RIBO-Level-1 試験問題を無料オンラインアクセス

A homeowner decides to rent out their property as an Airbnb but does not inform their insurer. What could be the consequences of this material change?

• A.The premium will automatically increase to reflect the new use.
• B.The insurer may deny claims related to rental activities due to undisclosed risk.
• C.The policy will remain unchanged, as short-term rentals are automatically covered.
• D.The insurer will provide coverage but with a higher deductible for rental-related claims.

A broker is using a Customer Relationship Management (CRM. software to manage client interactions and sales activities. Recently, the software released an update introducing new features for easier task management and note organization. How can the broker prioritize requests and activities effectively using the updated CRM software?

• A.Utilize the automated reminders feature to schedule follow-ups.
• B.Print all digital notes to organize them physically on the broker's desk.
• C.Use the CRM to send automated, personalized emails at predetermined times.
• D.Only input client information and avoid using additional features like note organization.

A client is upset because their premium increased significantly even though they have had no claims. How should the Broker handle this situation to maintain the relationship?

• A.Advise the client to cancel their policy immediately to protest the increase.
• B.Tell the client that they have no control over rates and that the client should speak to the insurance company directly.
• C.Explain the market factors (e.g., "Hard Market," inflation in repair costs) and offer to conduct a "market search" to see if a more competitive rate is available.
• D.Offer a discount from the Broker's own commission to appease the client.

Whose responsibility is it to insure the condominium's building and its common elements?

• A.The municipality that the condo is located in.
• B.The developer.
• C.The condominium corporation.
• D.The individual unit owner.

Additional Living Expense under a Homeowners Comprehensive policy is payable when the premises become unfit for occupancy in what circumstance?

• A.The insured must live elsewhere while the home is sprayed for insects.
• B.A room is damaged by rain entering a window left open during a heavy rainstorm.
• C.The insured's home has suffered damage by an insured peril.
• D.The insured is having his home renovated.