OTL Practice Exam #4 Insurance is a. Speculative risk b. The sharing of the losses of the many among the few ©. Protection against the occurrence of loss d. The undertaking by one person to indemnify another person against specific loss Insurance is another name for dealing with risk by a. Transferring it b. Reducing it cc. Assuming it d. Eliminating it Which of the following is correct? Moral hazard is easier to detect and correct than physical hazard ‘A hazard can cause a loss to be less severe A peril is an event which may cause a loss to occur ‘An example of physical hazard is obsolescence of plant and machinery eese Pure premium is Total premium required by the insurance company Premium required to meet the inflated anticipated losses Rate or unit of premium required Premium required to meet the losses that occur aose Which of the following is correct? a. Atrust account is so called because of the high level of good faith required in insurance contracts b. Adequate capacity is the ability to provide a full range of insurance protection Profit commission is commission only paid when the Insurer makes a profit The operating account is used to hold aside premiums due to the Insurer Which is one of the essential elements necessary to providing good client service? Adequate capacity Loss prevention services Low rates of commission A reasonable production target aece ‘Which of the following is incorrect? Unearned premium reserves consist of that portion of the premium not yet earned ‘Stock companies operate for the benefit of their members only IBNR reserves mean reserves set aside for losses that have occurred but have not yet been reported d. Stock insurance companies achieve a profit from two sources ese December 2002 ‘Geral Licensing Preparation Package — OTL Practice Exams wie10. "1 12. 13. 14. ‘A person wishing to buy insurance may complete A declaration An application Abinder Accover note eese Which of the following is incorrect? ‘A Public Adjuster works on behalf of the Insured ‘A premium is the amount of money charged to insure a specific risk A rate is the price of a unit of insurance Casualty insurance specializes in commercial property insurance and accident insurance pegs Abinder is a. Isa temporary insurance undertaking b. Must always be in writing ©. Is an all inclusive insurance package 4. Cannot be terminated once it has bee A material fact is one that could affect 2, The premium payment arrangements b. The term of the policy c. The premium or type of policy available d. The Statutory Conditions The main purpose of Coinsurance is a. To encourage full insurance on the building being insured b. To force the Insured to share in all losses, regardless of the amount of insurance carried c. _Toencourage the carrying of insurance that meets the coinsurance requirements d. None of the above statements are correct A building has a replacement cost of $200,000 and is subject to a 90% Coinsurance clause. The Insured carries insurance in the amount of $90,000 and there is @ $60,000 loss to the building. What will the Insurance Company pay? a $60,000 b. $30,000 c. $27,000 d. $35,000 Coinsurance usually applies to ‘All property insurance, both Personal and Commercial ‘As for (a) but also Liability coverages High value property risks None of the above are correct pore December 2002 Gera snag Prparton Package — OTL Protos as wie15. 16. 17, 18. 19. 20. 2 A subscription policy differs from other policies in that a, _ tis specifically designed for a particular risk and does not use preprinted wordings b. More than one insurer participates in a policy prepared by the lead company More than one insurer covers a portion of the risk under its own wording d. Court decisions have established the meanings of words regardless of the intent Which of the following Statements is true about Temporary Insurance? a. Abinder is issued by a broker b. binder should show the premium being charged ©. It should be cancelled in the same way as permanent insurance d. If the coverage is bound by phone, it can be safely cancelled by phone A legal person is one who a. Contracts for a legal purpose b. Does nothing that goes against public policy ©. Acts within the boundaries of the law in all things d. Can sue and be sued ‘Which of the following is noLire-about the Mortgage Clause? ‘a. There are certain obligations under the Mortgage Clause, that apply to the Mortgage b. Amortgage clause is the same as a loss payee clause c. The mortgage clause is an agreement between the Insurer and Mortgage, quite separate from the agreement between the Insurer and the Insured d. _ Ifan Insured violates a policy condition, the Mortgagee may still be paid for a loss, while the Insured would not be paid for that same loss With regards to contract law, a "meeting of the minds” is necessary to fulfil the element of Agreement Genuine intention Consideration Legal capacity a b. ©, 4. ‘The Basic Fire Policy covers a. Fire, explosion and lightning b. Fire, smoke lightning and explosion ©. Excludes losses when the dwelling is vacant for more than 30 days but has no such exclusion if the dwelling is merely unoccupied for 30 days d. Is quite popular today with those wanting to save money Extended coverage perils include which of the following? a, Fire and sewer-back-up b. Earthquake and hail . Windstorm and vandalism [Link] the above esamber 2002 Genre Lica Preparation Package — OTL Practice Exams wise22. 23, 24, 28. 26. 27. 28. The Extended Coverage endorsement Does not affect the Basic Fire Policy perils but does add new perils Does not increase the dollar amount of coverage on the Basic Fire Policy Is very important since it provides theft coverage pers Provides coverage if a frame home has to be replaced with a brick home Which of the following is not an extended coverage peril? a. Impact by aircraft or land vehicle b. Windstorm or hall c Warrisks d. Freezing When a loss occurs under the basic fire insurance policy, the amount payable is the least of three amounts, Which of the following does not belong? a. Original cost of the property b. Actual cash value Sum insured d. The Insured's interest in the property Ifa fire policy covers a dwelling for $100,000, which one of the following is correct? fa. _ Ifthe property is jointly owned by Tom and Dick and insured in Tom's name, then if there is a $40,000 loss, the policy will pay Tom $20,000 b. The same as (a) but the policy will pay $40,000 ©. The policy will be treated as void and pay nothing d. The polioy will initially pay $20,000 and on proof of Dick's part ownership, will pay the other $20,000 ‘There are three general types of exclusions under insurance policies. Which of the following does not belong to the group? a. Those that exclude losses considered to be uninsurable b. Those that restrict or limit coverage c. Those that exclude property that the Insurer does not wish to insure d. Those that exclude property that can be insured under other types of policies The Homeowner policy has the following number of Sections to it a One b. Two ¢, Three a. Four After a loss, an insured a. Must get three estimates of the damage incurred b. Must deliver a proof of loss to the insurer as soon as practicable c. Must call an adjuster immediately d.__ sno longer responsible for the damaged property and the Insurer takes over December 2002 Gerera casing Preparation Package — OTL Proce Bee wae29. 30. 34 32. 33. 34. 35. ‘The Property Coverages of the Homeowners Basic Form include a. Dwelling building, personal property and seasonal residences b. Dwelling building, contents, scheduled items and liability ¢. Dwelling building, detached private structures, personal property and additional living ‘expenses 4. Dwelling building, personal property, glass and motors/boats To which of the following items insured under a Homeowners Policy does a limit apply when the item is stolen, but not when it is damaged in an explosion? a, Garden tractors b. Watercraft cc. Computer software d. Jewellery wr Ce nich of the following Is not a specified peril as defined by the Homeowners omprehensive Form? a. Theft b. Smoke c. Explosion d. Water escape Which of the following is not true of a Condominium Corporation? a. It buys insurance for the condominium units on behalf of their owners b. Its members comprise of the owners of the condominium units c. It buys insurance for the condo building on behalf of the owners d. Its bylaws are binding on all members of the Corporation The Mobile Homeowners Form Provides coverage similar to that of the Homeowners Broad Form Covers loss or damage occurring while the building is being moved Includes collision coverage considers all furnishings attached to the building, as part of the building coverage rather than the contents aose ‘Small retail business package policies provide coverage for Contents, liability, errors and omissions and crime Contents, liability, crime and business interruption Contents, liability, crime and fidelity Contents, liability, boiler and machinery and fidelity peop Detailed information required to underwrite and rate a commercial property policy Nearby business operations Incidental office use Agreements with suppliers Contractual liability agreements aege December 2002 ‘Geral Lcensing Preparation Package— OTL Practoe Bes wise36. 37. 38. 39. 40. Which statement is incorrect? Commercial Property policies may be written on a Fire & E.C., Named Perils or All Risk basis b. Building coverage includes growing plants used for decorative purposes when the Insured owns the building c. — Equipment includes fittings, fixtures, tools and contents of every description except stock d. ‘Stock includes merchandise of every description. but,excludes packaging, wrapping and advertising materials Poe Which of the following is not true about the Commercial Property Floater? a. _Itis anamed peril policy covering at specified premises b. Covers stock, equipment and tenant's improvements as well as property in the custody of sales people c. tis written subject to a deductible and coinsurance d.__ tis rated on the basis of Fire and E.C. plus a loading The Commercial Building, Stock and Equipment policy covers a. Building maintenance supplies under the building coverage b. Wrapping and advertising supplies under the equipment coverage c. Tenant's improvements made at the Insured’s expense to buildings not owned by him, under the building coverage d. Growing plants and trees inside a building owned by the Insured under the equipment coverage Which statement is correct a. Builder's Risks policies are written for a minimum amount and adjusted as the building progresses b. The key underwriting factor with Contractors Equipment Floaters is how the equipment will be used c. Bailes are people who give goods to Bailors d. Jewellers Block policies are often provided based on very limited application information The policy that covers virtually any contents at specified locations, at newly acquired locations, in transit, and in the custody of salespeople is the ‘Small Retail Business Package Commercial Property Fio; Commercial Building, Equipment and Stock Form Office Equipment Floater peop December 2002 Garr icrsig Preparation Package — OT Proce Ext wee44. 42. 43, 45. 48. Which statement is incorrect? a. Glass insurance covers damage from all causes, except Fire, Windstorm and Nuclear Damage b. Boiler and Machinery Insurance provides coverage for boilers, pressure vessels and machinery. c. The major exposure with boilers and pressure vessels is explosion d. The major exposure with machinery is breakdown Machinery and equipment such as plumbing, heating and electrical systems being, or to be installed in building being erected or renovated are covered under a Builder's Risk policy Contractor's Equipment Floater Boiler and Machinery policy Installation Floater nege Extra Expense Insurance is purchased to a. _ Replace lost income until a business is able to reopen b. Restore lost profits until the business is no longer affected by a business interruption c. Insure the loss suffered by a business when its affected by a property loss of another business upon which it depends a. Pay additional amounts incurred to keep a business going in spite of a major loss Which is incorrect with regards to the 3-D policy? ‘a. The main problem with this type of policy it its lack of flexibility b. This policy combines external and internal crime coverage c. This policy would appeal to a business with a large number of staff, handling money and where there is a high tumover of staff d, The policy provides coverage for both counterfeit money and forgery ‘Which is incorrect as far as Surety Bonds are concemed? a, Bonds are similar to insurance but differ in several ways b Bonds generally guarantee performance c. _The person who purchases the bond is not protected by it 6. A bond is in force until the Insurer or Bond purchaser decides to cancel it Under a Bid Bond, the principal is the a. Owner of the project b. Personal surety c. a Insurer Contractor roar 2002 General icersing Propersn Package — OTL Prctoe Beams wate47. 48, 49. 50. 51 52. Which is correct as far as Surety Bonds are concemed? a b, 6. ct ‘Abid bond is required as evidence that the construction job will be properly completed in accordance with the specifications A Labour and Materials Bond is provided by suppliers of labour and material on a project to ensure they are both there in a timely fashion ‘An Administration Bond falls under the general category of a Fiduciary Bond Examples of Fiduciaries would include contractors Stock burglary covers a b. ©. 4. Theft of stock by an employee Theft from show windows opening directly into the interior of the premises Malicious mischief caused during the burglary of stock Theft of securities caused by robbery of a watchman On the subject of Claims, which statement is not true? a b. ©. a. Public adjusters work on behalf of the public Telephone adjusters specialize in contacting Third Party claimants by phone Independent adjusters take on assignments from many different insurers Claims examiners are senior claims people who scrutinize the work of outside independent adjusters Which of the following statements regarding Reinsurance is incorrect? perp The sole reason for reinsurance is to share the Insurer's risks Treaty reinsurance is automatic Facultative reinsurance is arranged on individual risks The two methods of reinsurance are proportional and non proportional Damages awarded for out-of-pocket items such as medical expenses are called a. b. ©. 4. Exemplary damages Special damages Ordinary damages General damages Which statement is not true about liability insurance? Punitive damages are generally not covered by a liability policy Liability insurance is designed to pay only when the Insured is legally liable The number of people in the family in the household does not have a bearing on the premium charged ‘Special damages are only awarded for small dollar amounts such as out-of-pocket expenses Decombar 2002 Gera Liceaing Preparation Package —- OTL Precio Ears wee53. 5A, 55. 87. 58. Which statement is not true about the Commercial General Liability policy? a. _Itcan be written on either a Claims Made or an Occurrence basis b. [tiga flexible policy, designed to take care of most commercial liability exposures c. thas an Aggregate and an Each Occurrence limit 4. Itcovers Tenant Legal Liability for any kind of loss to rented premises for which the Insured is legally liable A Liability Insurance policy covers a. Damage to the property of another arising out of the Insured's negligence b. Injury caused to another by an intentional act of the Insured c. The transmission of communicable disease by the Insured d. Loss arising out of the ownership, use or operation of a motorized vehicle Which of the following is not correct with regards to Umbrella Liability a. They either require other underiying liability coverage in place or if they become the primary payer, a large deductible will most likely apply b. The main purpose of them is to supply high liability limits c. They are written on a Clalms Made or an Occurrence basis d. They may be useful when world wide liability coverage are required Employers Liability protects the Insured for legal liability for bodily injury a. Caused by residence employees arising out of and in the course of their employment b, To residence employees arising out of and in the course of their employment c. Imposed upon or assumed by the Insured under any Workers’ Compensation Statute d. Resulting from the use of aircraft while being operated or maintained by employees Actual cash value means a, 80% of the replacement cost today b. The original cost of the property ¢ The cost of replacing the property with a similar piece of property today taking into account accumulated depreciation d. Today's cost of the property without depreciation Which of the following is not true of automobile insurance applications? ‘An application is the source of information required to issue a policy ‘An application could be used to prove a misrepresentation , ‘Awritten automobile application is required by law ‘An application could be used to establish coverage which is being disputed eee ions must be disclosed December 2002 Gena caning Prepaiion Package — CTL Prasice Exe wioe60. 6 62. 63. 65. Direct Compensation-Property Damage under the OAP 1 policy, coverage can only apply a. Ifthe accident takes place in Ontario b. Same as (a), provided both cars are insured by Insurers licensed to transact business in Ontario c. Ifthe accident takes place in Ontario or Quebec 4d. _ Ifthe accident takes piace in Ontario, Quebec or Manitoba Which of the following is true as far as Statutory Conditions are concerned? a. Ifthe at fault owneridriver causes damage to another person or their property, the at fault owner/driver is required to forward all writs received to their Insurer b. Ifthere is @ loss or damage caused to the Insured's car, the car must be taken into the garage for repairs within 21 days of the accident date c. The loss must be paid within 30 days of receipt of the Proof of Loss d. fan Insured violates a Statutory Condition, the Insured forfeits all rights to claims benefits Ifa snowmobile sinks through thin ice, only one of the following will pay a. Specified perils b. Alpers Collision or upset d. OPCF 32 Recreational Vehicle Endorsement ‘There are certain exclusions that apply to Section 7 Loss or Damage coverage. Which one does not belong? Any kind of damage to tires, however caused Damage caused by the voluntary parting of title of ownership Damage to the contents of trailers Damage to CDs detached from the CD player in the car eeop When a station wagon is being used as a school bus which one of the following is correct? a. Thisis not allowed b. Coverage will apply if the policy is properly endorsed c Coverage will apply if the fact is mentioned on the policy and the premium is paid in {ull at the beginning of the policy term d. None of the above ‘The OAP 1 policy will provide coverage a. Ifthe caris used as a taxi b.__ Ifyou give an occasional ride to someone else and they share in the expense of the ride c. Ifthe car is taken without permission by an excluded driver and the car is totalled in the single car accident (no injuries) d. None of the above December 2002 (Gena Lcanang Preperation Package — OTL Prats Bans wt68, 67. 68. 69, 70. 71. 72. In Ontario, a threshold is The definition of the conditions under which an injured person can sue another motorist Determined solely by the person who is injured A\list of covered losses The maximum amount that a policy will pay for any loss involving injuries If there has been a material misrepresentation on an automobile policy, the Insurer is not required to pay under Accident Benefits aere income Replacement benefits Death or Funeral benefits Attendant Care benefits Any of the above Which of the following is not classified as catastrophic impairment? a b. ce 4. Total and permanent loss of use of one arm or one leg Total loss of vision in one eye Total and permanent loss of use of both arms Total loss of vision in both eyes Earthquake coverage is not covered under a. b, ©. 4 Alllperits coverage Comprehensive coverage Specified perils Collision or upset coverage Which of the following is not covered under Specified Perils coverage? a. b c 4. ‘Vandalism Fire Lightning The sinking of a vessel on which your car is being carried on ‘The Uninsured Motorist coverage perp ‘Allows an Insured to recover up to the limit of his own policy 1s part of every Canadian owners automobile policy ‘Applies to property damage caused by unidentified and uninsured motorist Applies a deductible for injury losses Terms in an automobile policy that specifically define the obligations and responsibilities of both the Insured and Insurer in Ontario are General Provisions General Conditions Conditions Statutory Conditions December 2002 ‘Genera Leasing reparation Package — OTL Precce ams, wate73. 74, 75, 76. 77. 78. The minimum Third Party Liability coverage limits are $200,000 in every province and territory except Ontario Alberta British Columbia Quebec poop When a loss occurs ‘a. Only the Insured can legally give notice b. The agent of the Insured must give notice &. Any parson to whom any part of the insurance money is payable may give notice d. The Insurance agent and the agent of the Insured are the same ‘The Facility Association is ‘a. The provincial government insurance office charged with the responsibility of accepting applications from all automobile owners who cannot get insurance anywhere else b. Areinsurance device for accommodating automobile policyholders who wish to have particularly high limits of insurance c. [Link] of insurance carriers that write the insurance risks on automobiles owned by a particular company d. An insurance pool subscribed to by all automobile insurance carriers that share the ‘writing of risks not ordinarily written in the regular or normal market ‘The concept of Priority of Payment applies when The damaged vehicle has been struck by someone who is uninsured There is insufficient money to satisfy both Bodily Injury and Property Damage claims ‘There is a choice between claiming for Accident Benefits or launching a lawsuit ‘There is a disagreement who is at fault in the accident aere When a car knocks down a pedestrian The car driver is presumed to be at fault The pedestrian is presumed to be at fault Neither are presumed to be at fault None of the above are correct apse Which of the following could result in an Absolute Liability Law situation? John Doe forgot to renew his driver's license John Doe refused to take the breathalyzer test John Doe was charged with impaired driving but the case was dismissed in court John Doe was charged with impaired driving and convicted in court aeoe December 2002 “Gere Licensing Presarion Package — OTL Prostos rae wine79. 80. at. 82. 83, Which of the following is not true? a. Under Automobile Third Party Liability, the Insured can choose his own lawyer b. Third Party Liability coverage will pay for emergency medical expenses even if the Insured is not legally liable c. Insured agrees to repay the Insurer for any sums paid out when the Insurer has to pay by reason of-law, even though the Insured has violated a condition of the policy d. There are situations where the policy may pay over and above the policy limits on Auto Third Party Liability coverage With regards to the Threshold under Bill 198, which statement is correct? ‘The injury does not have to be a serious permanent injury Does not allow for mental injury A $30,000 deductible applies to lawsuits for pain and suffering ‘Was introduced in June 1995 pege In Ontario, automobile insurance is a. _ Regulated by the Financial Services Commission of Ontario b. Regulated by the Registered Insurance Brokers of Ontario c. Regulated by the Insurance Bureau of Canada d. None of the above are correct ‘You live alone and do not own a vehicle. You are hit while walking along the side of the road by a hit & run diver - you are seriously injured. Which of the following is correct? a. You will be able to approach the Ontario Motor Vehicle Accident Claims Fund to pay for your injuries b. You will only be able to claim for Accident Benefits c. You will be unable to claim for either d. None of the above are correct Under Section 7, Loss or Damage coverage, which of the following is correct? If you are not at fault and your car is damaged, collision or upset will apply Specified Perils coverage only covers for Fire and Theft coverage There is no deductible that applies to Fire, Lightning or Theft of part of the vehicle ‘The theft of the car by someone living in the household Is covered under All Perils coverage aegp Which of the follo is not a legal entity or legal person? Mary Brown Mary Brown's Fried Chicken Mary Brown's Fried Chicken Inc. Mary Brown's Fried Chicken Lid eooD reader 2002 ‘Genre Licensing Pann Package — OTL Practoe ans wate85. 87. 88, 89. 90, 9 A contract is an agreement enforceable at law - which of the following is correct? a tention, utmost good faith b fention, consideration, capacity to contract, legality of purpose c. Agreement, consideration, capacity to contract, utmost good faith d. Agreement, capacity to contract, legality of purpose There are three insurance principles that help reinforce the principle of indemnity a, Salvage, subrogation and contribution b. ‘Subrogation, consideration and contribution c. Salvage, contribution and consideration d. Contribution, consideration and utmost good faith Which statement is not true? Misrepresentation will result in the cancellation of a policy Non-disclosure or concealment are forms of misrepresentation Ifa policy is voided, all premium must be refunded A spelling error on an application would not usually be construed as misrepresentation poop ‘An independent agent or broker must maintain a trust account a, From which all business expenses are paid b. From which net premiums are paid to insurers ©. _ Into which amounts are transferred to meet emergencies 4. Into which commission amounts are transferred ‘The loss of a right as a result of the non-performance of some obligation is called Forfeiture Waiver Non-waiver Estoppel aere Agents/brokers obtain their authority from a. Their clients b. The government c. The local brokers’ association d. Their agreements or contracts with the insurers they represent Rust is an example of which general category of exclusions usually found in Comprehensive Home policies? Wear and tear losses Generally not insurable Those that can be insured elsewhere Invisible terms aeop December 2002 CereralLicrngProarsin Package — OT. Practice ams wt92. 93. 95, 96. 97. 98, Which of the following statements Is false? ‘Amorigage clause is an agreement between the Insured and the mortgagee ‘An Insurer could be liable to a mortgagee and at the same time not to the Insured The mortgage clause imposes certain obligations on the mortgagee ‘The mortgage clause imposes certain obligations on the Insurer Which of the following is true with respect to a deductible? ‘The deductible comes off the amount of insurance, not the amount of the loss If more than one item is involved in a loss, the deductible applies to each item separately Only one deductible applies in any one occurrence Ifa limit applies to an item, the deductible comes off the limit op > ao cover note Is an oral binder ‘Advises Insurer that it has been bound to a contract of insurance Must be sent to an Insured within 15 days of binding a risk Is an unnecessary frill when coverage is bound asop Which of the following items could not be scheduled on a Personal Articles endorsement? a. Pearl necklace b. Camcorder Fur coat 4. Antique motorcycle Which of the following would not have an influence on the cost of personal liability coverage on the Homeowner's policy? The number of Insured’s children under 18 in the household Any commercial operations on the premises A fenced swimming pool Saddle horses on the property poop Which of the following perils is covered under a basic Glass policy? Riot Fire War Nuclear damage pers Ifthe Insured drove his auto into his own garage door, what would be included under Section 7 Loss or Damage coverage? The auto ‘The garage door Both the auto and garage door Neither the auto or garage door segn December 2002 canal ersing Preparer Package — OTL Practon ams wae99. Under Automatic Loss of Use coverage - Section 7 Loss or Damage coverage, which of the following statements is correct? Reimbursement begins 24 hours after theft has been reported to the police Reimbursement begins 72 hours after theft has been reported to the Insured Reimbursement begins 72 hours after theft has been reported to the Insurer or police Maximum reimbursement time is 30 days, up to $800 limit pore 100. Insurance does not apply to a loss that a. Is fortuitous b. Is caused with intent c. May happen in the future d. Is accidental December 2002 ‘Genera Licensing Prepareton Package — OTL Pacoe Exams a tt0 6OTL Practice Exams—Answers. 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[car (sun 20 348 cat « 7 8.0 cma ‘ 0 SA a 7 0 STA Caz 8 15. 2.4 Ait 4 3 38. Aino 4 % 100.8 car 1 5