Pass4Test의 IIC인증 C131덤프를 구매하시고 공부하시면 밝은 미래를 예약한것과 같습니다. Pass4Test의 IIC인증 C131덤프는 고객님이 시험에서 통과하여 중요한 IT인증자격증을 취득하게끔 도와드립니다. IT인증자격증은 국제적으로 인정받기에 취직이나 승진 혹은 이직에 힘을 가해드립니다. 학원공부나 다른 시험자료가 필요없이Pass4Test의 IIC인증 C131덤프만 공부하시면IIC인증 C131시험을 패스하여 자격증을 취득할수 있습니다.
| Section | Objectives |
|---|---|
| Property Insurance Coverages | - Property coverages fundamentals |
| Specialized Insurance Lines | - Manufacturers, distributors, freight forwarders - Crime and bonds - Builders risk insurance - Contractors insurance - Automobile insurance |
| Risk Management | - Insurance in a risk management plan - Selecting risk techniques - Analyzing risk exposures - Monitoring and modifying risk management plans |
| Liability Insurance | - Commercial and general liability concepts |
IIC C131인증은 아주 중요한 인증시험중의 하나입니다. Pass4Test의 베터랑의 전문가들이 오랜 풍부한 경험과 IT지식으로 만들어낸 IT관연인증시험 자격증자료들입니다. 이런 자료들은 여러분이IIC인증시험중의C131시험을 안전하게 패스하도록 도와줍니다. Pass4Test에서 제공하는 덤프들은 모두 100%통과 율을 보장하며 그리고 일년무료 업뎃을 제공합니다
질문 # 64
Which person would be hired by another contractor, because of her experience in a particular trade, to complete a portion of a larger project?
정답：D
질문 # 65
A broker is emailed by a prospect looking to cover his three stores that do not hold title to any goods, and can never be held contractually responsible for those goods. What type of stores are these?
정답：D
설명：
The correct answer is B. Consignment . A consignment store sells goods that are owned by another party, commonly called the consignor. The store holds or displays the goods for sale but does not usually take title to them. Instead, the store earns a commission or share of the sale proceeds when the goods are sold. The question's key phrase is that the stores "do not hold title to any goods." That points directly to a consignment arrangement rather than ordinary retail ownership of stock. A bailor is the owner of property who transfers possession to another party, so the store itself would more likely be the bailee rather than the bailor. A manufacturer produces goods, which does not fit the facts. A freight forwarder arranges transportation and logistics for goods, not retail sale through stores. The insurance issue is that property not owned by the store may still create exposure depending on care, custody, control, legal liability, contractual responsibility, and policy wording. The broker must determine whether the store needs property of others coverage, bailees coverage, or legal liability protection. Course topic reference: Manufacturers, Distributors, and Freight Forwarders; Consignment Operations; Property of Others; Title and Legal Responsibility .
질문 # 66
Angie is frustrated with her insurer as she recently had a mysterious disappearance claim that was denied under her commercial property policy. Why was Angie likely denied her claim?
정답：D
설명：
The correct answer is A. She had chosen named perils coverage . Named perils coverage only responds when the loss is caused by a peril specifically listed in the policy. If the cause of loss cannot be shown to fall within one of those named perils, the claim will usually fail. Mysterious disappearance is difficult because the insured may know property is missing but cannot prove theft, burglary, fire, or another insured peril. Under a broad or all-risks form, unexplained disappearance may still be limited or excluded depending on wording, but under named perils coverage the problem is even more direct: the insured must prove the loss was caused by an insured peril. A previous similar claim may affect underwriting attitude, but it does not automatically deny a current valid claim. An appraisal timing issue is not the reason for denial unless policy conditions specifically make it relevant. Unearned premium is not a normal basis to deny a claim when the policy is in force. The broker should explain that cheaper named perils coverage provides narrower protection and requires stronger proof of cause. Course topic reference: Property Coverages; Named Perils; Mysterious Disappearance; Proof of Loss; Coverage Limitations .
질문 # 67
By conducting online research of a risk's profile and website, and asking about supplies, machinery, and manufacturing process used, which liability exposure of the risk is being assessed?
정답：B
설명：
The correct answer is A. Current . The wording points to current operations liability exposure. When a broker researches a business profile, reviews its website, and asks about supplies, machinery, and manufacturing processes, the broker is trying to understand what the business is currently doing and how those operations may injure third parties or damage their property. Current operations exposure includes the risk arising from ongoing business activities, such as manufacturing, processing, handling raw materials, operating machinery, moving goods, using hazardous substances, or interacting with customers and suppliers.
Premises liability focuses mainly on hazards connected with the insured location, such as slip and fall risks, building condition, access, lighting, and maintenance. Contractual liability focuses on obligations assumed under contracts, indemnity agreements, leases, or service agreements. Professional liability concerns errors in specialized advice or professional services. The facts in this question are operational: supplies, machinery, and manufacturing process. These are not mainly premises, contract, or professional issues. The broker is assessing the liability arising from the insured's current business operations. Course topic reference:
Liability; Analyzing Risk Exposures; Current Operations Liability; Manufacturing Process and Operational Hazards .
질문 # 68
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.
정답：
설명：
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 .
질문 # 69
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