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| Section | Weight | Objectives |
|---|---|---|
| From Quote to Policy | 10% | - Policy structure and components - Policy issuance and delivery - Quotation and binding authority |
| Sales and Client Needs | 10% | - Insurance solutions - Risk identification - Client consultation |
| Communication and Service Skills | 8% | - Client communication - Policy changes and endorsements - Record keeping |
| Insurance and the Intermediary | 10% | - Legal duties and ethics - Roles of brokers and agents - Licensing and regulation |
| Liability Insurance | 12% | - Commercial general liability - Personal liability coverages - Legal liability concepts |
| Property Insurance Wordings | 12% | - Common policy forms - Coverages and exclusions - Valuation methods |
| Claims Handling | 8% | - Broker's role in claims - Claim reporting process - Settlement and subrogation |
| The Application Process | 10% | - Duty of disclosure - Underwriting considerations - Completing applications |
| Automobile Insurance | 10% | - Provincial variations - Rating and policy issues - Mandatory and optional coverages |
| Property Insurance Exposures | 10% | - Small commercial property risks - Personal property risks - Exposures and perils |
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질문 # 10
When does a minimum retained premium apply to a policy?
정답：B
설명：
A minimum retained premium commonly applies when the insured cancels a policy before expiry. The insurer retains a minimum amount to cover acquisition costs, policy issuance, administration, and the period during which coverage was provided. Midterm insured-requested cancellation may also be calculated on a short-rate basis, depending on the policy terms and jurisdictional rules, meaning the return premium may be less favourable than a pro rata refund. Option B is weaker because when the insurer cancels, return premium is typically calculated more favourably to the insured, often pro rata, subject to applicable law and wording.
Option C involves voidance for misrepresentation, where ordinary cancellation premium rules may not be the issue. Option D is incorrect because moving coverage at renewal simply means the existing policy expires and is replaced; a minimum retained premium is not triggered by ordinary non-renewal or renewal placement elsewhere. Brokers must explain cancellation consequences before clients cancel midterm, especially when replacing coverage, because the client may expect a larger refund than the policy allows. References/topics:
From Quote to Policy; cancellation, minimum retained premium, short-rate calculation, return premium.
질문 # 11
Why would an intermediary want to know if a client is renovating their home?
정답：D
설명：
Renovation materially changes the property exposure because buildings under construction are more vulnerable to loss. Fire risk may increase due to hot work, temporary wiring, exposed framing, solvents, construction debris, and contractor activity. Water damage risk may rise when plumbing, roofing, or exterior walls are disturbed. Theft and vandalism risk may increase if the home is partially open, vacant, or accessible to trades. Liability exposure also increases because contractors, visitors, and occupants may be exposed to construction hazards. Option A is incorrect because liability hazards generally do not decrease simply because the home is under renovation. Option B is too absolute; some renovations may require a builder's risk policy, vacancy permit, endorsement, underwriting approval, or revised terms, but not every renovation automatically requires cancellation. Option C is irrelevant to insurance rating in this context. The key issue is material change in risk. The intermediary must ask about renovations, notify the insurer when required, and ensure coverage remains valid. References/topics: Property Insurance-Exposures; renovations, buildings under construction, material change, increased hazard, underwriting notification.
질문 # 12
A tenant's negligence causes a fire in the dwelling they rent. Typically, who is initially responsible for paying the damage?
정답：B
설명：
The insurer that issued the homeowners policy is typically the party that initially pays for the damage to the dwelling. The property owner insures the building, so when the building suffers insured fire damage, the owner's property insurer responds first according to the policy terms. The tenant's negligence may create a liability exposure, but that does not usually change the first-party property claim sequence. After paying the owner, the property insurer may consider subrogation against the negligent tenant or the tenant's insurer, depending on the lease, policy wording, provincial law, waiver provisions, and surrounding facts. Option A is too direct because the tenant may be legally responsible, but they do not normally "initially" pay the insured building claim. Option C may respond if a liability claim is pursued against the tenant, but it is not the first insurer paying the property owner's building loss. Option D is wrong because the owner is not responsible for the tenant's negligence merely because the tenant occupies the dwelling. References/topics: Property Insurance-Exposures; tenant negligence, first-party property insurance, tenant's legal liability, subrogation.
질문 # 13
Why do insurers prefer not to issue personal-lines forms for a dwelling that is owned by a numbered company and used for the company principals to reside in?
정답：B
설명：
Insurers are cautious about issuing personal-lines forms to a numbered company because the named insured would be a corporate entity rather than a straightforward personal household risk. If liability coverage is written for the corporation, the insurer may unintentionally expose itself to liabilities connected with other operations or activities of that company, even though the intended risk is only a dwelling occupied by company principals. Option B may sound attractive, but the deeper underwriting concern is not merely naming mechanics; it is the mismatch between personal-lines coverage design and corporate ownership.
Personal-lines wordings are built around individuals, family members, personal premises, and household liability exposures. A corporation may have broader legal capacity, assets, contracts, and operations unrelated to the residence. Option A is incorrect because inspections are not prohibited on personal-lines policies.
Option D is not the central issue; fire coverage differences are not the reason insurers avoid this arrangement.
The correct underwriting concern is unintended liability extension. References/topics: The Application Process; named insured, corporate ownership, personal-lines eligibility, liability exposure.
질문 # 14
Michelle is a new agent who would like to protect herself against possible errors and omissions claims. What should Michelle practice in her interactions with clients and insurers?
정답：C
질문 # 15
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