CertShikenは開発に従属しています。そして、当社の専門家は、試験の知識を3つのバージョンで示す製品に一般化します。 C130試験問題のPDFバージョン-顧客の印刷リクエストをサポートし、論文の印刷と練習ができます。 C130学習ガイドのソフトウェアバージョン-シミュレーションテストシステムのサポート。このバージョンはWindowsシステムユーザーのみをサポートすることを忘れないでください。 C130モッククイズのアプリ/オンラインバージョン-あらゆる種類の機器やデジタルデバイスに適しているため、履歴とパフォーマンスをより良く確認できます。
| Section | Weight | Objectives |
|---|---|---|
| Automobile Insurance | 10% | - Mandatory and optional coverages - Rating and policy issues - Provincial variations |
| The Application Process | 10% | - Duty of disclosure - Underwriting considerations - Completing applications |
| Property Insurance Wordings | 12% | - Valuation methods - Coverages and exclusions - Common policy forms |
| Property Insurance Exposures | 10% | - Small commercial property risks - Exposures and perils - Personal property risks |
| From Quote to Policy | 10% | - Policy issuance and delivery - Policy structure and components - Quotation and binding authority |
| Liability Insurance | 12% | - Personal liability coverages - Commercial general liability - Legal liability concepts |
| Communication and Service Skills | 8% | - Client communication - Policy changes and endorsements - Record keeping |
| Sales and Client Needs | 10% | - Risk identification - Insurance solutions - Client consultation |
| Insurance and the Intermediary | 10% | - Licensing and regulation - Legal duties and ethics - Roles of brokers and agents |
| Claims Handling | 8% | - Claim reporting process - Broker's role in claims - Settlement and subrogation |
CertShikenのC130問題集は的中率が100％に達することができます。この問題集は利用したそれぞれの人を順調に試験に合格させます。もちろん、これはあなたが全然努力する必要がないという意味ではありません。あなたがする必要があるのは、問題集に出るすべての問題を真剣に勉強することです。この方法だけで、試験を受けるときに簡単に扱うことができます。いかがですか。CertShikenの問題集はあなたを試験の準備する時間を大量に節約させることができます。これはあなたがC130認定試験に合格できる保障です。この資料が欲しいですか。では、早くCertShikenのサイトをクリックして問題集を購入しましょう。それに、購入する前に、資料のサンプルを試すことができます。そうすれば、あなたは自分自身で問題集の品質が良いかどうかを確かめることができます。
質問 # 22
Priya, a broker, receives a call from a prospective client, Umberto. Priya handles Umberto's inquiry and at the end of the call asks how he heard about her brokerage. He states that his manager at work has their home and auto coverage placed with Priya's brokerage. Which prospecting method would Priya check off on her questionnaire?
正解：A
解説：
The best answer is marketing because Umberto became aware of Priya's brokerage through an indirect promotional or reputation-based channel: word-of-mouth from another person connected to the brokerage's existing client base. This is not cross-selling, because cross-selling means offering an additional product line to an existing client, such as offering home insurance to an auto client. It is not cold calling, because Priya did not initiate contact with Umberto without a prior relationship or inquiry; Umberto called her. It is not upselling, because upselling involves encouraging a client to purchase higher limits, broader coverage, or enhanced features on an existing product. In sales practice, the question "How did you hear about us?" helps the brokerage track the effectiveness of prospecting channels, marketing campaigns, referrals, client satisfaction, and brand recognition. Even when the source is informal word-of-mouth, the broader category is marketing because it reflects how the brokerage attracted the prospect. References/topics: Sales; prospecting, marketing source tracking, referrals, client acquisition methods.
質問 # 23
A tenant's negligence causes a fire in the dwelling they rent. Typically, who is initially responsible for paying the damage?
正解：D
質問 # 24
Trevor is cutting down a tree in his backyard. The tree accidentally falls onto his neighbour's shed, destroying the roof. Two weeks later, Trevor receives a document from his neighbour suing him for the damages to the shed and its contents. Which document has Trevor received?
正解：D
解説：
Trevor has received a statement of claim. A statement of claim is the legal document that starts a civil lawsuit and sets out the claimant's allegations, the facts relied on, and the damages being sought. In this scenario, the neighbour is suing Trevor for damage to the shed and contents allegedly caused by Trevor's negligent tree- cutting activity. A judgment notice would come later, after a court has made a decision or entered judgment.
A statement of defence is the responding document filed by the defendant after being sued; it is not the document Trevor receives from the claimant to initiate the action. "Damages attestation" is not the standard legal pleading in this context. From a claims-handling perspective, Trevor should immediately forward the statement of claim to his insurer or broker and avoid admitting liability or negotiating independently. Liability policies typically require prompt notice and cooperation when legal proceedings are received. References
/topics: Claims; statement of claim, liability lawsuit, legal documents, notice to insurer, defence obligations.
質問 # 25
Which occupancy would be most attractive to an insurer reviewing a property's exposure?
正解：D
解説：
A clothing store is generally the most attractive occupancy among the options because it presents a comparatively lower property hazard than a scrap yard, restaurant, or auto body shop. Occupancy is one of the central underwriting factors in property insurance because it affects fire load, ignition sources, theft exposure, water damage likelihood, liability hazards, and loss severity. A scrap yard may involve combustibles, outdoor storage, environmental concerns, and difficult fire suppression. A restaurant has cooking equipment, grease, open flame or heat sources, ventilation systems, and high fire frequency potential. An auto body shop may involve spray painting, flammable liquids, welding, solvents, and vehicle storage. A clothing store does have stock that can burn and may have theft exposure, but it lacks the same severe ignition and industrial hazards.
Therefore, from an underwriting perspective, it is the most favourable risk class listed. Brokers must understand occupancy because misdescribing it can invalidate underwriting assumptions and create coverage disputes. References/topics: Property Insurance-Exposures; occupancy hazard, property underwriting, fire load, commercial risk classification.
質問 # 26
What is an agent's primary duty to the insurer?
正解：C
解説：
An agent's primary duty to the insurer is to provide all relevant material facts. Insurance underwriting depends on accurate disclosure of facts that would influence the insurer's decision to accept the risk, reject it, modify terms, impose exclusions, charge additional premium, or require risk improvements. Material facts may include occupancy, prior losses, construction, protection systems, use of vehicles, business operations, liability hazards, renovations, vacancy, or any other fact relevant to the risk. Option B is too narrow and potentially inappropriate; an insured's finances may be relevant in limited circumstances, but they are not the agent's primary duty in ordinary underwriting. Option C is improper because placement should not be based on personal relationships with insurers. Option D is also incorrect because the amount of liability coverage should reflect the client's needs and insurer availability, not a blanket obligation to quote the maximum. The agent's duty to the insurer is grounded in honest, complete, and timely disclosure within the agency relationship. References/topics: Insurance and the Intermediary; material facts, agency duties, underwriting disclosure, utmost good faith.
質問 # 27
......
当社CertShikenの専門家のほとんどは、長年プロの分野で勉強しており、C130練習問題で多くの経験を蓄積しています。当社は、才能の選択にかなり慎重であり、常に専門知識とスキルのある従業員を雇用しています。専門家と作業スタッフの全員が高い責任感を維持しているため、C130試験の資料を選択して長期的なパートナーになる人が非常に多くいます。
C130試験参考書: https://www.certshiken.com/C130-shiken.html