実用的なCAIB-3|高品質なCAIB-3日本語受験教科書試験|試験の準備方法Canadian Accredited Insurance Broker (CAIB 3) Exam日本語版試験勉強法

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CAIB-3日本語受験教科書, CAIB-3日本語版試験勉強法, CAIB-3資格準備, CAIB-3対応受験, CAIB-3日本語復習赤本

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IBABC CAIB-3 Exam Syllabus Topics:

Section Objectives
Topic 1: Risk Assessment for Advanced Commercial Risks
Topic 2: Aviation Insurance
Topic 3: Reinsurance
Topic 4: Surety Bonding
Topic 5: Business Interruption Insurance
Topic 6: Cyber Insurance
Topic 7: Crime Insurance
Topic 8: Directors' and Officers' Liability Insurance
Topic 9: Marine Insurance

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一番優秀なCAIB-3日本語受験教科書試験-試験の準備方法-信頼的なCAIB-3日本語版試験勉強法

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IBABC Canadian Accredited Insurance Broker (CAIB 3) Exam 認定 CAIB-3 試験問題 (Q23-Q28):

質問 # 23
Why is business interruption coverage important? (3 marks)

正解:

解説:
See the answer in Explanation below.
Explanation:
1. It replaces income or earnings lost while the business cannot operate normally after an insured loss.
2. It helps pay continuing expenses such as rent, taxes and salaries while income is reduced.
3. It helps the business survive the interruption and return to normal operations without using up all of its working capital.
Reference: CAIB 3 Training & Study Pack - Business Interruption: purpose of business interruption insurance.


質問 # 24
DEFINE: PARTICULAR AVERAGE (1 mark)

正解:

解説:
See the answer in Explanation below.
Explanation:
Particular average is a partial loss to a specific marine shipment caused by an insured peril, other than a General Average loss.
Reference: IBAC CAIB 3 Student Resource Guide (2013), Chapter 4 - Marine Insurance, Particular Average, reference p. 4-16.
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質問 # 25
Which of the following most accurately describes the period of coverage for a cyber insurance policy? (1 mark)

  • A. A fixed time period, which can range from 30 days to 12 months following the date of loss, depending on the insurance policy.
  • B. Any of the above, depending on which is earliest.
  • C. The date when systems should have been restored.
  • D. The date when systems are restored.

正解:B

解説:
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.


質問 # 26
From a risk management perspective, every loss exposure has three dimensions. What are the three (3) dimensions? (1 mark)

  • A. Type of value exposed, peril causing loss, extent of potential resulting financial consequences.
  • B. Estimated frequency, estimated severity, probability of recovery.
  • C. Peril exposed, estimated frequency, estimated severity.
  • D. Property exposed, latency period, probability of loss.

正解:A

解説:
Comprehensive Explanation: CAIB risk management analyzes a loss exposure by looking at the type of value exposed, the peril that could cause the loss, and the possible financial consequences. Frequency and severity are important later when the financial consequences are analyzed, but they are not the three dimensions asked for here.
Reference: IBAC CAIB 3 Student Resource Guide (2013), Chapter 6 - Risk Management, loss exposure dimensions, reference p. 6-3.


質問 # 27
DEFINE: FIXED EXPENSES (BUSINESS INTERRUPTION) (1 mark)

正解:

解説:
See the answer in Explanation below.
Explanation:
Fixed expenses are expenses that continue during a business interruption and do not change directly with the level of sales or production. Examples include rent, property taxes, insurance and certain salaries.
Reference: CAIB 3 Training & Study Pack - Business Interruption: continuing and fixed expenses.


質問 # 28
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