近來，隨著IT技術的不斷快速發展，學習IT技術的人越來越多。這也導致在IT行業工作的人越來越多。於是，IT行業的競爭愈發激烈了。同樣在IT行業工作，並且有著IT夢的你，肯定不希望被別人趕上甚至超過吧？那麼，這就需要你不斷提升自己的技能，向別人證明你自己的實力。那麼怎樣才能證明你自己的能力呢？越來越多的人選擇參加IT認定考試取得認證資格來證明自己的實力。你也想获得认证资格吗？首先来参加IBABCのCAIB-3认定考试吧。这是IBABC的最重要的考试，同时也是被业界广泛认证的资格。
| Section | Objectives |
|---|---|
| Topic 1: Aviation Insurance | |
| Topic 2: Reinsurance | |
| Topic 3: Surety Bonding | |
| Topic 4: Risk Assessment for Advanced Commercial Risks | |
| Topic 5: Business Interruption Insurance | |
| Topic 6: Marine Insurance | |
| Topic 7: Directors' and Officers' Liability Insurance | |
| Topic 8: Cyber Insurance | |
| Topic 9: Crime Insurance |
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問題 #41
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)
答案：
解題說明：
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.
問題 #42
Which of the following best describes the insured's involvement in reinsurance? (1 mark)
答案：A
解題說明：
Comprehensive Explanation: Reinsurance is a contract between the primary insurer (cedent) and the reinsurer. The original insured is normally not a party to that contract and usually has no direct involvement with the reinsurer. The primary insurer remains responsible to the insured under the original policy.
Reference: CAIB 3 Training & Study Pack - Reinsurance: relationship between insured, cedent and reinsurer.
問題 #43
Which of the following most accurately describes the period of coverage for a cyber insurance policy? (1 mark)
答案：A
解題說明：
Comprehensive Explanation: For cyber business interruption, the restoration period can end when systems are actually restored, when they should reasonably have been restored, or when the maximum time period stated in the policy is reached. The earliest applicable point normally controls, so D is the best answer.
Reference: CAIB 3 Training & Study Pack - Cyber Insurance: business interruption and period of restoration.
問題 #44
Fred's Fried Things is a busy fast food business and has protocol in place to make sure they don't have too much cash on site, depositing it at the bank twice per day. Today, while taking the first deposit to the bank, the manager is robbed at gunpoint. Is there coverage available for this loss? Why or why not? (3 marks)
答案：
解題說明：
See the answer in Explanation below.
Explanation:
Yes. This would be covered under Outside the Premises/Outside Robbery coverage. The manager is a custodian carrying the business money to the bank, and the money was taken by robbery at gunpoint. The loss would be covered subject to the policy limit and deductible.
Reference: CAIB 3 Training & Study Pack - Crime Insurance: Outside the Premises/Outside Robbery coverage and custodian.
問題 #45
A primary insurer was offered a risk requiring $100 million of insurance, but only had capacity to underwrite
$40 million, so they opted for facultative reinsurance.
A) If the risk is reinsured using pro rata facultative insurance, how much of the coverage would belong to the primary insurer and how much does the reinsurer take on? (2 marks) B) What would it mean if they chose to use excess-of-loss facultative reinsurance instead? (1 mark) (3 marks)
答案：
解題說明：
See the answer in Explanation below.
Explanation:
A) The primary insurer would retain $40 million and the reinsurer would take $60 million. Under pro rata reinsurance, premiums and losses are shared in the agreed proportion.
B) With excess-of-loss reinsurance, the primary insurer would pay losses up to its $40 million retention, and the reinsurer would pay the amount above $40 million, up to the agreed reinsurance limit.
Reference: CAIB 3 Training & Study Pack - Reinsurance: facultative, pro rata and excess-of-loss reinsurance.
問題 #46
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