IIC인증C131시험을 위하여 최고의 선택이 필요합니다. ITDumpsKR 선택으로 좋은 성적도 얻고 하면서 저희 선택을 후회하지 않을것니다.돈은 적게 들고 효과는 아주 좋습니다.우리ITDumpsKR여러분의 응시분비에 많은 도움이 될뿐만아니라IIC인증C131시험은 또 일년무료 업데이트서비스를 제공합니다.작은 돈을 투자하고 이렇게 좋은 성과는 아주 바람직하다고 봅니다.
| Section | Objectives |
|---|---|
| Liability Insurance | - Commercial and general liability concepts |
| Property Insurance Coverages | - Property coverages fundamentals |
| Specialized Insurance Lines | - Crime and bonds - Builders risk insurance - Manufacturers, distributors, freight forwarders - Automobile insurance - Contractors insurance |
| Risk Management | - Analyzing risk exposures - Selecting risk techniques - Monitoring and modifying risk management plans - Insurance in a risk management plan |
우리는 고객이 첫 번째 시도에서IIC C131 자격증시험을 합격할수있다는 것을 약속드립니다. IIC C131 시험을 합격하여 자격증을 손에 넣는다면 취직 혹은 연봉인상 혹은 승진이나 이직에 확실한 가산점이 될것입니다. IIC C131시험 어려운 시험이지만 저희IIC C131덤프로 조금이나마 쉽게 따봅시다.
질문 # 52
Which clause is a refusal to accept liability for damages that might occur?
정답：A
설명：
The correct answer is A. Disclaimer . A disclaimer is a statement or clause by which a party refuses, limits, or denies responsibility for certain losses, damages, representations, or outcomes. In commercial insurance and risk management, disclaimers are often used in contracts, websites, proposals, reports, signage, warranties, and service agreements to clarify that one party does not accept liability for specific events or consequences. A disclaimer does not automatically eliminate all legal liability, because courts may examine fairness, wording, notice, statutory obligations, and public policy. However, its purpose is still to refuse or restrict liability. An indemnity provision is different: it requires one party to compensate another for certain losses. A hold harmless agreement is also a contractual risk transfer clause where one party agrees not to hold another responsible or agrees to protect them from claims. "Risk retainer" is not the correct contractual clause; retention means keeping the financial consequence of risk rather than transferring it. The wording
"refusal to accept liability" directly points to a disclaimer. Course topic reference: Risk Management; Selecting Risk Techniques; Contractual Risk Transfer; Disclaimers and Liability Clauses .
질문 # 53
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 # 54
An architect is sued by a client for having failed to account for local bylaws when designing a new home. For the insurance company to defend the architect, which coverage must he have in place?
정답：A
설명：
The correct answer is B. Errors and omissions . Architects provide professional services based on specialized knowledge, design skill, technical standards, and regulatory awareness. If an architect fails to account for local bylaws when designing a home, the client may allege professional negligence, error, omission, or failure to meet the expected professional standard of care. Commercial general liability policies usually focus on bodily injury and property damage, not purely professional design errors. Errors and omissions insurance, also called professional liability insurance, is designed to defend and indemnify professionals against claims arising from negligent acts, errors, or omissions in the performance of professional services. Wrap-up liability is project liability coverage for construction participants, but it does not replace the architect's professional liability policy. Explosion, collapse, and underpinning coverage relates to construction hazards, not design negligence. Commercial building, equipment, and stock coverage is first- party property insurance and would not defend the architect against a client's lawsuit. Architects must maintain E & O coverage because design mistakes can cause financial loss, construction defects, delay, redesign costs, and litigation. Course topic reference: Liability; Professional Liability; Errors and Omissions; Architects and Design Professionals .
질문 # 55
The owner of a small bookstore arranges to have a reputable courier deliver an expensive set of antique encyclopedias to the store after it closes. The next morning, he notices several encyclopedias are missing from the set. He reports this situation to his broker, who advises that the loss will be covered under his commercial property broad form if he can provide which type of proof?
정답：D
설명：
The correct answer is C. Sworn statement from the courier that the set was delivered in its entirety . The key issue is proving when and where the loss occurred. If several antique encyclopedias are missing after an after-hours delivery, the insurer must determine whether the property was actually delivered complete to the bookstore or whether the loss occurred before delivery while in the courier's responsibility. A commercial property broad form may cover insured property at the described premises if the loss is caused by an insured peril and the insured can establish that the property was present and complete before the loss. A sworn statement from the courier confirming the full set was delivered would support the argument that the missing items disappeared after delivery, while the goods were at the insured premises. A mysterious disappearance explanation alone is weak and may be excluded or difficult to prove. A fidelity declaration would be inappropriate unless employee dishonesty is involved. Care, custody, and control wording is more commonly associated with liability exclusions and property of others, not the specific proof needed here. Course topic reference: Property Coverages; Commercial Property Broad Form; Proof of Loss; Property at Insured Premises; Theft and Disappearance Issues .
질문 # 56
What type of liability policy would cover a product liability exposure arising from an error in the manufacturing design of a product?
정답：B
설명：
The correct answer is C. Commercial general liability (CGL) . A manufacturing design error that results in a defective product creates a products liability exposure. Under a commercial general liability policy, products-completed operations coverage is designed to respond to third-party bodily injury or property damage arising out of the insured's products after they have left the insured's possession. If a product is defectively designed, manufactured, labelled, or distributed and that defect causes injury or damage, the manufacturer may face legal liability. Garage liability is intended for automobile garage operations and is not the proper policy for general manufacturing product defects. Architect's liability applies to professional design services in architecture, not manufacturing design of ordinary commercial products. Directors and officers liability protects corporate managers against governance-related claims, not bodily injury or property damage from defective products. The key issue is that the exposure arises from the insured's product entering the stream of commerce and causing harm. CGL products liability is therefore the correct coverage foundation, though specialized product recall or errors coverage may also be needed depending on the risk.
Course topic reference: Liability; Manufacturers, Distributors, and Freight Forwarders; Products Liability; CGL Products-Completed Operations .
질문 # 57
......
IIC C131인증시험패스에는 많은 방법이 있습니다. 먼저 많은 시간을 투자하고 신경을 써서 전문적으로 과련 지식을 터득한다거나; 아니면 적은 시간투자와 적은 돈을 들여 ITDumpsKR의 인증시험덤프를 구매하는 방법 등이 있습니다.
C131덤프내용: https://www.itdumpskr.com/C131-exam.html