rather than unintentional torts (negligence). Option D (Personal Liability) is for private individuals in their non-business lives (e.g., at home); since this occurred at a place of business, personal liability does not apply.
The broker's role in Consulting and Advising is to ensure that commercial clients like Bob carry sufficient CGL limits. A single slip-and-fall lawsuit in a downtown Toronto location can easily reach hundreds of thousands of dollars in legal fees and settlements. This knowledge is essential for Relationship Management, as it allows the broker to explain how the CGL policy acts as a financial shield for the business's assets, ensuring Bob can continue operations despite the litigation.
81. Frage
An insured has incurred $24,000 in claims and has $40,000 in earned premiums. What is the insured's loss ratio?
Antwort: B
Begründung:
The correct answer is B because the loss ratio is calculated by dividing incurred claims by earned premium .
In this question:
Loss Ratio = $24,000 ÷ $40,000 = 0.60
This means the insured's loss ratio is 0.60 , which is the same as 60% when converted to a percentage. Since the answer choices appear to use the decimal form rather than the properly stated percentage form, B is the intended exam answer.
This is an important calculation in insurance because loss ratio helps measure how a risk is performing. A higher loss ratio means a larger portion of premium is being used to pay claims, which may affect underwriting decisions, pricing, renewal terms, or market appetite. In commercial insurance, brokers should understand this concept because insurers use it when reviewing accounts, especially for experience-rated or loss-sensitive business.
Why the others are wrong: A is far too low, C would mean claims exceed premium, and D reflects only 6%, which does not match the math. From a RIBO perspective, this question tests basic broker numeracy and understanding of underwriting performance indicators. Always remember: loss ratio = losses ÷ earned premium .
82. Frage
Who is protected by the "Standard Mortgage Clause" in a property insurance policy?
Antwort: C
Begründung:
The correct answer is B . In property insurance, the Standard Mortgage Clause is designed primarily to protect the mortgagee , meaning the lender that has a financial interest in the property. This clause gives the lender important protection even if the insured homeowner does something that might otherwise prejudice coverage, such as a breach of condition or misrepresentation by the owner. In practice, it creates a separate contractual protection in favor of the mortgagee.
Among the choices given, B is the best answer because it includes the one who lends the money , which is the core purpose of the clause. It also reflects that the clause sets out rights and obligations involving the insurer and the mortgagee, such as notice requirements and recovery/subrogation rights after payment. By contrast, A is incorrect because the borrower is not the party specially protected by this clause. C is incorrect because the insured already has protection under the policy generally; the Standard Mortgage Clause exists to protect the lender's distinct interest. D alone is incomplete because the clause is not mainly there for the insurer's benefit.
IBC consumer guidance states that lenders are protected under a Standard Mortgage Clause in the policy, which aligns directly with this answer
83. Frage
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