만약 여러분은IBABC CAIB-3인증시험취득으로 이 치열한 IT업계경쟁 속에서 자기만의 자리를 잡고, 스펙을 쌓고, 전문적인 지식을 높이고 싶으십니까? 하지만IBABC CAIB-3패스는 쉬운 일은 아닙니다.IBABC CAIB-3패스는 여러분이 IT업계에 한발작 더 가까워졌다는 뜻이죠. 하지만 이렇게 중요한 시험이라고 많은 시간과 정력을 낭비할필요는 없습니다. Fast2test의 완벽한 자료만으로도 가능합니다. Fast2test의 덤프들은 모두 전문적으로 IT관련인증시험에 대하여 연구하여 만들어진것이기 때문입니다.
| Section | Objectives |
|---|---|
| Topic 1: Cyber Insurance | |
| Topic 2: Directors' and Officers' Liability Insurance | |
| Topic 3: Aviation Insurance | |
| Topic 4: Marine Insurance | |
| Topic 5: Risk Assessment for Advanced Commercial Risks | |
| Topic 6: Reinsurance | |
| Topic 7: Business Interruption Insurance | |
| Topic 8: Crime Insurance | |
| Topic 9: Surety Bonding |
우리는 고객이 첫 번째 시도에서IBABC CAIB-3 자격증시험을 합격할수있다는 것을 약속드립니다. IBABC CAIB-3 시험을 합격하여 자격증을 손에 넣는다면 취직 혹은 연봉인상 혹은 승진이나 이직에 확실한 가산점이 될것입니다. IBABC CAIB-3시험 어려운 시험이지만 저희IBABC CAIB-3덤프로 조금이나마 쉽게 따봅시다.
질문 # 11
While very similar, there are some key differences between the coverages provided under the profits form and the gross earnings form. Name three (3) of those key differences. (3 marks)
정답：
설명：
See the answer in Explanation below.
Explanation:
1. Gross Earnings coverage normally ends when the damaged property is repaired, rebuilt or replaced. The Profits Form can continue until the business income returns to the level it would have reached, subject to the selected indemnity period.
2. Under Gross Earnings, delays caused by the insured or other people involved can reduce the claim. Under the Profits Form, the focus is on delays for which the insured is responsible.
3. The Profits Form can cover income loss caused by delays in complying with building by-laws, while the Gross Earnings Form does not cover that additional delay in the same way.
Reference: CAIB 3 Training & Study Pack - Business Interruption: Gross Earnings Form compared with the Profits Form.
질문 # 12
DEFINE: EXTENDED REPORTING PERIOD (1 mark)
정답：
설명：
See the answer in Explanation below.
Explanation:
An Extended Reporting Period is extra time after a claims-made policy ends during which a claim can still be reported for an occurrence or wrongful act that happened during the covered period, subject to the policy terms and any retroactive date.
Reference: IBAC CAIB 3 Student Resource Guide (2013), Chapter 2 - Claims-Made coverage and Extended Reporting Period, reference p. 2-40.
질문 # 13
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)
정답：
설명：
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.
질문 # 14
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)
정답：
설명：
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.
질문 # 15
DEFINE: OBLIGEE (1 mark)
정답：
설명：
See the answer in Explanation below.
Explanation:
The obligee is the party to whom the principal owes an obligation and the party that receives the protection of the surety bond.
Reference: IBAC CAIB 3 Student Resource Guide (2013), Chapter 5 - Surety Bonds, reference p. 5-2.
질문 # 16
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