ITDumpsKR이 바로 아주 좋은IIC C131인증시험덤프를 제공할 수 있는 사이트입니다. ITDumpsKR 의 덤프자료는 IT관련지식이 없는 혹은 적은 분들이 고난의도인IIC C131인증시험을 패스할 수 있습니다. 만약ITDumpsKR에서 제공하는IIC C131인증시험덤프를 장바구니에 넣는다면 여러분은 많은 시간과 정신력을 절약하실 수 있습니다. 우리ITDumpsKR 의IIC C131인증시험덤프는 ITDumpsKR전문적으로IIC C131인증시험대비로 만들어진 최고의 자료입니다.
| Section | Objectives |
|---|---|
| Topic 1: Risk Management | - Monitoring and modifying risk management plans - Analyzing risk exposures - Insurance in a risk management plan - Selecting risk techniques |
| Topic 2: Liability Insurance | - Commercial and general liability concepts |
| Topic 3: Property Insurance Coverages | - Property coverages fundamentals |
| Topic 4: Specialized Insurance Lines | - Contractors insurance - Manufacturers, distributors, freight forwarders - Crime and bonds - Automobile insurance - Builders risk insurance |
ITDumpsKR의 경험이 풍부한 IT전문가들이 연구제작해낸 IIC인증 C131덤프는 시험패스율이 100%에 가까워 시험의 첫번째 도전에서 한방에 시험패스하도록 도와드립니다. IIC인증 C131덤프는IIC인증 C131최신 실제시험문제의 모든 시험문제를 커버하고 있어 덤프에 있는 내용만 공부하시면 아무런 걱정없이 시험에 도전할수 있습니다.
질문 # 25
An individual who uses public transit rather than buying a car is managing their risk using which risk management technique?
정답：D
설명：
The correct answer is A. Avoiding risk . Risk avoidance means eliminating an activity or exposure so that the related risk does not arise. If an individual chooses not to buy a car and instead uses public transit, they avoid many risks associated with vehicle ownership and operation. These may include collision damage, theft of the vehicle, automobile liability, maintenance costs, driver injury, regulatory obligations, insurance premiums, and depreciation. The person still faces some transportation-related risk, such as injury while using public transit, but they have avoided the specific risks of owning and driving a private automobile. Separating risk means spreading assets or operations so one loss does not affect everything, such as storing inventory in multiple warehouses. Retaining risk means accepting and paying losses personally, such as choosing a high deductible or self-insuring. Transferring risk means shifting financial consequences to another party through insurance or contract. The key fact is that the individual does not engage in the risky activity at all. That is avoidance. Course topic reference: Risk Management; Selecting Risk Techniques; Risk Avoidance; Automobile Ownership Exposure .
질문 # 26
What type of property would be covered by mercantile stock burglary coverage under a crime insurance policy?
정답：B
설명：
The correct answer is A. Furniture . Mercantile stock burglary coverage is a crime coverage designed to insure certain business property against burglary. It generally applies to stock, equipment, fixtures, and similar tangible commercial property located at the insured premises, subject to policy wording. Furniture falls within the type of physical business property that may be insured under this coverage. The other options are deliberately different because cheques, securities, and paper currency are forms of money or financial instruments. These are normally handled under separate crime coverages such as money and securities, inside
/outside robbery, safe burglary, employee dishonesty, forgery, or securities coverage, depending on the form.
Mercantile stock burglary is not intended to be a broad money coverage. The broker must distinguish between burglary of stock or business contents and theft of money or securities because using the wrong coverage form can leave a client uninsured. In practical terms, a store's furniture or stock may fall under mercantile burglary, while cash, cheques, and securities require separate crime protection. Course topic reference:
Automobile, Crime, and Bonds; Crime Insurance; Mercantile Stock Burglary; Money and Securities Exclusions .
질문 # 27
Which person would be hired by another contractor, because of her experience in a particular trade, to complete a portion of a larger project?
정답：C
설명：
The correct answer is C. Subcontractor . A subcontractor is hired by a contractor to perform a specific portion of a larger project, usually because the subcontractor has specialized skills, tools, employees, certifications, or trade experience. In construction, a general contractor may hire subcontractors for electrical work, plumbing, roofing, drywall, excavation, concrete, HVAC, glazing, or other specialized project components. The subcontractor does not usually control the whole project; instead, they complete their assigned scope under contract. This distinction matters for insurance because subcontractors create liability, contractual, workers' compensation, wrap-up liability, completed operations, and certificate-of-insurance issues. A contractor hiring a subcontractor should require proof of liability insurance, workers' compensation clearance, contractual indemnity, and possibly additional insured status. An inspector reviews or verifies work but does not normally perform part of the project. A consultant provides advice or technical expertise, but may not complete construction work. A project manager coordinates the project, schedule, budget, and trades, but is not necessarily hired to perform a particular trade. Course topic reference: Contractors; Construction Operations; Subcontractors; Contractual Risk Transfer; Liability Exposures .
질문 # 28
The question of whether an employee might convert cash or cheques for her own use would be considered when underwriting which policy coverages?
정답：A
설명：
The correct answer is A. Crime . The phrase "convert cash or cheques for her own use" refers to employee dishonesty, theft, fraud, or misappropriation. These are classic crime insurance exposures. Crime coverage may insure loss of money, securities, or other property resulting from dishonest acts of employees, theft, robbery, burglary, forgery, counterfeit currency, computer fraud, funds transfer fraud, or other crime-related perils, depending on the form. When underwriting crime coverage, the insurer is interested in internal controls, separation of duties, audits, background checks, cash-handling procedures, cheque-signing authority, bank reconciliation, inventory controls, and access to funds. Liability coverage responds to legal liability to third parties, not direct employee theft of the insured's money. Property insurance generally covers physical loss or damage to insured property from covered perils, but it commonly excludes or limits dishonest acts and money/securities losses. Business interruption covers loss of income following insured physical damage, not employee conversion of cash. The correct underwriting focus is therefore crime coverage. Course topic reference: Automobile, Crime, and Bonds; Crime Insurance; Employee Dishonesty; Money and Securities; Internal Controls .
질문 # 29
How do privacy laws impact brokers?
정답：C
설명：
The correct answer is C. Brokers may be held accountable for third parties' duty to provide appropriate privacy protection to clients . Brokers collect, use, store, transmit, and disclose significant amounts of personal and commercial information. This may include driver records, claims information, financial details, property details, business operations, employee information, and underwriting data. Privacy laws require brokers to obtain proper consent, limit collection to necessary information, use information for identified purposes, safeguard it, and disclose it only to appropriate parties. Brokers often send client information to insurers, wholesalers, adjusters, appraisers, premium finance companies, technology providers, and other service providers. Even where a third party handles the information, the broker may still have responsibility to ensure the client's information is protected appropriately. Option A is too loose; a quote request does not automatically grant unlimited implied permission for all uses or disclosures. Option B is incorrect because privacy requirements can differ between federal and provincial regimes. Option D is too narrow and not a general rule. The practical lesson is that privacy compliance must be built into brokerage procedures and vendor relationships. Course topic reference: Risk Management; Privacy Laws; Broker Duties; Third- Party Information Handling; PIPEDA and Client Confidentiality .
질문 # 30
......
ITDumpsKR의IIC인증 C131 덤프는 수많은 시험준비 공부자료 중 가장 믿음직합니다. ITDumpsKR의 인지도는 업계에 널리 알려져 있습니다. IIC인증 C131덤프로IIC인증 C131시험을 준비하여 한방에 시험패스한 분이 너무나도 많습니다. IIC인증 C131덤프는 실제IIC인증 C131시험문제에 초점을 맞추어 제작한 최신버전 덤프로서 시험패스율이 100%에 달합니다.
C131최신 시험 기출문제 모음: https://www.itdumpskr.com/C131-exam.html