保险与留置权第 1573 / 1632 题
The most accurate reason insurance and surety bonds are BOTH used on construction projects is that they:
a.Are both two-party transfers, so carrying both doubles available limits
b.Both let the provider absorb the loss without seeking reimbursement
c.Both protect the contractor against claims made by the project owner
d.Address different risks: insurance covers loss, bonds guarantee duties
解析
Insurance transfers the insured's own fortuitous losses to an insurer that does not expect repayment; a bond is a three-party guarantee running to an obligee, and the surety expects the principal to reimburse what it pays. Projects carry both because the risks do not overlap. (a) and (b) each describe insurance and then attach the label to both instruments. (c) mistakes who a bond protects — the owner is typically the obligee the bond runs to, so the bond protects the owner from the contractor, not the reverse.
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审核人 Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — 核实)