다년간 IT업계에 종사하신 전문가들이 자신의 노하우와 경험으로 제작한 IIC C131덤프는 C131 실제 기출문제를 기반으로 한 자료로서 C131시험문제의 모든 범위와 유형을 포함하고 있어 높을 적중율을 자랑하고 있습니다.덤프구매후 불합격 받으시면 구매일로부터 60일내 주문은 덤프비용을 환불해드립니다.IT 자격증 취득은 Itcertkr덤프가 정답입니다.
| Section | Objectives |
|---|---|
| Topic 1: Insurance Brokerage Practice | - Client relationship management - Broker roles and responsibilities - Professional ethics and conduct |
| Topic 2: Risk and Insurance Fundamentals | - Risk identification and assessment - Insurance principles and coverage types |
| Topic 3: Regulatory and Legal Environment | - Compliance and consumer protection - Insurance regulations in Canada |
| Topic 4: Claims and Loss Handling | - Loss adjustment principles - Claims processes and documentation |
| Topic 5: Underwriting and Policy Management | - Underwriting guidelines and decision-making - Policy administration and endorsements |
Itcertkr는IIC C131시험을 패스할 수 있는 아주 좋은 사이트입니다. Itcertkr은 아주 알맞게 최고의IIC C131시험문제와 답 내용을 만들어 냅니다. 덤프는 기존의 시험문제와 답과 시험문제분석 등입니다. Itcertkr에서 제공하는IIC C131시험자료의 문제와 답은 실제시험의 문제와 답과 아주 비슷합니다.
질문 # 51
How is the premium for a garage policy computed on a monthly average basis?
정답：A
설명：
The correct answer is A. Provides an adjustment at year end after charging a 100 percent advance premium . A garage policy may use a rating method that reflects the insured's fluctuating exposure throughout the policy term. Under a monthly average basis, the insurer charges an advance premium at policy inception and later adjusts the premium according to the actual exposure reported or calculated for the policy period. This method is useful for garage risks because the number of vehicles, inventory, dealer plates, or operational exposure may change during the year. The key point is that the insured pays an advance premium first, and the final earned premium is determined after the insurer reviews the exposure information. If the final premium is higher, the insured may owe additional premium; if lower, a return premium may apply subject to policy terms. Option B is incorrect because the monthly average method is not simply a quarterly reporting arrangement. Option C is wrong because it refers to a partial advance premium of 75%, not the stated method. Option D is reversed, because if the adjusted premium is greater, the insured owes more.
Course topic reference: Automobile, Crime, and Bonds; Garage Policies; Premium Rating; Monthly Average Basis .
질문 # 52
A broker is trying to convince his large accountancy client to purchase cyber risk insurance. The firm's CEO believes the controls in place managed by a third-party information technology provider are sufficient. The broker provides the CEO with a list of claims that will only be covered if cyber risk insurance is carried.
Which type of claim appears on that list?
정답：B
설명：
The correct answer is B. Online extortion . Cyber risk insurance is specifically designed to address exposures arising from electronic data, network security, privacy breaches, ransomware, cyber extortion, and technology- dependent business operations. A client may believe that outsourced IT controls are sufficient, but technical controls do not eliminate legal, operational, financial, or reputational cyber risk. Online extortion is a core cyber exposure because criminals may threaten to lock systems, release confidential client information, disrupt operations, or destroy electronic data unless payment is made. Traditional commercial property, crime, or liability policies usually do not respond adequately to this kind of cyber event unless a specific cyber form or cyber endorsement is in place. Computer fraud may be addressed under crime coverage, depending on wording. Theft of securities relates more closely to crime or fidelity coverage. Business interruption from a data breach may also appear in cyber policies, but the most direct and unmistakable cyber-only exposure among the options is online extortion. For an accountancy firm, this is especially important because client financial records and confidential professional information are attractive targets. Course topic reference:
Liability; Risk Management; Analyzing Risk Exposures; Cyber Liability and Electronic Data Exposures .
질문 # 53
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：A
질문 # 54
A broker is reviewing a client's risk profile. The client commonly sends their employees on international trips to source rare goods, which are often found in unstable parts of the world. The broker recommends a kidnap, ransom and extortion policy. Which type of client is this?
정답：A
설명：
The correct answer is C. Distributor . A distributor is involved in sourcing, purchasing, importing, warehousing, and selling goods, often across different geographic regions. In this scenario, the client sends employees internationally to obtain rare goods from unstable parts of the world. That description fits a distributor's exposure more closely than a contractor, builder, or freight forwarder. A freight forwarder usually arranges transportation and logistics for goods owned by others, while a contractor or builder performs construction or project work. The key risk feature is that employees are travelling to potentially dangerous locations to source goods. This creates personal security exposures, including kidnapping, ransom demands, extortion, detention, political instability, and crisis-management expenses. Kidnap, ransom and extortion insurance is designed to support organizations whose executives or employees may be targeted while travelling or operating in high-risk jurisdictions. It may provide access to crisis response specialists, negotiation support, ransom reimbursement where legally permitted, medical or psychiatric care, and related expenses. The broker's recommendation is appropriate because the client's business model exposes employees to international security threats. Course topic reference: Manufacturers, Distributors, and Freight Forwarders; Risk Management; International Travel Exposures; Kidnap, Ransom and Extortion Coverage .
질문 # 55
What is governed by the Personal Information Protection and Electronic Documents Act (PIPEDA)?
정답：C
설명：
The correct answer is C. The consent requirement when the insurer requests an applicant's motor vehicle record . PIPEDA governs the collection, use, and disclosure of personal information by private-sector organizations in the course of commercial activity. In insurance, brokers and insurers regularly handle personal information, including names, addresses, claims history, driver information, financial details, and underwriting data. A motor vehicle record is personal information because it identifies an individual and contains driving-history details relevant to underwriting automobile insurance. Before an insurer or broker obtains this information, proper consent is normally required. The broker must ensure the client understands why the information is needed, how it will be used, and who may receive it. Option A is too broad and concerns corporate governance rather than personal information. Option B is not the purpose of PIPEDA.
Option D involves employment reference checks, which may fall under privacy obligations, but in the commercial insurance context, the MVR consent requirement is the direct and technically relevant example.
Privacy compliance is a core broker responsibility because improper handling of personal information can create regulatory, legal, and reputational consequences. Course topic reference: Risk Management; Privacy Obligations; PIPEDA; Personal Information; Automobile Underwriting Consent .
질문 # 56
......
Itcertkr의IIC인증 C131덤프공부가이드에는IIC인증 C131시험의 가장 최신 시험문제의 기출문제와 예상문제가 정리되어 있어IIC인증 C131시험을 패스하는데 좋은 동반자로 되어드립니다. IIC인증 C131시험에서 떨어지는 경우IIC인증 C131덤프비용전액 환불신청을 할수 있기에 보장성이 있습니다.시험적중율이 떨어지는 경우 덤프를 빌려 공부한 것과 같기에 부담없이 덤프를 구매하셔도 됩니다.
C131시험대비 덤프데모: https://www.itcertkr.com/C131_exam.html