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IIC Essential Skills for the Insurance Broker and Agent Sample Questions:

1. Michelle is a new agent who would like to protect herself against possible errors and omissions claims. What should Michelle practice in her interactions with clients and insurers?

A) Recommend that clients consult with experts outside the insurance field if a situation calls for it
B) Use close-ended questions with clients at all times
C) Offer advice to clients if she thinks it is beneficial, even if it is outside her area of expertise
D) Ensure all communication with clients and insurers is done face-to-face

2. Regarding the duty of disclosure, what is required to comply with the principle of utmost good faith?

A) Full disclosure of material information is required of the applicant.
B) The applicant has a duty to disclose all relevant and irrelevant facts.
C) The broker or agent determines whether the information is material to the risk and discloses information accordingly, on behalf of the insured.
D) The intermediary is required to withhold disclosure of pertinent information if the client asks the broker to do so.

3. An insurer issues a special clause on a property policy for a restaurant which denies coverage unless a sprinkler system is installed and active in the kitchen at the time of a fire loss. What type of clause has the insurer issued?

A) Condition
B) Requirement
C) Exclusion
D) Subscription

4. What is an agent's consideration when assessing a potential client and the client's attitude towards risk?

A) People have the same acceptance of risk.
B) Clients who lead riskier lives are good sources of profit for insurance brokers.
C) Availability of insurance coverage may be affected by the client's lifestyle.
D) People's habits are unrelated to their level of risk.

5. What is the role of insurance intermediaries under the law of agency?

A) Confirm with the insurers that all exposures are covered
B) Act as third parties in insurance contracts
C) Issue policies on any risk agents deem insurable
D) Balance dual responsibilities to the insurers and to the insureds

Solutions: