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RIBO-Level-1 RIBO Level 1 Entry-Level Broker Exam is now Stable and With Pass Result | Test Your Knowledge for Free

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RIBO-Level-1 Practice Questions

RIBO Level 1 Entry-Level Broker Exam

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Total Questions : 214

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Question # 31

Chan, a Broker, is preparing to do a review of homeowners quotes with his client. What are the MOST important details Chan should be discussing with his client?

Options:

A.  

Limits on the building and contents, excluding outbuildings.

B.  

Limitations, exclusions and conditions.

C.  

Premium, policy discounts, and deductible options.

D.  

Coverage for liability and voluntary medical payments.

Discussion 0
Question # 32

A condo owner failed to advise that they now rent out their unit and the tenant has caused a fire. What is most likely to happen?

Options:

A.  

The claim would be covered as fire is an insured peril.

B.  

The claim would be partially covered, owners property only.

C.  

The claim would be denied due to a material change.

D.  

The claim would be covered, settled on actual cash value rather than replacement cost.

Discussion 0
Question # 33

An insured has incurred $24,000 in claims and has $40,000 in earned premiums. What is the insured’s loss ratio?

Options:

A.  

0.06%

B.  

0.60%

C.  

1.20%

D.  

6%

Discussion 0
Question # 34

Newly acquired automobiles are automatically covered under an O.

A.  

P. 1 Owner’s Policy provided the insurer is notified:

Options:

A.  

as soon as practicable.

B.  

within 7 days.

C.  

within 14 days.

D.  

within 21 days.

Discussion 0
Question # 35

What should a Commercial Vehicle Operator’s Registration (CVOR. include?

Options:

A.  

Description of the nature of the applicant’s business and the experience for all drivers on like vehicles.

B.  

The number of unlisted drivers in the business and who will be operating which vehicle.

C.  

The amount of money the applicant makes in their business and the amount they write off on their taxes.

D.  

The purchase price of each vehicle including taxes and where these vehicles will be parked.

Discussion 0
Question # 36

When determining the actual cash value of a building, which factors is NOT taken into consideration?

Options:

A.  

The resale value of the building.

B.  

The ownership of the building.

C.  

The normal life expectancy of the building.

D.  

The condition of the building immediately before the damage occurred.

Discussion 0
Question # 37

John, a newly licensed broker, learns about cybersecurity insurance from a friend but feels unsure about some aspects. With clients seeking advice, what steps should he take to improve his knowledge and assist them better?

Options:

A.  

Enroll in a specialized online course focused on cybersecurity insurance.

B.  

Wait until he encounters a specific client query before seeking more knowledge.

C.  

Assume that his current level of understanding will suffice for client interactions.

D.  

Forward any client inquiries about cybersecurity insurance to a more experienced broker.

Discussion 0
Question # 38

While a dentist is working on a patient, there is a power outage resulting in damages to the dental chair and x-ray machine. Under which coverage of the commercial policy can the business claim the damages?

Options:

A.  

General Liability.

B.  

Professional Liability.

C.  

Stock Coverage.

D.  

Equipment Coverage.

Discussion 0
Question # 39

When is a Vacancy Permit required in order to continue fire insurance on a property?

Options:

A.  

When the occupant has left on a six-month vacation and no one has moved in to take care of the property.

B.  

When the occupants have moved out and do not intend to return.

C.  

When the insured has moved out with one half of the contents and left his wife with only half of the house furnished.

D.  

When the occupant has been transferred to another location and resides in the premises only on weekends.

Discussion 0
Question # 40

What is the minimum Third Party Liability limit that every motorist must carry by law in the province of Ontario?

Options:

A.  

$50,000.

B.  

$200,000.

C.  

$500,000.

D.  

$1,000,000.

Discussion 0
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