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IIC RIBO-Level-1 Prüfungsplan:

Thema	Einzelheiten
Thema 1	Travel Health: Deals with travel medical insurance, including coverage for emergencies, eligibility, exclusions, and policy conditions for travelers.
Thema 2	General Insurance and Industry Knowledge: Covers the fundamentals of insurance principles, policy structure, regulatory environment, and the roles of key stakeholders within the insurance industry.
Thema 3	Personal Lines Habitational: Focuses on residential insurance including property coverage, risks, policy types, and protection for homeowners, tenants, and dwellings.
Thema 4	Personal Lines Automobile: Explains automobile insurance basics such as coverage types, accident benefits, liability, and policy regulations for personal vehicles.
Thema 5	Commercial Lines: Covers insurance solutions for businesses, including property, liability, and risk management tailored to commercial operations.

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RIBO-Level-1 Prüfungsinformationen - RIBO-Level-1 Exam Fragen

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IIC RIBO Level 1 Entry-Level Broker Exam RIBO-Level-1 Prüfungsfragen mit Lösungen (Q171-Q176):

171. Frage
John's Excavating commercial liability policy shows the description of operation as construction. John advises his Broker that he will be doing some snow removal for a period of 60 days. What should John's Broker do?

A. Advise the client there is automatic coverage under the Commercial General Liability policy for additional operations.
B. Advise the client to delay the snow-removal work until the policy renews to avoid complications.
C. Advise the client that no action is required as the snow removal is being done for a short period of time.
D. Advise the client that the change in operations will be reported to the insurance company.

Antwort: D

Begründung:
The Risk Identification and Classification competency is essential when managing commercial accounts. A Commercial General Liability (CGL) policy is underwritten based on a specific "Description of Operations." This description defines the scope of the risk the insurer is willing to cover. Snow removal is a distinct and significantly higher-risk operation than general excavation or construction due to the high frequency of third- party "slip and fall" liability claims.
Under the Insurance Act and the general principles of the insurance contract, an insured has a duty to report any material change in risk that is within their knowledge and control. Even if the activity is temporary (60 days), it represents a departure from the operations originally disclosed to the insurer. If the broker does not report this change, and a claim arises from the snow removal activity, the insurer may deny coverage or void the policy based on the failure to disclose a material change. By selecting C, the broker ensures they are acting in the best interest of the client by maintaining the integrity of the insurance contract. The underwriter may require an additional premium or a specific endorsement to cover the new exposure. The RIBO Blueprint requires Level 1 brokers to be able to identify shifts in a client's business model and understand that "silence" regarding a material change is a breach of the Statutory Conditions, potentially leaving the client uninsured for their most hazardous activities.

172. Frage
Kimberly has lost one of Kimberly's diamond earrings and wishes to claim the loss. The earrings were not scheduled separately on Kimberly's policy. What information would the broker provide Kimberly with respect to Kimberly's claim?

A. Kimberly can claim for the loss of the pair of earrings as Kimberly's policy contains a replacement cost endorsement.
B. Kimberly cannot claim for the loss of the pair of earrings as these were not scheduled on Kimberly's property policy.
C. Kimberly can claim the value of the pair of earrings subject to Kimberly's deductible and special limits of insurance on Kimberly's policy.
D. Kimberly can claim the value of one earring subject to Kimberly's deductible and special limits of insurance on Kimberly's policy.

Antwort: D

Begründung:
The correct answer is A. because when one item from a pair of earrings is lost and the jewelry was not separately scheduled , the claim is generally handled under the policy's unscheduled personal property coverage , subject to the deductible and any special limits that apply to jewelry.
The important point is that the policy does not automatically pay for the full value of the pair just because one piece is missing. Insurance responds to the actual loss sustained, and for unscheduled jewelry that usually means payment is limited to the lost item, not the untouched matching item. This is consistent with the principle of indemnity: the policy is meant to compensate for the direct loss, not create a better position than the insured had before. If Kimberly wanted broader protection for the full value of the set or pair, the earrings should have been specifically scheduled or insured under a floater with agreed terms.
B). is incorrect because the full pair value is not usually payable when only one earring is lost under standard unscheduled coverage. C. is wrong because unscheduled jewelry may still be covered, though subject to limits. D. is also incorrect because replacement cost wording does not automatically convert a one-item loss into payment for the whole pair.

173. Frage
A new regulation has been introduced requiring brokers to prioritize data encryption in all communications with clients to enhance cybersecurity. According to the new regulation, what is the FIRST action a broker should take to comply with data encryption requirements?

A. Discuss with a colleague which action to take first and wait for their formal approval.
B. Address the cybersecurity alert first.
C. Respond immediately to the client's urgent query.
D. Initiate the internal system update.

Antwort: D

Begründung:
This question tests the Information Management and Legal and Regulatory Compliance competencies within the context of a modern digital brokerage. With the rise of cyber threats, regulators and the RIBO Code of Conduct increasingly emphasize the broker's duty to protect sensitive client information as outlined in PIPEDA (Personal Information Protection and Electronic Documents Act).
When a new regulation or a system security update is introduced, the broker's immediate priority must be the integrity of the system. "Initiating the internal system update" is the primary corrective action required to bring the broker's tools into compliance with the encryption mandate. While "responding to a client" (Option A) is important for Relationship Management, doing so before the system is secure would lead to a breach of confidentiality and a violation of the new regulation.
The RIBO Blueprint expects Level 1 brokers to manage priorities by balancing customer service with regulatory obligations. In a hierarchy of duties, the protection of client data (compliance) often takes precedence over immediate service (speed). By ensuring that encryption is in placefirst, the broker prevents the accidental exposure of private data, thereby upholding the Professionalism, Integrity, and Ethics standards. This scenario highlights that technical competence-specifically in Cybersecurity and Information Management-is now as critical as insurance product knowledge for maintaining the trust of both the public and the regulator.

174. Frage
Which of the following is an example of "Self-Insurance"?

A. A business that purchases a policy with a very high $50,000 deductible.
B. A group of individuals who pool their money to cover each other's losses.
C. A professional athlete who insures their hands for $10 million.
D. A person who chooses not to buy insurance and instead keeps a large emergency fund.

Antwort: D

Begründung:
Self-insurance is a specific method of Risk Retention where an individual or organization decides to bear the financial consequences of a loss themselves rather than transferring it to an insurer. The RIBO Level 1 Blueprint requires brokers to distinguish between various risk management techniques.
In Option A, the person is making a conscious decision to retain the entire risk. This is different from "non- insurance" (where someone simply forgets or can't afford insurance) because "self-insurance" implies a formal plan and the financial capacity (the emergency fund) to pay for a loss. Large corporations often use self-insurance for high-frequency, low-severity losses (like glass breakage) because it is cheaper than paying insurer premiums and administrative fees.
Option B is "partial retention" via a deductible, but the bulk of the risk is still transferred. Option C describes a "Mutual" or "Reciprocal" insurance structure, which is a form of risk transfer to a collective. Option D is a standard "Specimen" or "High-Value" insurance transfer.
Under the Consulting and Advising competency, a broker must be able to discuss self-insurance with clients- particularly regarding deductibles. Increasing a deductible is a form of moving toward self-insurance for small losses. A broker's role is to assess whether the client has the financial "liquidity" to handle that retention. This technical knowledge ensures the broker provides a customized risk management strategy that balances the client's desire for lower premiums with their actual ability to withstand a loss, thus fulfilling the Risk Identification and Classification requirements of the Level 1 profile.

175. Frage
Laws regulating the zoning, demolition, repair or construction of buildings and their related services can increase costs of repair to buildings. Can these increased costs be insured?

A. They are partly covered under the 10% extension clause in most property policies.
B. No, they are considered uninsurable.
C. Yes, they are insurable if specified in a property policy.
D. They are only insurable under an "All Risks" property policy.

Antwort: C

Begründung:
The correct answer is B . Increased costs caused by by-laws, zoning requirements, demolition rules, building code upgrades, and similar legal requirements are generally known as by-law or ordinance exposures . These added costs are not automatically covered in every property policy , but they can be insured when specifically included by endorsement or wording in the property policy .
This is why A is incorrect. These costs are not inherently uninsurable; insurers commonly offer coverage for them, especially in commercial property and some habitational forms, where rebuilding must comply with current by-laws or construction standards after a loss. C is too specific and unreliable as a general rule because there is no universal "10% extension clause" that automatically applies to all property policies in the way described. D is also incorrect because this exposure is not limited to "All Risks" forms only; the key issue is whether the policy specifically provides coverage for the increased cost of construction or demolition required by law.
From a RIBO standpoint, this question tests product knowledge and the broker's duty to recognize when a standard property form may not fully respond to a rebuilding loss. The broker should identify this exposure and discuss whether By-Laws coverage or Increased Cost of Construction coverage should be added to the policy.

176. Frage
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