初心者でも経験豊富な人でも、ShikenPASS学習教材は、長年にわたる試験概要の変化と業界の傾向に基づいて編集された専門家にとって最適な選択です。 CAIB-3テストトレントは、学習の効率を向上させるのに役立つだけでなく、レビュー時間を最大数か月から1か月、さらには2週間または3週間に短縮するのにも役立ちます。 最大の改善を得る。 そして、CAIB-3試験問題により、IBABC、あなたのCanadian Accredited Insurance Broker (CAIB 3) Exam成功が保証されます。
| Section | Objectives |
|---|---|
| Topic 1: Risk Management and Underwriting | - Risk identification and assessment - Commercial underwriting principles - Loss control and risk mitigation strategies |
| Topic 2: Commercial Automobile Insurance | - Commercial auto policy forms and coverages - Garage and fleet exposures |
| Topic 3: Specialty Insurance Lines | - Crime Insurance and Fidelity Coverage - Surety Bonds - Ocean Marine and Aviation Insurance |
| Topic 4: Commercial General Liability Insurance | - Legal perspective and liability exposures - CGL policy structure, coverages, and endorsements |
ShikenPASSはIT認定試験に関連する資料の専門の提供者として、受験生の皆さんに最も優秀な試験CAIB-3参考書を提供することを目標としています。他のサイトと比較して、ShikenPASSは皆さんにもっと信頼されています。なぜでしょうか。それはShikenPASSは長年の経験を持っていて、ずっとIT認定試験の研究に取り組んでいて、試験についての多くの規則を総括しましたから。そうすると、ShikenPASSのCAIB-3教材は高い的中率を持つことができます。これはまた試験の合格率を保証します。従って、ShikenPASSは皆の信頼を得ました。
質問 # 38
An important step in the risk management process is selecting the proper risk management techniques. This procedure relies on the ability of the risk manager to forecast.
A) Identify two (2) forecasts which must be conducted if the organization is to establish meaningful priorities in treating loss exposures. (2 marks) B) Once forecasting has been done, each alternative risk management technique is assessed in accordance with two (2) selection criteria. Identify those criteria. (1 mark) (3 marks)
正解：
解説：
See the answer in Explanation below.
Explanation:
A) Two required forecasts are:
1. The expected frequency and severity of losses.
2. The effect that different risk control and risk financing techniques will have on the frequency, severity and predictability of those losses.
B) The two selection criteria are Effectiveness and Economy.
A third forecast used in the CAIB process is the cost of the risk management techniques.
Reference: IBAC CAIB 3 Student Resource Guide (2013), Chapter 6 - Step Three: Select Risk Management Technique(s), Forecasting, reference p. 6-23.
質問 # 39
Your client has hired his cousin as an employee. Several years ago, this cousin was charged and convicted of fraud, and your client feels that they should assist the cousin's return to the workforce. Are there any implications from the fraud conviction under the Comprehensive 3D policy? (3 marks)
正解：
解説：
See the answer in Explanation below.
Explanation:
Yes. Employee dishonesty coverage normally does not apply to an employee once the insured knows that the employee has committed a dishonest or fraudulent act. Since the client already knows about the cousin's fraud conviction, a dishonesty loss caused by the cousin would normally not be covered unless the insurer specifically agrees to cover that employee. The conviction should be disclosed to the insurer.
Reference: CAIB 3 Training & Study Pack - Crime Insurance/Comprehensive 3D: termination of employee dishonesty coverage after known dishonest acts.
質問 # 40
DEFINE: RETROCESSION (1 mark)
正解：
解説：
See the answer in Explanation below.
Explanation:
Retrocession is reinsurance of reinsurance. It occurs when a reinsurer transfers part of the risk it has accepted to another reinsurer, called the retrocessionaire.
Reference: CAIB 3 Training & Study Pack - Reinsurance: retrocession and retrocessionaire.
質問 # 41
DEFINE: FRAUD (1 mark)
正解：
解説：
See the answer in Explanation below.
Explanation:
Fraud is an intentional act of deception, misrepresentation or dishonesty used to obtain money, property or another benefit, or to cause another person a financial loss.
Reference: CAIB 3 Training & Study Pack - Crime Insurance: fraud and dishonest acts.
質問 # 42
Your travel agent, Wanda Off, is concerned about the loss of business that might result if her building were to be destroyed by a fire or major storm.
A) Upon your recommendation, Wanda agreed to purchase the Extra Expense Endorsement Form. State the purpose of this coverage form and provide an example of an expense insured. (2 marks) B) Wanda purchased $20,000 coverage under a 40/70/90/100% form. She had a fire loss this past winter but was able to resume operations at alternative premises until her building was repaired 80 days later. What would the insurer's maximum liability have been in this situation? (1 mark) (3 marks)
正解：
解説：
See the answer in Explanation below.
Explanation:
A) The Extra Expense Endorsement pays necessary extra costs to keep the business operating as normally as possible after an insured loss. An example would be the cost of renting temporary office space while the damaged premises are being repaired.
B) The business operated at temporary premises for 80 days, so the 90% limit applies. $20,000 x 90% =
$18,000. The insurer's maximum liability is $18,000.
Reference: CAIB 3 Training & Study Pack - Business Interruption: Extra Expense Endorsement and monthly
/period limitation.
質問 # 43
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