Fast2test的C131資料無疑是與C131考試相關的資料中你最能相信的。如果你還是不相信，馬上親身體驗一下吧。這樣你肯定就會相信我說的了。你可以點擊Fast2test的網站下載考古題的demo。PDF版和軟體版都有，事先體驗一下吧。讓我們親自檢驗一下考古題的品質吧。
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Commercial Property Coverages | 15% | - Policy Wordings and Clauses - Business Interruption Insurance |
| Topic 2: Insuring Manufacturers & Distributors | 15% | |
| Topic 3: Introduction to Commercial Insurance | 10% | |
| Topic 4: Specialty Lines: Auto, Crime, and Surety Bonds | 10% | |
| Topic 5: Monitoring and Modifying Risk Plans | 5% | |
| Topic 6: Risk Management Principles | 15% | - Analyzing Risk Exposures - Developing Risk Management Plans - Selecting Risk Management Techniques |
| Topic 7: Insuring Contractors & Construction Risks | 15% | - Builders Risk Insurance - Contractors' Exposures |
| Topic 8: Commercial Liability Coverages | 15% | - Errors and Omissions - General Liability |
不要再因為準備一個考試浪費太多的時間了。快點購買Fast2test的C131考古題吧。有了這個考古題，你將更好地知道該怎麼準備考試才更有效率。這是一個可以讓你輕鬆就通過考試的難得的工具，錯過這個機會你將會後悔。所以，不要犹豫赶紧行动吧。
問題 #28
Sufi is a handywoman who regularly takes samples of her finished work to trade shows. Which coverage would Sufi's broker recommend for her samples?
答案：D
解題說明：
The correct answer is C. Exhibition floater . An exhibition floater is designed to cover property taken to exhibitions, fairs, trade shows, displays, and similar events. Sufi regularly takes samples of her finished work to trade shows, which means the samples are away from her regular premises and exposed to transit, handling, display, theft, accidental damage, and temporary-location risks. Ordinary personal property coverage may not properly insure business samples while they are being transported and exhibited. A tool floater would be appropriate for tools and equipment used in work operations, but the question specifically refers to samples of finished work, not tools. Event liability coverage would respond to liability claims arising from an event, such as bodily injury or property damage to third parties, but it would not primarily insure Sufi's own samples. The correct coverage must follow the property while it is moved, displayed, and returned. The broker should also confirm the value of the samples, transit method, storage at the trade show, security arrangements, and whether coverage applies during setup and teardown. Course topic reference: Property Coverages; Commercial Property Floaters; Exhibition Floater; Samples and Trade Show Property .
問題 #29
Insurance premiums on automobile fleet policies are based on which factor?
答案：B
解題說明：
The correct answer is A. Overall experience of all drivers . Fleet automobile insurance is rated differently from ordinary individual automobile insurance. In a personal or individually rated commercial auto policy, the insurer may focus heavily on the driving record of a specific driver, the vehicle's use, location, and vehicle characteristics. In a fleet policy, however, the underwriting approach looks at the entire group of vehicles and drivers as a collective exposure. The insurer is concerned with the overall claims experience, loss frequency, loss severity, driver controls, vehicle use, fleet size, safety procedures, maintenance practices, and management of the fleet as a whole. The individual driving records may still be reviewed as part of underwriting, but the premium basis is not simply the record of one driver. Likewise, original vehicle purchase price and the mechanical condition of one vehicle do not determine the fleet premium by themselves. The key underwriting logic is that a fleet produces a pattern of risk over time. Therefore, the insurer prices the policy according to the overall experience and performance of the entire fleet operation.
Course topic reference: Automobile, Crime, and Bonds; Commercial Automobile Insurance; Fleet Rating; Underwriting Factors .
問題 #30
Davies Architect has opened two new offices in the last quarter. Its recent claims history includes a break-in at its head office a month ago and legal action against the firm due to a structural mistake made by the architect and engineer six months ago. The firm's insurance broker is reviewing its current insurance program, and the renewal date is in two months. Due to stable market conditions, there have been no recent changes made by insurers to policy wordings or pricing. The firm has been very cooperative with providing information. Briefly discuss how the broker would review the renewal for this architectural firm.
答案：
解題說明：
see the Explanation for Detailed Solution.
Explanation:
The broker should treat the renewal as a full exposure review, not a simple repeat of the previous policy. First, the two new offices must be added to the insurance program. The broker should confirm addresses, occupancy, property values, equipment, lease obligations, security, employees, and any change in revenue or professional activity at those locations. If the new offices are not disclosed properly, the firm may have uninsured property or liability exposures.
Second, the broker should review the break-in claim. This requires checking property, crime, burglary, security safeguards, alarm systems, locks, access controls, and any insurer recommendations. A recent theft loss may affect deductibles, terms, or underwriting attitude.
Third, the legal action involving a structural mistake is a major professional liability issue. The broker must review the architects' errors and omissions policy, claim reporting, retroactive date, limits, deductibles, engineers' involvement, and whether the claim has been properly notified.
Because the market is stable and the client is cooperative, renewal negotiations should be manageable.
However, the broker must update all material facts and recommend coverage changes where exposures have changed. Course topic reference: Monitoring and Modifying the Risk Management Plan; Liability; Professional Liability; Renewal Review; Architects' E & O .
問題 #31
Why is bylaws insurance used?
答案：D
解題說明：
The correct answer is C. To cover projects that can take years to complete . By-laws coverage is used where building laws, municipal regulations, or code requirements may increase the cost of repairing, rebuilding, or completing a project after loss or damage. In a construction or builders risk context, this is important because a project may take a long time to complete. During that period, building codes, zoning rules, fire-protection requirements, accessibility standards, environmental requirements, or municipal by-laws may change. If a loss occurs, the owner or contractor may be required to rebuild or continue the project according to updated standards rather than the original design. That can create additional cost beyond ordinary physical damage repair. Option D is technically weak because by-laws coverage is usually not needed simply because a new building already complies with current codes; the exposure arises when compliance requirements increase costs. Vacant lots and wooded lots are not the issue. The core purpose is to protect against increased construction or reconstruction costs caused by the operation of by-laws during a long project or after a loss. Course topic reference: Builders Risk; Property Coverages; By-Laws Coverage; Increased Cost of Construction; Construction Project Duration .
問題 #32
How can a broker BEST investigate a roofing contractor's operations to identify liability exposures?
答案：C
解題說明：
The correct answer is A. Ask the client to detail what a typical project involves . Liability exposure analysis starts with understanding what the insured actually does. A roofing contractor may perform residential roofing, commercial roofing, hot tar work, torch-applied roofing, waterproofing, repairs, new installations, work at heights, subcontracted work, snow removal, gutter work, or structural modifications.
Each activity can create different bodily injury, property damage, completed operations, subcontractor, contractual, and fire exposures. Asking the client to describe a typical project gives the broker the most direct and useful information about operations, job-site conditions, materials, equipment, safety procedures, supervision, height exposures, and interaction with customers or other trades. Speaking with past customers may raise privacy and reliability issues and is not the most efficient underwriting method. Asking what claims the client is worried about is useful but incomplete because clients may not recognize their own exposures.
Website reviews are informal and may not accurately describe operations. The broker must base liability analysis on operational facts, not assumptions. Course topic reference: Liability; Contractors; Analyzing Risk Exposures; Roofing Operations; Completed Operations and Premises Liability .
問題 #33
......
對于C131認證是評估職員在公司所具備的能力和知識，而如何獲得IIC C131認證是大多數考生面臨的挑戰性的問題。現在的考試如C131在經常的跟新，準備通過這個考試是一項艱巨的任務，IIC C131考古題是一個能使您一次性通過該考試的題庫資料。一旦您通過考試，您將獲得不錯的工作機會，所以，選擇C131題庫就是選擇成功，我們將保證您百分之百通過考試。
C131考古題分享: https://tw.fast2test.com/C131-premium-file.html