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| Section | Objectives |
|---|---|
| Risk Management and Underwriting | - Commercial underwriting principles - Risk identification and assessment - Loss control and risk mitigation strategies |
| Commercial Automobile Insurance | - Garage and fleet exposures - Commercial auto policy forms and coverages |
| Specialty Insurance Lines | - Crime Insurance and Fidelity Coverage - Ocean Marine and Aviation Insurance - Surety Bonds |
| Commercial General Liability Insurance | - CGL policy structure, coverages, and endorsements - Legal perspective and liability exposures |
ExamPassdump 의 엘리트는 다년간 IT업계에 종사한 노하우로 높은 적중율을 자랑하는 IBABC CAIB-3덤프를 연구제작하였습니다. 한국어 온라인서비스가 가능하기에 IBABC CAIB-3덤프에 관하여 궁금한 점이 있으신 분은 구매전 문의하시면 됩니다. IBABC CAIB-3덤프로 시험에서 좋은 성적 받고 자격증 취득하시길 바랍니다.
질문 # 20
What can be done to avoid coverage gaps when dealing with silent cyber exposures? (3 marks)
정답：
설명：
See the answer in Explanation below.
Explanation:
1. Review existing policies to see where cyber coverage is unclear or silent.
2. Use clear wording or endorsements to show whether cyber losses are covered or excluded.
3. Purchase and coordinate a separate cyber policy for exposures that are not clearly covered elsewhere.
Reference: CAIB 3 Training & Study Pack - Cyber Insurance: silent cyber and coordination of coverage.
질문 # 21
Why is business interruption coverage important? (3 marks)
정답：
설명：
See the answer in Explanation below.
Explanation:
1. It replaces income or earnings lost while the business cannot operate normally after an insured loss.
2. It helps pay continuing expenses such as rent, taxes and salaries while income is reduced.
3. It helps the business survive the interruption and return to normal operations without using up all of its working capital.
Reference: CAIB 3 Training & Study Pack - Business Interruption: purpose of business interruption insurance.
질문 # 22
DEFINE: ROBBERY (1 mark)
정답：
설명：
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.
질문 # 23
A) Which of the following coverages is for paying, "all amounts that you are legally obligated to pay to a person, other than a passenger, for bodily injury or property damage" arising out of the "use, ownership, or maintenance of the aircraft?" Please provide the full name. (1 mark) B) Provide two (2) examples of what this coverage can be extended to include? (2 marks) (3 marks)
정답：
설명：
See the answer in Explanation below.
Explanation:
A) Liability Coverage - Bodily Injury and Property Damage to Third Parties.
B) Two examples of extensions are:
1. Damage to aircraft hangars or premises leased or occupied by the insured.
2. Emergency service expenses, such as runway foaming, fire/crash rescue or search and rescue.
Reference: CAIB 3 Training & Study Pack - Aviation Insurance: Third-Party Bodily Injury and Property Damage Liability and extensions.
질문 # 24
Does employee dishonesty coverage apply if the insured can not identify the employee responsible? Why or why not? (3 marks)
정답：
설명：
See the answer in Explanation below.
Explanation:
Yes, coverage can still apply even if the exact employee cannot be identified. The insured must be able to prove that the loss was caused by the dishonest act of one or more employees. An unexplained inventory shortage by itself may not be enough proof.
Reference: CAIB 3 Training & Study Pack - Crime Insurance: Employee Dishonesty and proof of loss.
질문 # 25
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