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04Ontario's auto system and the OAP 1 45 min readRead
20-question taster
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QUESTION 1 OF 20
After paying a client's fire claim, the insurer sues the contractor whose welding torch started the fire. This is an example of:
QUESTION 2 OF 20
Which statement BEST describes IBC?
QUESTION 3 OF 20
Which statement BEST describes the Facility Association?
QUESTION 4 OF 20
The Insurance Bureau of Canada (IBC) is:
QUESTION 5 OF 20
Which organization protects P&C policyholders when a member insurer becomes insolvent?
QUESTION 6 OF 20
Farah owns a house insured under a Broad homeowners form. Mould grows behind the shower from years of humidity. The damaged item is part of the house itself (building). Which statement is MOST accurate?
QUESTION 7 OF 20
Which statement about overland water coverage is CORRECT?
QUESTION 8 OF 20
Lina owns a house insured under a Standard homeowners form. A dropped cast-iron pan cracks the ceramic kitchen floor tiles. The damaged item is part of the house itself (building). Which statement is MOST accurate?
QUESTION 9 OF 20
Chen owns a house insured under a Standard homeowners form. Paint spills from a tipped can and ruins the wall-to-wall carpet. The damaged item is part of the house itself (building). Which statement is MOST accurate?
QUESTION 10 OF 20
A client asks whether her homeowners policy covers her home-based bakery's stand mixers and inventory. What is the BEST answer?
QUESTION 11 OF 20
The insured's car and contents are both damaged in a not-at-fault accident. How is the DCPD deductible applied?
QUESTION 12 OF 20
How is the DCPD deductible applied under OAP 1?
QUESTION 13 OF 20
The named insured (an individual) drives a company car her employer gave her for regular use. Does her OAP 1 extend coverage to that vehicle under Section 2?
QUESTION 14 OF 20
A person leasing a car under a written agreement fails to return it and sells it. Is the owner's theft coverage available?
QUESTION 15 OF 20
A school board's contractor operates yellow school buses. Which endorsement applies?
QUESTION 16 OF 20
Which coverage is MOST appropriate for a lawsuit against a non-profit's board for misusing donated funds?
QUESTION 17 OF 20
A CGL claim is denied when an engineering firm's design calculation error causes a client's financial loss. Which BEST explains the denial and where coverage should come from?
QUESTION 18 OF 20
Which statement about surety bonds is TRUE?
QUESTION 19 OF 20
A contractor's truck hits a pedestrian while driving between job sites. Which policy responds?
QUESTION 20 OF 20
A client cancels a trip before departure because his mother became seriously ill. Which coverage applies?
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