IBABC CAIB-3權威考題 - CAIB-3 PDF題庫

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IBABC CAIB-3 Exam Syllabus Topics:

Section	Objectives
Topic 1: Commercial General Liability Insurance	- CGL policy structure, coverages, and endorsements - Legal perspective and liability exposures
Topic 2: Specialty Insurance Lines	- Surety Bonds - Crime Insurance and Fidelity Coverage - Ocean Marine and Aviation Insurance
Topic 3: Risk Management and Underwriting	- Loss control and risk mitigation strategies - Risk identification and assessment - Commercial underwriting principles
Topic 4: Commercial Automobile Insurance	- Garage and fleet exposures - Commercial auto policy forms and coverages

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CAIB-3 PDF題庫 - CAIB-3資訊

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最新的 Level 2 General Insurance License CAIB-3 免費考試真題 (Q12-Q17):

問題 #12
All of the following are differences between Directors' and Officers' Liability insurance and other types of liability insurance, EXCEPT ONE. Identify the EXCEPTION. (1 mark)

A. Defence costs are included in addition to the limit.
B. The application forms part of the policy.
C. Defence costs are included with the limit.
D. The right to associate with the defence.

答案：A

解題說明：
Comprehensive Explanation: In the D & O wording being tested, defence costs are included within and reduce the policy limit rather than being paid in addition to the limit. The application forming part of the policy and the insurer's right to associate in the defence are also features that must be reviewed in D & O coverage. Therefore D is the exception.
Reference: CAIB 3 Training & Study Pack - Directors' and Officers' Liability: defence costs, application and defence provisions.

問題 #13
DEFINE: ROBBERY (1 mark)

答案：

解題說明：
See the answer in Explanation below.
Explanation:
Robbery is the unlawful taking of property from a person by force or violence, or by threatening force or violence.
Reference: CAIB 3 Training & Study Pack - Crime Insurance: robbery and custodian coverage.

問題 #14
While very similar, there are some key differences between the coverages provided under the profits form and the gross earnings form. Name three (3) of those key differences. (3 marks)

答案：

解題說明：
See the answer in Explanation below.
Explanation:
1. Gross Earnings coverage normally ends when the damaged property is repaired, rebuilt or replaced. The Profits Form can continue until the business income returns to the level it would have reached, subject to the selected indemnity period.
2. Under Gross Earnings, delays caused by the insured or other people involved can reduce the claim. Under the Profits Form, the focus is on delays for which the insured is responsible.
3. The Profits Form can cover income loss caused by delays in complying with building by-laws, while the Gross Earnings Form does not cover that additional delay in the same way.
Reference: CAIB 3 Training & Study Pack - Business Interruption: Gross Earnings Form compared with the Profits Form.

問題 #15
DEFINE: CYBER RISK (1 mark)

答案：

解題說明：
See the answer in Explanation below.
Explanation:
Cyber risk is the risk of financial loss, business interruption or liability caused by a cyber event, such as unauthorized access, a cyberattack, system failure or loss of electronic data.
Reference: CAIB 3 Training & Study Pack - Cyber Insurance: cyber risks and loss exposures.

問題 #16
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.

答案：B

解題說明：
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.

問題 #17
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