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| Section | Objectives |
|---|---|
| Commercial Automobile Insurance | - Commercial auto policy forms and coverages - Garage and fleet exposures |
| Specialty Insurance Lines | - Ocean Marine and Aviation Insurance - Surety Bonds - Crime Insurance and Fidelity Coverage |
| Risk Management and Underwriting | - Loss control and risk mitigation strategies - Risk identification and assessment - Commercial underwriting principles |
| Commercial General Liability Insurance | - CGL policy structure, coverages, and endorsements - Legal perspective and liability exposures |
突然發現，很多人對自己未來的所有計劃都有同一個開頭——等我有了錢……但是，IT認證考試不能等。如果你覺得購買 IBABC 的 CAIB-3 考試培訓資料利用它來準備考試是一場冒險，那麼整個生命就是一場冒險，走得最遠的人常常就是願意去做願意去冒險的人。而 VCESoft 的 CAIB-3 考資料根據最新的考試動態變化而更新，會在第一時間更新 CAIB-3 題庫。
問題 #29
DEFINE: FIXED EXPENSES (BUSINESS INTERRUPTION) (1 mark)
答案：
解題說明：
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.
問題 #30
What are three (3) of the primary insurer's needs that can be satisfied through reinsurance? (3 marks)
答案：
解題說明：
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.
問題 #31
Which of the following most accurately describes the period of coverage for a cyber insurance policy? (1 mark)
答案：D
解題說明：
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.
問題 #32
From a risk management perspective, every loss exposure has three dimensions. What are the three (3) dimensions? (1 mark)
答案：B
解題說明：
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.
問題 #33
Fred's Fried Things is a busy fast food business and has protocol in place to make sure they don't have too much cash on site, depositing it at the bank twice per day. Today, while taking the first deposit to the bank, the manager is robbed at gunpoint. Is there coverage available for this loss? Why or why not? (3 marks)
答案：
解題說明：
See the answer in Explanation below.
Explanation:
Yes. This would be covered under Outside the Premises/Outside Robbery coverage. The manager is a custodian carrying the business money to the bank, and the money was taken by robbery at gunpoint. The loss would be covered subject to the policy limit and deductible.
Reference: CAIB 3 Training & Study Pack - Crime Insurance: Outside the Premises/Outside Robbery coverage and custodian.
問題 #34
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IT行業中很多雄心勃勃的專業人士為了在IT行業中能更上一層樓，離IT頂峰更近一步，都會選擇IBABC CAIB-3這個難度較高的認證考試來獲取通認證證書從而獲得行業認可。IBABC CAIB-3 的難度比較高所以通過率也比較低。但是報名參加IBABC CAIB-3 認證考試是個明智的選擇，因為在如今競爭激烈的IT行業應該要不斷的提升自己。但是您可以選擇很多方式幫你通過考試。
CAIB-3在線題庫: https://www.vcesoft.com/CAIB-3-pdf.html