Fundamentos de Seguro de PropiedadPregunta 271 de 531
A commercial property policy written on a special, open-perils causes-of-loss form covers a physical loss unless:
a.The insurer shows an exclusion applies
b.The peril is missing from a listed schedule
c.The loss happened away from the premises
d.The insured cannot name the peril involved
Explicación
An open-perils form insures risk of direct physical loss except as excluded or limited, so once the insured shows a fortuitous physical loss, the insurer carries the burden of proving that an exclusion removes it. A named-perils form reverses that arrangement: nothing is covered until the insured shows the cause of loss appears on the policy's list. Requiring the insured to name the peril applies the named-perils rule to the wrong form.
Practica las 531 preguntas gratis — sin registro.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Preguntas relacionadas de este tema
- An apartment building worth $800,000 is insured for $480,000 with an 80 percent coinsurance clause and a $5,000 deductible. A covered fire causes an $80,000 loss. How much does the insurer pay?
- A commercial building is insured for $600,000 under a policy with a 5 percent deductible that applies to the amount of insurance. A covered loss of $125,000 occurs. The insurer pays:
- Compared with a flat dollar deductible, a percentage deductible on a commercial property policy:
- A restaurant's kitchen burns and the owner also loses six weeks of profit while it is rebuilt. The lost profit is an example of:
- Lightning strikes a building, the fire it starts is put out with water, and the water ruins stock in the basement. Under proximate cause reasoning, the water damage is:
- Two policies with no special other-insurance wording cover the same building, one for $300,000 and one for $200,000. A covered $80,000 loss occurs. On a pro rata basis, the $200,000 policy pays:
Última revisión: · proceso editorial
Equipo de PrepPass · Verificado con California Property & Casualty Insurance License Exam · Cómo revisamos