很好，我们来做一套 RIBO Level 1 Commercial Insurance 综合陷阱题（40题）。
范围覆盖：
- Commercial Property
- CGL
- Business Interruption
- Crime
- Boiler & Machinery (Equipment Breakdown)
- Inland Marine / Floater
- Builders Risk
- Bailee
- Professional Liability
- D&O / EPLI
- Cyber
- Environmental Liability
- Umbrella / Excess
- Claims-made
- Coinsurance
- Valuation
- Subrogation
- Commercial Auto（少量）
全部按照 RIBO 真题风格。
不少题都是容易掉坑的。
Part 1（1-10）
1.
A restaurant purchases a Commercial Property policy.
Which property would MOST likely require a separate Floater?
A. Dining tables
B. Kitchen stove
C. Cash register
D. Catering equipment transported to customers
2.
A business carries replacement cost coverage.
After a fire, the insurer discovers the insured never replaced the destroyed building.
The insurer will MOST likely pay:
A. Replacement Cost
B. Actual Cash Value
C. Agreed Value
D. Market Value
很多教材会直接写：
Replacement Cost Policy = Replacement Cost
但是 RIBO 最喜欢考这里的细节。
真正理赔流程通常是：
- 火灾发生
- 如果没有重建
- 保险公司通常先支付 ACV（折旧后价值）
- 等真正重建完成，再补足 Replacement Cost 差额
所以考试最常见答案是：
B. Actual Cash Value
为什么这题我没有扣你分？
因为不同保单 wording 有些差异：
- 有些保单规定必须 rebuild 才有 RC
- 有些先赔 ACV，再补 RC
- 极少数 wording 可以直接赔 RC
所以如果是真正 RIBO，我会认为 B 是标准答案。
3.
Which loss is MOST likely covered under Equipment Breakdown insurance instead of a Commercial Property policy?
A. Fire
B. Explosion of a steam boiler caused by mechanical failure
C. Windstorm
D. Theft of machinery
4.
Business Interruption insurance is designed to cover:
A. Damage to buildings
B. Lost income following insured property damage
C. Liability lawsuits
D. Employee injuries
5.
A business shuts down because a nearby bridge collapses, preventing customers from reaching the premises.
There is no damage to the insured building.
Under a standard Business Interruption policy:
A. Covered
B. Covered if bridge repairs exceed 30 days
C. Usually not covered
D. Covered only with replacement cost
6.
Which of the following is considered a Crime Insurance exposure?
A. Fire
B. Employee theft
C. Windstorm
D. Flood
7.
A dishonest employee steals $200,000 from the company.
The insurer pays the claim.
What usually happens next?
A. Nothing.
B. The insurer may pursue recovery against the employee.
C. The employee automatically goes to jail.
D. The insured must repay the insurer.
8.
Which statement about Commercial General Liability is TRUE?
A. It covers faulty workmanship itself.
B. It covers bodily injury caused to others.
C. It guarantees product quality.
D. It replaces Workers Compensation.
9.
A contractor installs defective flooring.
Only the flooring itself must be replaced.
Which policy normally responds?
A. CGL
B. Builder’s Risk
C. Usually none
D. Crime
10.
A contractor’s faulty work later causes water damage to the customer’s building.
Which statement is MOST accurate?
A. Damage to the contractor’s own work is covered.
B. Resulting property damage may be covered.
C. Faulty workmanship is always covered.
D. No commercial policy could ever respond.
Part 2（11-20）
11.
Which policy is MOST appropriate for an accountant who gives incorrect tax advice?
A. CGL
B. E&O
C. Crime
D. Builder’s Risk
12.
Directors & Officers insurance mainly protects against:
A. Auto accidents
B. Management decisions leading to lawsuits
C. Employee injuries
D. Fire losses
13.
Employment Practices Liability primarily covers:
A. Employee theft
B. Wrongful dismissal allegations
C. Equipment breakdown
D. Product recall
14.
Cyber Liability insurance is MOST likely to cover:
A. Fire damage
B. Data breach response costs
C. Earthquake
D. Boiler explosion
15.
Environmental Liability insurance primarily covers:
A. Employee injuries
B. Pollution-related claims
C. Theft
D. Windstorm
16.
Umbrella Liability insurance generally:
A. Replaces underlying policies
B. Provides additional liability limits
C. Covers property damage only
D. Covers employee dishonesty
17.
An Excess Liability policy differs from an Umbrella because it:
A. Always covers more perils
B. Normally follows the underlying policy terms
C. Covers crime automatically
D. Covers pollution automatically
18.
Claims-made policies generally require:
A. The claim be reported while the policy is active (or extended reporting applies)
B. The accident occur after policy expiry
C. The insured retire first
D. Annual inspections
19.
An architect is sued three years after completing a project.
Which insurance feature is MOST important?
A. Coinsurance
B. Claims-made reporting requirements
C. Replacement cost
D. Deductible waiver
20.
Which coverage responds if hackers steal customer credit card information?
A. Commercial Property
B. Crime
C. Cyber Liability
D. Builder’s Risk
Part 3（21-30）
21.
Builder’s Risk insurance primarily covers:
A. Completed homes after occupancy
B. Buildings under construction
C. Auto liability
D. Professional negligence
22.
A Bailee is:
A. The owner of goods.
B. A person temporarily responsible for another’s property.
C. A contractor.
D. A shareholder.
23.
Which valuation method accounts for depreciation?
A. Replacement Cost
B. Actual Cash Value
C. Agreed Value
D. Guaranteed Value
24.
Coinsurance encourages insureds to:
A. Purchase liability insurance
B. Insure property close to its required value
C. Avoid deductibles
D. Buy Umbrella insurance
25.
Subrogation allows an insurer to:
A. Cancel any policy.
B. Sue responsible third parties after paying a claim.
C. Increase deductibles.
D. Avoid paying claims.
26.
Which statement regarding Replacement Cost is TRUE?
A. It always pays regardless of rebuilding.
B. Rebuilding conditions often apply.
C. It includes depreciation.
D. It is only available for liability policies.
27.
A customer slips on a wet floor inside a store.
Which policy usually responds?
A. Commercial Property
B. CGL
C. Crime
D. Builder’s Risk
28.
A tenant accidentally causes a fire that damages the landlord’s building.
Which policy usually protects the tenant?
A. CGL
B. Crime
C. Equipment Breakdown
D. Marine Cargo
29.
Products Liability applies when:
A. Employees are injured at work.
B. A sold product causes injury after leaving the manufacturer.
C. Inventory is stolen.
D. Equipment breaks down.
30.
Completed Operations coverage mainly applies:
A. Before work begins
B. While construction is underway
C. After work has been completed
D. During transportation only
Part 4（31-40）
31.
Which policy best covers money stolen during transport to the bank?
A. Inland Marine / Crime
B. Commercial Property only
C. CGL
D. D&O
32.
Product Recall insurance primarily reimburses:
A. Bodily injury awards
B. Costs of recalling defective products
C. Fire damage
D. Employee theft
33.
Impaired Property usually involves:
A. Physical destruction.
B. Property that cannot be used because of the insured’s defective product.
C. Flood damage.
D. Theft.
34.
A business intentionally pollutes a river.
Environmental Liability insurance will MOST likely:
A. Fully cover the loss.
B. Never investigate.
C. Potentially deny coverage because intentional acts are generally excluded.
D. Automatically pay government fines.
35.
Which policy would MOST likely insure fine artwork displayed in an office?
A. Fine Arts Floater
B. CGL
C. EPLI
D. Boiler
36.
Which statement about CGL exclusions is TRUE?
A. Every business loss is covered.
B. Faulty workmanship itself is generally excluded.
C. Employee dishonesty is covered.
D. Pollution is always covered.
37.
An insured deliberately sets fire to their own warehouse.
Which principle applies?
A. Replacement Cost
B. Fortuity
C. Intentional acts are not insurable.
D. Coinsurance
38.
Which insurance is MOST appropriate for a trucking company transporting customers’ goods?
A. Accounts Receivable
B. Cargo Floater
C. EPLI
D. D&O
39.
Which policy is MOST concerned with protecting shareholders against management mistakes?
A. CGL
B. D&O
C. Crime
D. Builder’s Risk
40.
Which commercial policy is MOST likely written on a Claims-made basis?
A. Commercial Property
B. Commercial Auto
C. E&O Professional Liability
D. Builder’s Risk
📋 请直接回复答案即可，例如：
1D
2B
3B
4B
5C
……
40C
我会像真正的 RIBO 考官 一样，不仅告诉你对错，还会分析每一道题为什么容易掉进陷阱，并总结你最薄弱的商业保险知识点。
