意外责任险第 437 / 531 题
A manufacturer's general aggregate is fully exhausted in July by premises claims. In September a customer is injured by a defective product the manufacturer sold. The policy:
a.pays half the loss and prorates the remainder
b.denies the claim, as the aggregate is exhausted
c.reinstates the general aggregate for the claim
d.pays from the products–completed operations limit
解析
A general liability policy carries two annual caps: the general aggregate for premises and operations and most other losses, and a separate products–completed operations aggregate for injury or damage arising out of the insured's products and completed work. Exhausting one leaves the other untouched, so the September product claim is paid from its own aggregate, subject to the each-occurrence limit. Aggregates do not reinstate mid-term, and the form contains no proration of the kind described.
免费刷完整 531 道题库 — 无需注册。
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
同考点相关题目
- A visitor trips on a showroom step and runs up $3,000 in emergency-room bills, but the retailer is plainly not at fault. Coverage C of the retailer's general liability policy:
- A roofing contractor finishes a job, leaves the site, and two months later the roof leaks and ruins $40,000 of the owner's ceilings. This claim falls within:
- A general liability policy carries a $1,000,000 each-occurrence limit and a $2,000,000 general aggregate. The insurer pays $600,000, $500,000 and $400,000 on three separate premises claims in one policy year. How much general aggregate is left?
- A tenant business rents a storefront, negligently starts a fire, and causes $250,000 of damage to the leased building. Its liability policy shows a $300,000 damage to premises rented to you limit. The insurer:
- A liability insurer settles a suit for the full $1,000,000 each-occurrence limit and has already spent $180,000 defending it. On a standard general liability policy the insurer's total outlay is:
- An insured must post a $500 bail bond after a covered accident and loses three days of work attending the trial at the insurer's request. Under the standard general liability supplementary payments, the insurer pays:
最近核对： · 审核流程
PrepPass 团队 · 依据官方资料核对 California Property & Casualty Insurance License Exam · 我们如何核对