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| Certification Vendor: | ASHRM (American Society for Health Care Risk Management) |
|---|---|
| Exam Name: | Certified Professional in Health Care Risk Management |
| Exam Number: | CPHRM |
| Available Languages: | English |
| Exam Duration: | 120 minutes |
| Passing Score: | Not publicly disclosed |
| Exam Price: | USD 275 (ASHRM/AHA members) / USD 425 (non-members) |
| Exam Format: | Multiple-choice |
| Certificate Validity Period: | 3 years |
| Real Exam Qty: | 110 |
| Related Certifications: | CPHRM |
| Sample Questions: | ASHRM CPHRM Sample Questions |
| Exam Way: | Computer-based testing at PSI test centers (250+ locations in US) |
| Pre Condition: | Minimum 3,000 hours full-time healthcare risk management experience; plus education requirements: High school diploma + 9 years healthcare experience, OR Associate degree + 7 years healthcare experience, OR Bachelor's degree or higher + 5 years healthcare experience. |
| Official Syllabus URL: | https://www.ashrm.org/topics/certified-professional-healthcare-risk-management-cphrm |
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NEW QUESTION # 105
For a liability claim to succeed, the claimant must establish duty owed, duty breached, proximate cause, and
Answer: B
Explanation:
Under Health Care Risk Management principles outlined by ASHRM and the American Hospital Association Certification Center, a successful negligence claim requires proof of four essential legal elements: duty, breach of duty, causation, and damages. Duty refers to the legal obligation owed by the healthcare provider to the patient. Breach occurs when the provider fails to meet the applicable standard of care. Proximate cause establishes the direct link between the breach and the harm suffered.
The final required element is actual injury or damages sustained by the claimant. Without demonstrable harm, a negligence claim cannot succeed, even if duty and breach are proven. The injury may include physical harm, emotional distress, or financial loss, but it must be measurable and attributable to the breach.
Contributory negligence is a defense that may reduce or bar recovery but is not an element the claimant must prove. Punitive damages are awarded in exceptional cases involving egregious misconduct and are not required to establish liability. Gross negligence represents a higher degree of negligence but is not a required element in standard malpractice claims.
Therefore, proof of injury sustained is essential for a liability claim to succeed.
NEW QUESTION # 106
A risk manager is reviewing the professional liability insurance policy for the limits of liability. Which of the following should the risk manager review FIRST?
Answer: A
Explanation:
According to Health Care Risk Management standards supported by ASHRM and the American Hospital Association Certification Center, the declarations page is the first section a risk manager should review when assessing limits of liability in a professional liability insurance policy. The declarations page summarizes key policy information, including named insureds, policy period, coverage types, limits of liability per occurrence and aggregate, deductibles or self-insured retentions, endorsements, and premium details.
Because the question focuses specifically on limits of liability, the declarations page provides the most direct and concise statement of coverage limits. It serves as the policy's summary and reference point for determining financial exposure and coverage structure.
The insuring agreement defines the scope of coverage and triggers for defense and indemnity obligations but does not list specific limit amounts. Exclusions outline what is not covered, and conditions specify policyholder responsibilities such as notice and cooperation requirements. While all sections are important for comprehensive review, the declarations page is the appropriate starting point when verifying coverage limits.
Risk financing objectives emphasize careful policy analysis to ensure alignment between coverage limits and organizational risk exposure. Therefore, the declarations page should be reviewed first when assessing limits of liability.
NEW QUESTION # 107
In enterprise risk management, which of the following are external factors that may affect risk?
Answer: A
Explanation:
According to Health Care Risk Management standards supported by ASHRM and enterprise risk management ERM principles, external factors include conditions outside the direct control of the organization that influence strategic, operational, financial, and regulatory risk exposures.
A physician shortage is an external workforce market condition that can affect staffing stability, access to care, and malpractice exposure. New regulations are also external factors, as legislative or regulatory changes may alter compliance requirements, reimbursement structures, or reporting obligations. Similarly, soft insurance market trends reflect external economic and underwriting environments that influence premium pricing, availability of coverage, and risk financing strategy.
Resolution of claims, however, is generally an internal operational or claims management outcome. While influenced by external legal environments, the resolution process itself is primarily part of internal risk management and litigation strategy rather than a broad external environmental factor.
ERM objectives emphasize analysis of external environmental drivers, including regulatory, workforce, economic, and market conditions. Therefore, physician shortages, new regulations, and soft insurance market trends are external factors affecting risk, while resolution of claims is not primarily classified as external.
NEW QUESTION # 108
The first layer of insurance that will respond to a specific type of loss or exposure is called
Answer: A
Explanation:
According to Health Care Risk Management principles supported by ASHRM and the American Hospital Association Certification Center, insurance coverage for liability exposures is often structured in layers. The first layer of insurance that responds to a covered loss is known as the primary policy.
Primary insurance provides initial coverage once any applicable deductible or self-insured retention has been satisfied. It is responsible for defense and indemnity payments up to the policy's stated per-occurrence and aggregate limits. Only after the primary policy limits are exhausted do excess or umbrella policies respond.
Terms such as baseline, foundation, and frontline are not recognized technical classifications in layered insurance structures. In professional and general liability programs, organizations commonly maintain a primary layer followed by one or more excess layers to protect against catastrophic losses.
Risk financing objectives emphasize understanding policy structure, limits, attachment points, and coordination between layers to ensure adequate protection of organizational assets. Therefore, the correct term for the first layer of insurance that responds to a loss is the primary policy.
NEW QUESTION # 109
If no specific OSHA standard applies to a given potential health hazard, then
Answer: B
Explanation:
According to Health Care Risk Management standards outlined by ASHRM and the American Hospital Association Certification Center, the Occupational Safety and Health Act includes a provision known as the General Duty Clause. This clause requires employers to furnish a workplace free from recognized hazards that are causing or are likely to cause death or serious physical harm, even when no specific OSHA standard addresses the hazard.
The General Duty Clause grants OSHA authority to cite employers for unsafe conditions not explicitly covered by a detailed regulation. To issue a citation under this clause, OSHA must demonstrate that a recognized hazard exists, that the hazard poses a risk of serious harm, and that feasible methods exist to correct or mitigate the hazard.
Therefore, OSHA retains enforcement authority even in the absence of a specific standard. The agency's jurisdiction does not disappear simply because no detailed regulation addresses the particular risk.
Legal and regulatory objectives in healthcare risk management emphasize maintaining compliance with federal occupational safety laws and proactively identifying workplace hazards. Accordingly, OSHA may govern the hazard under the General Duty Clause when no specific standard applies.
NEW QUESTION # 110
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