IBABC CAIB-3 Unterlage - CAIB-3 Fragen Antworten

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IBABC CAIB-3 Exam Syllabus Topics:

Section	Objectives
Risk Management and Underwriting	- Loss control and risk mitigation strategies - Commercial underwriting principles - Risk identification and assessment
Specialty Insurance Lines	- Crime Insurance and Fidelity Coverage - Surety Bonds - Ocean Marine and Aviation Insurance
Commercial Automobile Insurance	- Garage and fleet exposures - Commercial auto policy forms and coverages
Commercial General Liability Insurance	- Legal perspective and liability exposures - CGL policy structure, coverages, and endorsements

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CAIB-3 Fragen Antworten & CAIB-3 Online Tests

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IBABC Canadian Accredited Insurance Broker (CAIB 3) Exam CAIB-3 Prüfungsfragen mit Lösungen (Q15-Q20):

15. Frage
Does employee dishonesty coverage apply if the insured can not identify the employee responsible? Why or why not? (3 marks)

Antwort:

Begründung:
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.

16. Frage
What are three (3) of the primary insurer's needs that can be satisfied through reinsurance? (3 marks)

Antwort:

Begründung:
See the answer in Explanation below.
Explanation:
Three needs that reinsurance can satisfy are:
1. Increase the insurer's underwriting capacity.
2. Protect the insurer against large or catastrophic losses.
3. Stabilize the insurer's loss results from year to year.
Reference: CAIB 3 Training & Study Pack - Reinsurance: capacity, catastrophe protection and stabilization.

17. Frage
Your client has gross earnings coverage. Although many of his employees are unskilled, and therefore readily replaceable, your client wants to protect them in the event of an interruption. Which of the following options is available to your client? (1 mark)

A. Ordinary payroll can be covered for 180 days.
B. Both A) or C).
C. Ordinary payroll can be covered for 90 days.
D. Ordinary payroll can be covered for 120 days.

Antwort: B

Begründung:
Comprehensive Explanation: The ordinary payroll limitation can be arranged for either 90 days or 180 days.
Since both A and C are available options, D is the best answer. This allows an insured to continue ordinary payroll for the selected period after an insured business interruption.
Reference: CAIB 3 Training & Study Pack - Business Interruption: Gross Earnings and ordinary payroll limitation.

18. Frage
Which of the following best describes the insured's involvement in reinsurance? (1 mark)

A. The insured is unaware there is a reinsurer.
B. The insured must approve the reinsurer.
C. The insured is the one to engage a reinsurer.
D. The insured and insurer will discuss the reinsurer together.

Antwort: A

Begründung:
Comprehensive Explanation: Reinsurance is a contract between the primary insurer (cedent) and the reinsurer. The original insured is normally not a party to that contract and usually has no direct involvement with the reinsurer. The primary insurer remains responsible to the insured under the original policy.
Reference: CAIB 3 Training & Study Pack - Reinsurance: relationship between insured, cedent and reinsurer.

19. Frage
Which of the following most accurately describes the period of coverage for a cyber insurance policy? (1 mark)

A. Any of the above, depending on which is earliest.
B. The date when systems are restored.
C. The date when systems should have been restored.
D. A fixed time period, which can range from 30 days to 12 months following the date of loss, depending on the insurance policy.

Antwort: A

Begründung:
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.

20. Frage
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