A. Extra Expense B. Earnings Form C. Profits Form D. Equipment Breakdown
3. 一家制造工厂停工后，没有持续经营费用，只希望获得毛利润损失的补偿。应选择哪种保障？
A. Earnings Form B. Commercial Property C. Profits Form D. Extra Expense
4. 下列哪项最符合 Extra Expense 的定义？
A. 因停业而损失的净利润 B. 为维持营业而发生的额外费用 C. 建筑物维修费用 D. 产品责任索赔
5. Earnings Form 与 Profits Form 最主要的区别是什么？
A. Earnings Form 包括 Net Profit + Continuing Expenses；Profits Form 主要关注 Gross Profit。 B. Earnings Form 只赔建筑；Profits Form 只赔库存。 C. Earnings Form 属于 CGL；Profits Form 属于 Commercial Property。 D. 两者保障内容完全相同。
The purpose of Extra Expense coverage is to pay the additional costs incurred to continue operating the business or to reduce the period of interruption.
1. A customer slips on a wet floor in a retail store and fractures an arm. Which section of the CGL policy is most likely to respond?
A. Coverage A – Bodily Injury and Property Damage B. Coverage B – Personal and Advertising Injury C. Coverage C – Medical Payments only D. Equipment Breakdown
2. A contractor finishes installing a water pipe. Two months later, it bursts and damages the client’s property. This loss falls under:
A. Products Liability B. Completed Operations C. Operations Liability D. Property Insurance
3. A business sells a defective toaster. The toaster catches fire and damages the customer’s kitchen. What does the CGL typically cover?
A. Replacement of the toaster only B. Damage to the kitchen only C. Both the toaster and the kitchen D. Neither the toaster nor the kitchen
4. Which Commercial Property coverage reimburses the extra costs incurred to keep a business operating after an insured loss?
A. Profits Form B. Earnings Form C. Extra Expense Coverage D. Equipment Breakdown
5. Under a Commercial Property policy with an 80% co-insurance clause, what is the main consequence of carrying insufficient insurance?
A. The claim is automatically denied. B. The deductible is waived. C. The insured may receive only a proportional payment. D. The insurer pays the full loss up to the policy limit.
6. Which type of property is classified as Stock?
A. Office desks used by employees B. Computers used for administration C. Finished goods held for sale D. A forklift used in the warehouse
7. Which CGL coverage may pay medical expenses even if the insured is not legally liable?
A. Coverage A B. Coverage B C. Coverage C D. Products Liability
8. Which of the following is generally excluded under a standard CGL policy?
A. Bodily injury to a customer caused by negligence B. Property damage caused by a defective product after sale C. Damage to the insured’s own defective product D. Medical payments for a customer injured on the premises
9. A repair shop has a customer’s vehicle in its possession for servicing. The vehicle is damaged while in the shop’s care. Which statement is MOST accurate?
A. The standard CGL automatically covers the loss. B. The loss is commonly excluded under the Care, Custody or Control exclusion. C. Coverage applies under Medical Payments. D. The Commercial Property policy automatically pays for the customer’s vehicle.
10. Which statement best describes Replacement Cost coverage?
A. It pays the replacement cost less depreciation. B. It pays the market value of the property. C. It pays the cost to replace damaged property with new property of like kind and quality, without deduction for depreciation (subject to policy conditions). D. It always pays the original purchase price.
Named Perils = Only what is listed. Comprehensive = Everything except what is excluded.
1. Named Perils（指定风险）
只有保单**明确列出的风险（Perils）**才赔。
例如保单列出：
Fire
Lightning
Windstorm
Hail
Explosion
Smoke
Theft
如果发生 Fire：
✅ Covered
如果发生 Flood，但 Flood 没列：
❌ Not Covered
RIBO 思维
Is the peril named?
是 → Covered
不是 → No Coverage
2. Comprehensive（All Risks）
Comprehensive 的思维完全相反：
默认都赔，除非保单明确排除（Excluded）。
例如：
狗撞坏玻璃（不是故意）
虽然不是 Named Peril，
但如果没有 Exclusion，
✅ Covered。
所以考试常说：
Covered unless excluded.
3. RIBO 最喜欢考的区别
假设：
孩子踢足球把窗户踢碎。
在 Named Perils 下：
窗户被足球踢坏 不是 Named Peril
→ ❌ 不赔
在 Comprehensive 下：
不是 Exclusion
→ ✅ 赔
4. Dwelling 与 Personal Property 的保障形式（★★★★★）
很多考生会混淆。
在标准 Homeowners Broad Form 中：
Dwelling（Coverage A）：Comprehensive（All Risks）
Personal Property（Coverage C）：Named Perils
所以：
房子保障较广，
个人财产保障较窄。
考试陷阱
Homeowners Broad Form
Coverage A
↓
All Risks
Coverage C
↓
Named Perils
一定要记住。
5. Comprehensive 也有 Exclusions
不是所有东西都赔。
常见 Exclusions：
Wear and tear（自然磨损）
Rust（生锈）
Vermin（害虫）
Flood（通常不保）
Earthquake（通常不保，需要附加保障）
Intentional damage（故意损坏）
所以：
All Risks ≠ All Losses
RIBO 高频口诀
Named Perils
If it isn’t listed, it isn’t covered.
Comprehensive
If it isn’t excluded, it is covered.
高频陷阱
陷阱 1
Named Perils
↓
Fire
✅
Water escape（如果没列）
❌
陷阱 2
Comprehensive
↓
Unknown accidental damage
通常
✅
陷阱 3
Wear and Tear
即使 Comprehensive
仍然
❌
因为属于 Exclusion。
RIBO 真题风格练习（5题）
1. Under a Named Perils policy, which statement is correct?
A. All accidental losses are covered.
B. Only losses caused by listed perils are covered.
C. Everything is covered unless excluded.
D. Flood is always covered.
2. Which statement BEST describes Comprehensive coverage?
A. Only fire losses are covered.
B. Only named perils are covered.
C. All losses are covered, even if excluded.
D. Losses are covered unless specifically excluded.
3. A homeowner with Comprehensive coverage discovers damage caused by gradual wear and tear. Is it covered?
A. Yes, because Comprehensive covers all losses.
B. No, because wear and tear is normally excluded.
C. Yes, if the damage exceeds the deductible.
D. Only if caused by a fire.
4. Under a Broad Form homeowners policy, Coverage C (Personal Property) is generally insured on what basis?
A. Comprehensive
B. Replacement Cost only
C. Named Perils
D. Guaranteed Replacement Cost
5. A baseball accidentally breaks a window. The cause of loss is not listed in a Named Perils policy and is not excluded under a Comprehensive policy. Which statement is correct?
Named Perils for both the building and personal property.
Broad Form
Comprehensive for the building, Named Perils for personal property.
Comprehensive Form
Comprehensive for both the building and personal property.
🎯 这里有一个容易混淆的地方（RIBO 很喜欢考）
不要把 Basic Form 和 Named Perils Form 当成两个不同的保单。
在 RIBO 的语境里，Basic Form 的特点就是采用 Named Perils 保障。考试通常不会要求你背所有受保风险，而更常考的是：
哪一种 Homeowners Form 提供 Named Perils？
哪一种提供 Comprehensive？
哪一种保障范围最广？
掌握这三种 Form 的区别，比死记所有风险名称更重要。
这是 RIBO Homeowners Insurance 最重要的一章，几乎每次考试都会涉及 Basic、Broad、Comprehensive 三种 Form 的区别。
Broad Form（最常见的 Homeowners 保单）
Broad Form 可以理解成：
房屋保障升级了，但个人财产没有升级。
它最大的特点只有一句话：
Coverage
保障方式
Coverage A（Dwelling）
✅ Comprehensive (All Risks)
Coverage B（Detached Structures）
✅ Comprehensive (All Risks，通常跟随 Dwelling)
Coverage C（Personal Property）
✅ Named Perils
Coverage D（Additional Living Expenses）
如果因受保风险导致无法居住，则赔偿额外生活费用。
考试口诀：
Broad = House Comprehensive + Contents Named Perils
Broad Form 比 Basic Form 多了什么？
假设发生一个意外但不是 Named Peril。
例如：
孩子在家踢球，把窗户踢碎。
Basic Form
房屋（Coverage A）是 Named Perils。
足球不是 Named Peril。
❌ 不赔。
Broad Form
房屋（Coverage A）是 Comprehensive。
足球不是 Exclusion。
✅ 赔。
但是 Personal Property 仍然没有升级
例如：
你把自己的笔记本电脑摔到地上。
这是：
Coverage C（Personal Property）
Broad Form 下：
Coverage C = Named Perils。
“Accidentally dropped” 不是 Named Peril。
❌ 不赔。
这是 RIBO 最爱考的陷阱。
Broad Form 仍然不保什么？
即使是 Comprehensive，也不是“什么都赔”。
常见 Exclusions：
❌ Flood（洪水）
❌ Earthquake（地震，通常需附加保障）
❌ Sewer Backup（通常需附加保障）
❌ Wear and Tear（自然磨损）
❌ Rust（生锈）
❌ Rot（腐烂）
❌ Vermin（虫害、鼠害）
❌ Intentional Damage（故意损坏）
记住：
Comprehensive = Covered unless excluded.
不是：
Everything is covered.
Basic vs Broad（RIBO 最爱比较）
项目
Basic Form
Broad Form
Coverage A
Named Perils
✅ Comprehensive
Coverage B
Named Perils
✅ Comprehensive（通常跟随 A）
Coverage C
Named Perils
Named Perils
Coverage D
ALE
ALE
房屋保障
基础
更广
个人财产
基础
与 Basic 相同
RIBO 高频题
题目 1
树枝掉下来砸坏屋顶。
Broad Form 下：
Coverage A
↓
Comprehensive
↓
不是 Exclusion
✅ Covered
题目 2
手机从口袋滑落摔坏。
Broad Form 下：
Coverage C
↓
Named Perils
↓
不是 Named Peril
❌ Not Covered
题目 3（经典）
A homeowner has a Broad Form policy. A heavy object accidentally falls and damages the roof. The cause of loss is not a named peril and is not excluded.
赔吗？
✅ Yes
因为：
Coverage A = Comprehensive
⭐ RIBO 必背三句话
Basic Form
Building = Named Perils Contents = Named Perils
Broad Form
Building = Comprehensive Contents = Named Perils
Comprehensive Form
Building = Comprehensive Contents = Comprehensive
🎯 我建议你这样记忆（考试最快）
Basic A = NP C = NP
Broad A = Comp C = NP
Comprehensive A = Comp C = Comp
Comprehensive Form（All Risks Form）
Comprehensive Form 是 Homeowners Insurance 中保障范围最广的标准保单。
它的核心只有一句话：
Building（房屋）和 Personal Property（个人财产）都采用 Comprehensive（All Risks）保障。
Coverage 方式
Coverage
保障方式
Coverage A（Dwelling）
✅ Comprehensive
Coverage B（Detached Structures）
✅ Comprehensive（通常跟随 A）
Coverage C（Personal Property）
✅ Comprehensive
Coverage D（Additional Living Expenses）
因受保风险导致房屋不能居住时提供保障
与 Broad Form 的区别（★★★★★）
这是 RIBO 最喜欢考的地方。
Form
Coverage A
Coverage C
Basic
Named Perils
Named Perils
Broad
Comprehensive
Named Perils
Comprehensive
Comprehensive
Comprehensive
唯一的区别：
Broad Form：
Personal Property = Named Perils
Comprehensive Form：
Personal Property = Comprehensive
举例说明
例子 1：手机掉地上摔坏
手机属于：
Coverage C（Personal Property）
Basic Form
Named Perils
↓
不是 Named Peril
❌ 不赔
Broad Form
还是 Named Perils
↓
❌ 不赔
Comprehensive Form
Coverage C = Comprehensive
↓
不是 Exclusion
↓
✅ Covered（前提是没有其他适用的除外责任或限制）
例子 2：电视搬家时撞坏
电视属于：
Coverage C
Basic
↓
❌
Broad
↓
❌
Comprehensive
↓
✅
例子 3：屋顶被树砸坏
属于：
Coverage A
Basic
↓
要看树倒下的原因是否属于 Named Peril。
Broad
↓
✅
Comprehensive
↓
✅
注意！
很多同学误以为：
Comprehensive = 什么都赔
这是错误的。
Comprehensive 的真正意思是：
Covered unless excluded.
常见 Exclusions
即使是 Comprehensive Form，
通常也不会赔：
❌ Wear and Tear（自然磨损）
❌ Rust（生锈）
❌ Rot（腐烂）
❌ Vermin（鼠害、虫害）
❌ Intentional Damage（故意损坏）
❌ Flood（洪水，通常需附加保障）
❌ Earthquake（地震，通常需附加保障）
RIBO 高频陷阱
题目
A homeowner accidentally drops a laptop while cleaning the house.
Which Homeowners Form is MOST likely to provide coverage?
A. Basic
B. Broad
C. Comprehensive
D. Tenant’s Form
答案：
✅ C
因为：
Laptop
↓
Coverage C
↓
只有 Comprehensive Form
Coverage C 是 Comprehensive。
三种 Form 一张图
Coverage
Basic
Broad
Comprehensive
A（House）
NP
Comp
Comp
B（Detached Structures）
NP
Comp
Comp
C（Contents）
NP
NP
Comp
D（ALE）
✔
✔
✔
RIBO 30 秒记忆法（★★★★★）
Basic House = NP Contents = NP
Broad House = Comp Contents = NP
Comprehensive House = Comp Contents = Comp
🎯 RIBO 真题风格陷阱（试试看）
1. Which homeowners form provides Comprehensive coverage for both the dwelling and personal property?
A. Basic Form
B. Broad Form
C. Comprehensive Form
D. Tenant’s Form
2. Under a Broad Form policy, an insured accidentally drops a camera. The camera is damaged. Is it covered?
A. Yes
B. No
3. Under a Comprehensive Form policy, an insured accidentally drops the same camera. Is it covered?
A. Yes
B. No
4. Which homeowners form provides the widest protection?
A. Basic
B. Broad
C. Comprehensive
D. Named Perils
5.（RIBO 高频）
Which statement is TRUE?
A. Comprehensive Form covers every type of loss without exception.
B. Broad Form provides Comprehensive coverage for both the dwelling and personal property.
C. Comprehensive Form generally provides Comprehensive coverage for both the dwelling and personal property, subject to policy exclusions.
D. Basic Form provides Comprehensive coverage for the dwelling only.
