The Institutes CPCU-500 問題集

質問 1：
Omicron Technologies Inc. designs robotic assembly systems for use in manufacturing operations. It decides to acquire a controlling interest in two other local companies. One of the companies is a toy manufacturer, and the other is a small chain of hardware stores. Which one of the following corporate strategies is Omicron pursuing?
A. Vertical integration
B. Related diversification
C. Unrelated diversification
D. Turnaround strategy
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 2：
Blithe Insurance is a large commercial lines insurer that has been in business for over thirty years. Blithe's corporate goals are simply stated and have remained fairly constant over the years:
Maintain a superior financial rating
Respond to customer needs
Operate with a high degree of integrity
Blithe's senior management team develops business strategies on an annual basis to direct the organization toward meeting these goals. Which one of the following strategies would help the organization accomplish its goal of maintaining a superior financial rating?
A. Achieve an all lines combined ratio of 95% or less
B. Acknowledge every claim within twenty-four hours of receiving notification
C. Conduct internal market audits twice a year
D. Achieve an "exceeded expectations" rating on at least 90% of customer service surveys
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 3：
Ann's Cards and Gift Shop was insured for $30,000 under a Business Income and Extra Expense Coverage Form with a 70 percent coinsurance clause. Ann estimated her net income and all operating expenses to be
$50,000 for the coming year. A fire at the shop caused damage that took one month to repair. During that month, Ann lost $2,000 in net income and continuing expenses and incurred $800 to rent space for temporary operations. How much did Ann's insurer pay for the loss under her Business Income and Extra Expense Coverage Form?
A. $2,800
B. $800
C. $1,400
D. $2,400
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 4：
Best Builders is considering acquiring another contractor in order to expand its operations into another state.
The uncertainties involved with this decision should be analyzed under which one of the following quadrants of risk?
A. Hazard risk
B. Operational risk
C. Financial risk
D. Strategic risk
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 5：
No-Flame Company installs fire suppressant systems in newly constructed buildings. No-Flame has an occurrence version of the Commercial General Liability Coverage Form. The first day the owners occupied a new building, the fire suppressant system installed by No-Flame malfunctioned. The building owner sustained personal property damage, and the chemicals released by the system caused minor injuries to three of the building owner's employees. No-Flame publicly accused the building owner of setting the suppressant system off in order to collect the insurance proceeds, although No-Flame knew that its systems had defects. The owner sued No-Flame for damages. Which one of the following statements best describes how No-Flame's CGL insurer will respond to the lawsuit?
A. The insurer will cite the exclusion under Coverage A Bodily Injury and Property Damage Liability that is titled Expected or Intended Injury.
B. The insurer will deny the entire lawsuit because the allegations involve both bodily injury and personal and advertising injury.
C. The insurer will cite the exclusion under Coverage B Personal and Advertising Injury Liability related to injury arising out of oral or written publication of material done by the insured with knowledge of its falsity.
D. The insurer will cite the exclusion under Coverage A Bodily Injury and Property Damage Liability that is titled Damage to Impaired Property or Property Not Physically Injured.
正解：C

質問 6：
Which one of the following quadrants of risk deals with uncertainties associated with the organization's procedures, systems, and policies?
A. Hazard risk
B. Operational risk
C. Financial risk
D. Strategic risk
正解：B
解説: (Topexam メンバーにのみ表示されます)