保险与留置权第 1548 / 1632 题
'Inland marine' insurance for a contractor most commonly covers:
a.The finished building against fire once the owner takes occupancy
b.Injury to employees using the contractor's tools on the jobsite
c.Bodily injury to members of the public visiting the jobsite
d.Tools, equipment, and materials in transit or at the jobsite
解析
Contractor's inland marine — the equipment floater and installation floater — covers movable property while it travels and while it sits at a jobsite, which ordinary fixed-location property policies will not follow. (a) is the owner's permanent property insurance, which takes over where builder's risk ends. (b) is workers' compensation; the tools are incidental to who was hurt. (c) is commercial general liability. The common thread among the wrong answers is that each is a real policy a contractor carries, which is what makes placing the loss the skill being tested.
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审核人 Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — 核实)