GUIDE OF BALLOT B

Business Risks of Personal Insurance (RESP)

02/2014

BUSINESS RISKS LEGAL FRAMEWORK

1.- The uncertainty that an event may occur is known as:

• Sure
• Sinister
• Probability
• Risk

2.- In risk management, how is the risk of a person seeking objectives classified?
personal to the detriment of third parties?

• Moral
• Delinquent
• Physicist
• Objective

3.- What is understood by 'compensable proportion'?

• It is the proportion of the cost of repairing an insured item.

• It is the proportion that the insured amount holds to the value of the insured thing.
• It is the proportion that is secured at first risk of the business.
• It is the proportion affected of the value of an insured asset

4.- From the following list, identify which could be an action that prevents the insurer from exercising the
subrogation of rights within the operation of damages:

1. Deny the company the name of the cause.

2. No insurance policy
3. Being complicit in the sinister
4. That the perpetrator is a first-degree relative.

5.- ¿Qué debe hacer el asegurado que celebra un contrato de seguro con 2 o más compañías para un interés
insurable about the same risk?

• Notify the first insurance company with which I contracted the insurance
• Notify in writing each of the insurance companies involved.
• Keep the policies until you have a claim
• Pay the extra premium indicated by each insurer.

6.- Within the damage operation, when an insured party has been affected by a third party due to damages
covered by the policy, the company's right of subrogation means that:

• You can take actions or rights against the third party.

• It does not cover causes unrelated to the actions of the insurer.

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 • The claimant requires the insurer to compensate for the economic losses.
• He is relieved of his responsibility until he has won the lawsuit with which he will recover the amount.
to compensate

7.- In risk management, how are the risks caused by an individual's negligence classified?

• Fundamentals
• Individuals
• Objectives
• Malicious

8.- According to the classification by nature, what are the insurable risks?

• The cigars
• The Dangerous Ones
• The speculators
• The catastrophic ones

9.- When the insured asset is no longer exposed to the risk stipulated in the insurance contract, what happens?
with that contract?

• It will prescribe in 2 years

• It will be rehabilitated

• It is temporarily suspended
• It will be null

10.- It refers to the long-term relative frequency of an event:

• Insurance
• Uncertainty
• Risk
• Probability

11.- If the insured has other policies covering the same assets and the same risks:

• A late payment interest may be applied.

• The contract will be terminated early
• There would be a prescription
• It is the insured's obligation to declare them

12.- Indicate how the risk is classified that, when it occurs, only causes economic losses and never
earnings:

• Speculative
• Pure
• Subjective
• Objective

13.- The insured and the insurer agree that in the event of a compensable loss, payment will be made up to the limit of the
contracted insured sum, what form of insurance does the above refer to?

• All risk

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 • First risk
• Real Value
• Replacement value

14.- When insuring a property, a higher value was estimated than it actually had, and this error was not made in bad faith.
According to the law on insurance contracts, what happens to the contract?

• It is canceled but compensation for damages must be paid.

• It is valid as long as the insurer retains the excess premiums.
• It is canceled and payment of compensation is required.
• It is valid until the actual determination of the asset.

15.- From the following coverages, identify which belong to the business package policy:

1. Building fire
2. Breakage of glasses
3. Electronic equipment
4. Content theft
5. Boilers
6. Contractors team
7. Personal belongings
8. Civil liability

• 1, 4, 7, 8
• 1, 2, 4, 8
• 2, 3, 7, 8
• 1, 3, 5, 6

16.- The purpose of risks in risk management is:

• Identify only risk prevention programs to eliminate the losses caused.

due to a harmful event
• Protecting a company's assets against damage and losses caused by risks.
those who confront
• Only assess the risks to which an insurer is exposed to provide to
secured an effective means for the recovery of high-frequency claims

17.- What is the type of risk that produces either a benefit or a loss indiscriminately?
• Speculative
• Personal
• Pure
• Dangerous

18.- Within the damage operation, in case of insuring a good that no longer exists, the Insurer has
right to perform the following acts EXCEPT:

• Issue a credit note to the insured

• Cancel the contract due to its nullity
• Return the premiums to the insured deducting the expenses.
• In case of fraud, charge double the annual premium

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19.- Indicate which concept describes that the company indemnifies the amount of the insured sum, without exceeding
the real value of the assets, provided that the limit established in the policy is maintained:
• First risk indemnity
• Compensation at real value
• Compensable proportion
• Replacement value compensation

20.- Choose 3 attitudes that an insured person can take towards risk:

Worsen it
2. Assume it
3. Delete it
4. Conceal it
5. Prevent it
Transfer it

• 1, 2, 3
• 3, 4, 6
• 1, 4, 5
• 2, 3, 6

21.- If the insured prevents the subrogation of rights from occurring due to acts or omissions, the
insurer:

• Will sanction the insured by denying rehabilitation

• The insured amount will decrease proportionally.
• She will be released from her obligations.
• He will accuse him of exacerbating the risk.

22.- In risk management, risk can be defined as:

• The uncertainty of whether an event will occur

• The economic damages that the applicant already has
• The expected claims by the insurer
• The expected loss for the insured

23.- Indicate two steps that a risk manager must follow:

Identify
2. Prevent
3. Accept
4. Hierarchize
5. Design
6. Avoid

• 3, 5
• 3, 4
• 1, 4
• 2, 6

24.- In risk management, how is the risk of a person who insures classified?
vehicle in poor condition, with the intention of having it stolen?

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 • Pure
• Moral
• Consequential
• Physicist

25.- Within the damage operation, in which of the following cases is the insurer released from its
obligations in case of an accident?

• When it is not possible to hold someone responsible for the damage

• When the insured prevents the subrogation
• When the amount to be recovered is greater than the compensable amount
• When the damaging party is a direct family member of the affected insured

26. - Indicate 3 considerations that a risk manager should take into account when designing a
insurance program

1. Identify the risks, their causes and effects

2. Establish contact with a risk subscriber
3. Intermediary with an insurance agent
4. Know which ones have high severity
5. Know the losses that occur frequently
6. Prioritize the risks

• 1, 4, 6
• 2, 4, 5
• 3, 5, 6
• 1, 2, 3

27. - Indicate one of the principles that risk management uses to minimize frequency.
and severity of the damages that may occur during an incident:

• Transfer to third parties

• Financial retention
• Prevention
• Absolute deletion

28.- Based on the Insurance Contract Law, what is the obligation of the Insured when contracting?
with several companies, insurance that protects an asset regarding the same risk?

• Inform each participating Insurer in writing, indicating the names of the others.
Insurers and the insured sum contracted with each of them
• Notify the insurers up to the time of the claim, charging each one the amount.
insured
• Pay the premiums established by each insurance company with a surcharge for duplicate contracts
• Contract with companies that have a co-insurance agreement

29.- Within the damage operation, what happens to the contract when the good is no longer exposed to
risk for which it was insured?

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 • It is canceled

• The validity is postponed

• It remains in effect until the end of the validity period.

• It is exchanged for another

30.- Within the damage operation, if an insured has more than one insurance on the same assets,
against the same risks, and does not notify the companies with which it is insured at the time of
In the event of an incident, what are the insurance companies obligated to do?

• Only the first contract entered into will be valid.

• The omission releases them from their obligations.
• They must apply double deductible
• An extra premium will be applied to the insured as a penalty.

31.- From the following list, choose two types of risk according to their nature:

a. pure
b. financial
c. insurable
d. speculative
e. uncontrollable

• a, d
• c,e
• d,c
• b,e

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 GUIDE OF VOTER ID B
BUSINESS RISKS OF PERSONAL INSURANCE (RISK)

KEY MAN AND COLLECTIVE GROUP

1.- According to the Group Insurance regulation, what is the deadline for a Group Insurance policyholder?
to report changes in the insured sums?

• 10 days
• 60 days
• 15 days
• 30 days

2.- Identify from the following list 3 requirements established by the Regulation of the Law on the Tax on
Rent, to deduct the premium of the insurance for technicians or executives:

The validity must not exceed 20 years.

2. The payment method must be annual
The contractor must be an irrevocable beneficiary.
The premium must be leveled
5. Relatives must be the beneficiaries
6. The contractual relationship of the technician must be commercial.

• 2, 5, 6
• 1, 2, 5
• 1, 3, 4
• 3, 4, 6

3.- Link the following benefits with their respective characteristics

BENEFITS

Accident
Total disability

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CHARACTERISTICS

a. Period of 3 to 6 months for the claim to proceed

b. Maximum period of 90 days from the date of the incident for the claim to proceed
c. Compensation for rents or a lump sum payment
d. Compensation in a single payment only

• 1 a, b; 2 c, d
• 1 b, c; 2 a, d
• 1 b, d; 2 a, c
• 1 a, c; 2 b, d

4.- ¿Quién recibe la indemnización en caso de que el beneficiario muera antes que el asegurado?

• The insurance contractor

• The legal heirs of the insured
• The insurer
• The legal heirs of the beneficiary

5.- According to the Group Insurance Regulations, what requirement must the chosen rules fulfill?
determine the insured amount?

• The sum insured must be related to the salary.

• Avoid adverse selection for the insurance company
• Equal sum for all workers in the group.
• Allow the deductibility of the tax by the employer

6.- What is the maximum percentage that the insured contributes when the Collective Insurance is contributory?

• 50% of the corresponding premium

• 90% of the corresponding premium
• 75% of the corresponding premium
• 100% of the corresponding bonus

7.- How is the average insured sum obtained in Group Life Insurance?
• Dividing the total insured sum by the issued premium
• Dividing the total insured sum by the average premium
• Dividing the total insured sum by the total number of insured individuals
• Dividing the total number of insured individuals by the total insured sum

8.- How are global experience dividends guaranteed?

• For the profit that the insurer obtains from the portfolio of the same line and type of insurance.
• According to the benefit obtained from all types of insurance, including cars
• Due to the utility of each policy, they are calculated according to the management system.
• Only to very large groups and calculated according to their own claims experience.

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9.- The following statements are mandatory conditions for the renewal of a Group Life Insurance.
EXCEPT:

• Apply the current premium rate

• Deliver dividends
• Issue endorsements to the original policy
• Comply with the requirements of the regulation

10.- What is the maximum period a newly hired employee has to sign their consent, without
need to take a medical exam?

• 60 days
• 30 days
• 15 days
• 45 days

11.- What is the deadline for the Contractor to inform the company of new admissions or withdrawals?
employees in a policy under the self-management system?

• During the term of the insurance

• 45 days after having entered or left the group
• At the end of the term
• 30 days after having entered or exited the group

12.- When a person has uncommon knowledge and the earnings or the life of the business
they can be seriously affected by their death, that person is defined as:
• Indispensable person
• Extraordinary Employee
• Majority partner
• Key man

13.- The following are characteristics of Group Life Insurance with own experience, EXCEPT:

• No proof of insurability required

• Grants dividends for favorable mortality
• The premium is calculated according to the age of each insured.
• Dividends are derived from financial surpluses.

14.- Select 2 exclusions from the following list regarding disability coverage in Group Insurance:

Work accidents
2. When the insured attempts against their own life
3. Conditions due to alcoholism
4. Pre-existing conditions

• 1, 4
• 1, 2
• 2, 4
• 2, 3

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15.- Choose 2 important aspects from the following list regarding the operation of a self-managed system:
The payment of premiums will be adjusted annually.
The insurance company issues the certificates
The contractor pays monthly for increases and decreases
4. No report of enrollments and disenrollments will be given to the insurer during the year.

• 14
• 34
• 13
• 24

16.- Indicate what the purpose of the partners' policy is.

• Preserve the existence of the Society
• Increase the financial part of the company
• Sell the shares due to lack of liquidity
• To cover the financial shortfall or diversion of the company

17.- Indicate in which case the additional benefit of (double) triple indemnity for death does not apply.
accidental collective, in collective and group life insurance:
• If you are in a theater and there is a fire
• If you are in an elevator at the time of the incident.
• When traveling on public transport with a ticket paid for
• When traveling as a passenger on an aircraft

18.- They are 3 main characteristics of Group Life Insurance:

Minimum 10 people, representing 75% of the group
2. Accept any plan, with the most common being the one-year temporary plan.
3. The insured sum is determined by rules that prevent adverse selection.
4. The contractor pays 100% of the premium
5. Type of voluntary affiliation
The insured must have an employment or occupation link.
• 4, 5, 6
• 1, 3, 6
• 1, 2, 4
• 2, 3, 5

19.- What benefit covers the irreparable loss of an eye, compensating the insured with 30%.
of the insured sum?
• Compensation for accidental death or loss of limbs
• Additional payment for temporary and permanent disability
• Exemption from payment of premiums for temporary and permanent disability
• Monthly rent for disability

20.- What document must the insurance company provide to a worker who is registered in an Insurance?
Group?
• A consent
• A endorsement
• A copy of the policy
• An individual certificate

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21.- In which plans can a worker separated from the group request the continuation of protection that
Did you have it without the need to present a medical exam?
• Tempestuous and endowed
• Temporary and lifetime
• Lifelong and dowries
• Temporary and limited life payments

22.- The employee who separates from the group and wishes to continue insured under an individual plan must pay:
• An extra bonus for your new occupation
• The same premium I was paying for the group insurance.
• The premium corresponding to the age reached and to their occupation on the date of their application.
• The premium corresponding to the age reached at the date of separation from the group

23.- Choose an essential difference between Collective Insurance and Group Insurance:
• The commissions in group insurance are lower
• In group insurance, an average premium is applied.
• Group insurance can be operated in plans different from the one-year temporary.
• In group insurance, individual certificates are not issued.

24.- What do the groups described in the Group Insurance Regulations have in common?
• They associate to be able to obtain insurance.
• That the members belong to private groups.
• They have profit-making purposes.
• That they have a working relationship or occupation

25. What should the Insurer consider when the policyholder establishes the insured amount of each
insured?
• That the insured amounts be the same for the entire group
• That the insured define their own insured amount.
• That the insured sums are chosen according to the activity of each worker.
• The existence of a rule to determine the insured sum of group members

26.- What law establishes the benefits that workers will receive in kind and in money due to
accidents and non-professional illnesses, and can be used to design a group insurance
complementary?
• Federal Labor Law
• Social Assistance Law
• Social Security Law
• Income Tax Law

27.- Relate each insurance with its protection features:

SURE:
Collective
2. From the group

CHARACTERISTICS:
a. It can only be contracted under a temporary plan
b. Accepts less than 75% of insured to issue the policy
c. It can be hired to cover the members of a club or a settlers' union
d. The insured amount must be determined for each insured person

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 • 1 a, b; 2 c, d
• 1 a, c; 2 a, d
• 1 c, d; 2 a, c
• 1 b, c; 2 a, d

28.- What plans can be contracted in the Group Insurance according to the corresponding Regulations?
• Temporary for one year and endowed
• Temporary and lifetime
• Temporary for one year and temporary less than one year
• Life annuities and dowries

29.- Members who leave the group, in case they continue covered under an individual plan without
medical exam must have an insured amount:
• Equal to or less than the one I had in the group
• Greater than the one I had in the group
• Equal to or less than the average of the group
• Equal to or greater than the one I had in the group

30.- Company ABC has a workforce of 500 employees. What is the minimum number of employees?
what they must ensure to be considered a group insurance, according to what is established in the
regulation?
• 350
• 300
• 375
• 250

31. - From the following list, choose 2 obligations of the contractor established in the Insurance Regulation.
group:
Notify of the change of beneficiaries of the insured
2. Communicate the change of activity of the insured
3. Inform about the new members joining the group
4. Notify of changes to the sum insured rule

• 1, 3
• 3, 4
• 1, 2
• 2, 4

32.- Relate each contractor with their respective insurable groups:

HIRING PARTY:
Legal entity
2. Employer or company
Federal, state or municipal government

INSURABLE GROUP:
a. Employees of the newspaper El Universal
b. Workers affiliated with the CTM
c. Fire department

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 d. Armed forces of Mexico
e. PEMEX Union
Traffic police
Workers of a foundry factory
h. Members of the National Association of Actors
i. Administrative staff of Club América

• 1 b, e, h; 2 a, g, l; 3 c, d, f
• 1 a, h, i; 2 e, f, g; 3 b, c, d
• 1 b, c, g; 2 a, e, f; 3 d, h, i
• 1 a, e, f; 2 b, c, d; 3 g, h, i

33.- From the following list, indicate 2 insurable groups to which a group insurance can be offered.
life
Condominium Association
2. Employees and workers of a company
3. Members of a union
4. Association of debtors of a bank

• 1, 4
• 3, 4
• 2, 3
• 1, 2

34.- Group insurance can protect the benefits that the employer owes to their workers, among them,
the payment of a seniority premium is found, this obligation is regulated by the Law:
• From Social Security
• Federal del Trabajo
• On Income Tax
• About the insurance contract

35.- Mention what plan a person can contract with the same insurance company without presenting
medical examination, when it ceases to belong to the insurable group.
• A temporary individual insurance less than 10 years
• A renewable one-year individual insurance
• An ordinary individual life insurance
• An ordinary individual life insurance policy with double indemnity benefit

36.- De los siguientes tipos de grupos elija tres que sean asegurables en términos del Reglamento de Seguro
of Group:
Employees of Cigarrera la Moderna
Association of Engineers
3. Association of Alumni of La Salle School
4. Flight Pilots Union
5. Chess club members

• 2, 3, 4
• 1, 2, 4
• 1, 3, 5
• 2, 4, 5

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37.- According to the Group Insurance Regulations, the following are the obligations of the policyholder,
EXCEPT:
• Inform the company of changes in the insured amounts
• Notify the company when an insured person passes away
• Send the consents for the group's discharges
• Inform the company about the new members in the group.

38.- Within the Group Insurance Regulation, how is the criterion established to determine the amount?
insured?
• It is established according to the employee's activity.
• It is established by each group member
• It is established according to the age of each employee
• Rules are established to prevent adverse selection against the Insurance Institution.

39.- Which of the following reasons allows an insurance company to deny at any time
a compensation for the death of an insured worker?
• Changes in activity
• By omission or inaccurate declaration
• Intent or bad faith
• Error in the age declared in the application

40.- If after an event occurs, it is discovered that the insured amount that appears in the certificate does not
it agrees with the rule to determine it, the following is done:
• Pay the insured amount that appears in the certificate, deducting any difference that may exist in
the cousins
• Pay the insured amount that would have corresponded to the insured at the time of the incident.
• Pay the corresponding insured amount, applying the rule that was used to determine it.
• Pay the insured amount that corresponds by applying the current rule.

41.- Identify from the following list 3 requirements established by the Regulation of the Income Tax Law.
Rent, to deduct the premium for insurance of technicians or managers:

1. The validity should not exceed 20 years.

2. The payment method must be annual
3. The contractor must be an irrevocable beneficiary.
4. The premium must be leveled.
5. Family members must be the beneficiaries
6. The contractual relationship of the technician must be commercial.

• 2, 5, 6
• 1, 2, 5
• 1, 3, 4
• 3, 4, 6

42.- What obligation does the insurance company have for the renewal of a group life insurance?

• None, due to being an annual contract.

• Renew the policy applying the rate in effect at the time of contracting the insurance

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• Renew under the same conditions applying the current premium rates
• Renew the contract by increasing the rate based on inflation and claims.

43.- The following characteristics are essential in a key man, EXCEPT:

• It must be a salesperson or manager.
• His replacement represents serious difficulties
• Person on whom a large part of the profits depend
• Man related to production

44.- In a group of 600 people, the rule for determining the assured sum is fixed and equivalent to
$100,000.00. The factor expressed in the table described in the Group Insurance Regulations is 10.
What is the maximum insured amount, without requiring a medical exam for a single worker from this group?

• $1, 000,000.00
• $10, 000,000.00
• $6, 000,000.00
• $100,000.00

45.- Indicate what the objective of the partner policy is:

• Preserve the existence of society
• Increase the financial aspect of the company
• To cover the financial shortfall or diversion of the company
• Sell the shares due to lack of liquidity

46.- What is the main factor that determines whether a group insurance has a dividend experience?
global or own?
• The payment method of the premium
• The rule for determining the insured amount
• The activity of the contractor
• The number of insured

47.- According to the income tax law, what should be done with the insurance reserve?
key man who resigns?

• Grant it to the key man who resigns

• Enter it as taxable income
• Enter it as a non-taxable utility
• Distribute it as a benefit to the employees

48.- What type of organic loss is defined as tibio-tarsal loss or above it?

• By hand
• From the fingers of the hand
• On one foot

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• From the toes

49.- How are global experience dividends guaranteed?

• Only very large groups are calculated according to their own claim frequency.
• For the utility of each policy and they are calculated according to the management system.
• For the profit that the insurer obtains from the portfolio of the same branch and type of insurance
• According to the benefit obtained from all types of insurance, including cars

50.- What is the maximum percentage contributed by the insured when the collective insurance is contributory?
• 100% of your corresponding premium
• 90% of your corresponding premium
• 50% of your corresponding bonus
• 75% of your corresponding premium

51.- Mention some of the data that must be included in the insured registry:
• Insured amount and premium for each employee
• Name and age of each of the group members and beneficiaries
• Nombre y edad de cada uno de los miembros del grupo y número de certificado individual
• Individual certificate number and the activity of each employee

52.- Choose 2 important aspects from the following list in the operation of a system
self-administered

The payment of the premiums will be adjusted annually.

The insurer issues the certificates.
The contractor pays monthly for entries and exits.
No reports of additions and deletions will be given to the insurer during the year.

• 12
• 23
• 24
• 14

53.- Indicate in which case the additional benefit of triple indemnification for accidental death does not apply.
collective, in collective and group life insurance:

• If you are in a theater and there is a fire

• If you are in an elevator when the incident occurs
• When traveling on public transport with a paid ticket
• When traveling as a passenger on an aircraft

54.- From the following list, choose three characteristics that are part of the definition of benefit.
additional total and permanent disability

1. It may be caused by the insured party themselves.

2. It prevents the insured from working in an activity compatible with their abilities.

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3. It prevents the insured from generating income that allows them to maintain their socioeconomic status.
4. It prevents the insured from working in any job that generates income.
5. The injuries suffered by the insured cause permanent loss of vision in both eyes.

• 2, 3,5
• 1, 4, 5
• 1, 3, 4
• 2, 3, 4

54.- Seleccione de la siguiente lista 2 exclusiones de la cobertura de invalidez, en el seguro de grupo:

1. Work accidents
2. When the insured attempts against their own life
3. Illnesses due to alcoholism
4. Pre-existing conditions

• 2.3
• 2.4
• 3.4
• 1,2

55.- In the additional benefit of compensation for accidental death or loss of limbs, it
understand by the loss of a hand:

• Metacarpal separation or above it

• Amputation or ankylosis of 4 fingers
• The separation or ankylosis of 4 complete phalanges including the thumb
• Separation or ankylosis at the level of the carpometacarpal joint or above it.

56.- It is a document that justifies the insurable interest of the partners in an insurance.
Partners.

• Articles of Incorporation
• RFC of the Company
• Financial Statements
• Notarial Act all partners agree to acquire a life insurance for the amount of their shares,
leaving the other partners as beneficiaries.

57.- The Partners' policies will be:

• From Group
• Collectives
• Communal
• Individuals

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58.- In partner insurance, the premiums of the insurance must be paid by:
• The partners
• The company
• For the employees of the Company
• 75% the company 25% the employees

59.- In the Partners' insurance:

• Some of the partners can be insured.
• All partners must be insured without exception.
• Both meanings are correct.
• None is correct

60.- Where the principles and technical procedures that will be used to prevent should be indicated
adverse selection phenomena for the insurer.

• In the group insurance regulations

• All Group insurance policies are without medical examination.
• It is a bilateral agreement between the contractor and the insurance company
• In the technical notes related to Group Insurance products and Collective Insurance

61.- At what moment is the average premium of the group calculated that will be applied in each renewal:
• On each expiration date of the contract
• The insurance company will establish it in the technical note
• It is a bilateral agreement between the contractor and the insurance company.
• None is correct

62.- The group insurance dividends can only be calculated based on:
• The profit resulting from the difference between the net premiums earned and the claims incurred.
• The profit resulting from the difference between the total premium and the claims incurred.
• The profit resulting from the difference between the earned net risk premiums and the claims
occurred.
• Based on the agreed dividend formula

63.- Identify from the following list the characteristics according to the experience of claims.
favorable:

1. Global Experience
2. Personal experience

a).- When the premium of the Group or Collective is determined based on claims experience
of the same or from the Group Insurance policies or from the Insurance
Groups that belong to the same business group.

b).- When the premium of the Group or Collective is not determined based on the
Experience of the general group portfolio.

c).- In the case of life insurance, the number of members of the Group or Collective may not be
less than a thousand at the beginning of the contract term.

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d).- Dividends must be determined using the total experience of the Insurer's portfolio.
that it is about.

e).- In the case of life insurance, the number of members of the Group or Collective may be lower.
a thousand at the beginning of the contract term.

• 1 a, b 2 c, d, e
• 1b, d ,e f 2 a, c
• 1b, a, c 2 d e
• 1b, c, e 2 a, d

64.- Identify from the following list the characteristics according to the determination of Dividends to
pay

1) In case of Personal Experience

2) In case of Global Experience
3) In the case of multi-year policies

a) At the end of the policy term.

b) Al finalizar el ejercicio fiscal correspondiente.
c) The Dividends can be determined at the anniversary of the policy.

• 1 a, 2c, 3b
• 1 a, 2 b, 3 c
• 1c, 2b, 3a
• 1b, 2c, 3a

65.- Characteristics of dividends except:

• 1.- In the case of policies with a term of less than one year, Dividends cannot be granted.
• 2.- Dividends cannot be paid before the policy term ends.
• 3.- They are granted according to favorable accident experience.
• 4.- It will be possible to agree with the insurer to pay guaranteed advance dividends.

66.- In multi-year policies, the payment of dividends must:

1.- They must be granted on the anniversary of the policy.

2.- Considering the incidents that occurred and were not reported during the term of the policy against Dividends
paid.
3.- They must be granted at the end of the multiannual period.
4.- Without considering the accidents that occurred and went unreported during the validity of the.

• 1, 2
• 3, 4
• 1, 4
• 2, 4

19
67.- Insurance companies may grant dividends from profits in financial returns. Such
Dividends can only be calculated based on:

• The Experience of Favorable Mortality

• The Global or General Experience
• The profit resulting from the difference between the returns obtained from the investments that
they support the technical reserves and the expected rate of return.
• Own or individual experience

70.- In Group Insurance that cover the risk of death, the Insurers must have the
next document from each of the members:

• Individual consent
• Master Policy
• Certificate
• Paragraph

71.- In Group Insurance covering the risk of death, Insurers must have the
next document from each of the members:

• Individual consent
• Master Policy
• Certificate
• Inciso

72.- According to the Group Life Insurance Regulation, into how many sections are the Groups divided?
Insurable?
• a) In 2 parts
• b) In 3 items
• c) In 4 sections
• d) In 5 sections

73.- What is the maximum percentage that the insured contributes when the Group Insurance is contributory?
• 75% of the corresponding premium
• 90% of the corresponding bonus
• 75% of the average contribution of the community
• 100% of the corresponding premium

74.- According to article 8 of the Group Life Insurance Regulation, in which case can it be designated as
beneficiary to the insurance contractor?
• To ensure the work
• To continue being insured
• To guarantee benefits
• To be entitled to social security

75.- When does the incontestability period for each certificate in the Group Life Insurance begin?
• A partir del segundo año del certificado

20
 • Starting from the third year
• Starting from the first year
• Starting from the second renewal of the policy

76.- According to the Normal Administration System, the group insurance contractor must report the
highs and lows in shape:
• Monthly
• Annual
• Semesterly
• Quarterly
77.- Choose 2 important aspects in the operation of a System from the following list
Self-managed:

The payment of premiums will be adjusted annually.

The insurer issues the certificates
3. The contractor pays monthly for increases and decreases.
4. No report of new enrollments and cancellations will be given to the insurer during the year.

• 1, 2
• 4, 2
• 1, 4
• 3, 1

78.- In what situation can an insurer require a medical examination from a worker who has separated from the company?
Insurable group to grant an individual life insurance?

• The worker retired due to an illness caused by work.

• The employee changes to an activity that involves a higher degree of danger.
• The worker requests the Individual Insurance on the 31st after their separation from the insurable Group.
• The reason for the separation from the insurable group is that the worker committed a crime.

79.- The Contracting Party of a Group Insurance policy can be a beneficiary when:

• The object of the insurance is related to the social security obligations of the Contractor.
• There are additional risks within the workplace
• The purpose of the insurance is to guarantee a loan granted by the Contractor.
• The insurance will be contributory and mandatory for all employees.

80.- What Administration System reduces expenses for the Insured and the Insurer in Insurance?
Group Life?
• Mixed
• Autoadmnistrado
• Traditional
• Contributor

81.- In the insurance of a technician or manager, what obligation does the Law on Income Tax indicate?
When is the policy canceled?

• The policy must be redeemed and added to its earnings.

• Grant a personal accident insurance
• Reinstate the insurance immediately

21
 • Change beneficiary
82.- Identify from the following list 3 requirements established by the Regulation of the Income Tax Law
Rent, to deduct the premium for technical or managerial insurance:

The validity must not be greater than 20 years

2.- The payment method must be annual
3.- The Contractor must be an irrevocable Beneficiary.
4.- The premium must be leveled
5.- Family members must be the beneficiaries
6.- The contractual relationship of the technician must be commercial.

• 2, 5, 6
• 1, 2, 5
• 1, 3, 4
• 3, 4, 6

In the Major Medical Expenses Insurance, the spouse or partner and children under 25 years of age
age, single and not receiving remuneration for personal work, are called:

• Third parties
• Additional Insureds
• Economic dependents
• Beneficiaries

84.- The Collective Personal Accident Insurance while Traveling covers the following accidents, EXCEPT for those that
happen when boarding, on board or while in, or when disembarking:

• A commercial airplane
• A bus legally authorized for passenger transport
• The company's plane
• A cruise

85.- Identify the ways to manage a group insurance:

• Coinsured and self-managed

• Traditional and simplified
• Reinsured and coinsured
• Reinsured and traditional

86.- Exclusion of additional accident benefit

• Business trip
• Pleasure trip
• Professional skydiving
• Amateur skydiving
86.- What is the minimum hiring age for accidents:
• 25
• 20
• 18
• 16

87.- In which case does the insurer withhold the tax on the compensation from the group insurance:

22
 • In case of not being a direct relative
• In case of being a revocable direct relative
• In case of being an irrevocable direct relative
• In case of being a direct relative

GUIDE OF VOTE CARD B

BUSINESS RISKS OF PROPERTY INSURANCE (BRPI)

AUTOMOBILES

A fleet is determined if it exists:

• A business policy
• A master policy
• A floating policy
• An open policy

In a collection of employee cars, the issuance of documents that the insurer carries out to
each fork of the same, is called:
• Policy
• Certificate
• Incision
• Endorsement

3.- The driver of a Mexican cargo transport causes damage to two other vehicles in El Paso Texas.
The truck has truck insurance; however, it does not cover the damages to the other two vehicles.
Indicate in which clause this exclusion is stipulated:
• Territoriality
• Salvations
• Competence
• Subrogation

4.- In the Auto Insurance, indicate who determines, according to the coverages and exclusions of the
policy, if the incident is covered:
• The traffic agent
• The insurance agent
• The risk inspector
• The adjuster

5.- In Car Insurance, indicate three elements that are taken into account for the compensation.
partial losses:
1. Invoice value of spare parts
2. Taxes
3. Medical expenses for occupants
4. Labor

23
 Legal assistance

• 1, 2, 3
• 1, 4, 5
• 1, 2, 4
• 3, 4, 5

6.- In the case of a car insurance claim, what is the timeframe within which compensation must be paid?
Insurance company to an insured, once they have submitted all the required documentation?
• 90 days
• 45 days
• 60 days
• 30 days

7.- In Automobile Insurance, indicate the compensation bases for total loss due to theft of
vehicles with more than one year of use:
• At market value
• Invoice amount
• Replacement value
• At the value of depreciation

8.- From the following list, choose 4 charges that are considered dangerous under Liability coverage.
Civil
Groceries
Heavy machinery
Wood logs
Fruits and vegetables
Live livestock
Cold cuts
7. Posts
8. Clothes

• 2, 4, 5, 8
• 1, 4, 6, 8
• 1, 3, 6, 7
• 2, 3, 5, 7

9.- In a car pool of an organization, the most common way to pay the premium is:
• Agent
• Fractionated
• One-time payment
• By payroll

10.- The dividend in automobile insurance is granted only when:

• There is not a single disaster.
• They are fleet policies and the claims experience was lower than the earned premium.
• These are individual policies
• They are individual policies and the financial product was high.

11.- In a fleet of cars of an organization where the employee pays the premiums themselves, the
the most common way to pay for it is:

24
 • bank window
• By payroll
• Agent
• Broker

12.- In car insurance, how much time does the insurer have to carry out the valuation of the
damage to a vehicle, whose incident was reported promptly by the insured and the vehicle is
available to the insurer?
• 48 hours.
• 72 hours.
• 24 hrs.
• 96 hrs.

13.- A community is determined to exist if:

• Policy for each car of a business policy
• Global policy with a premium paid by the company
• Policy for each car with the premium covered by the company
• A floating policy

14.- The participation in financial profits and/or good claims experience of an auto insurance policy is known as
like:
• Deposited goods
• Bono
• Return of premium
• Dividend

15.- The driver of a passenger transport truck overturns on the Mexico-Cuernavaca highway,
he declares that he fell asleep, however in the Public Ministry record, it states that he had a strong
alcoholic breath. The truck owner approaches you for advice on claiming his insurance.
trucks before the insurance company. You will indicate that it is a risk:
• Not sheltered
• Additional
• Supported
• Covered by express agreement

16.- In car insurance, indicate how compensation for total loss due to damage is determined.
materials from the latest model vehicles contracted based on the value of new units:
• At market value
• The invoice amount
• At replacement value
• At the value of depreciation

17.- In the auto policy, a truck insured transports rolls of paper and causes damage when unloading them.
damage to a vehicle passing by. Indicate how the risk is considered for the truck's policy.
above mentioned:

• Not supported
• Sheltered
• Covered by express agreement
• Additional

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 18.- In car insurance, legal assistance is used for:
• In case of an accident, offers towing service, gasoline, and engine inspection.
• In case of an accident, it offers substitute car service, legal (lawyer) service, and personal bond.
• In case of an accident, it offers legal service (lawyer) personal and vehicle bond.
• In case of a claim, it offers legal service (lawyer) and fidelity bond.

19.- What surcharge is applied for passenger cars and school buses?
R.- Tourism: 50% in coverages I and 2, 100% in coverages 3 and 4.
School buses: 25% discount on coverages I, 2, 3, and 4.

20.- What is the difference between the quotes for trucks for private service and for public service?
Public service vehicles carry a surcharge of 25% for property damage and 15% for total theft.
29.- What surcharge exists to cover damages to third parties caused by the cargo, in the groups of
civil responsibility for property, individuals, and catastrophic events?
R.- In goods and persons: Group A 0%
Group B 25%
Group C 75%
In the catastrophic Group A 0%
Group B 150%
Group C 400%

30.- What is an example of dangerous cargo for R.C. Trucks?

• Jewelry
• Clothing
• Appliances
• Wood logs

31.- Choose the circumstances in which trailers are covered under the basic theft coverage
total:
• When it is hooked to the truck
• The trailers hooked to a dolly
• As a consequence of a purchase agreement
• Uncoupled and parked on public roads

26
 GUIDE OF BALLOT B
BUSINESS RISKS OF PROPERTY INSURANCE (BRPI)

FIRE

1.- Identify the goods excluded in the endorsement of strikes and public disturbances caused by vandalism.
in fire insurance:
Boiler rupture
2. Damage to buildings
3. Rotating parts of machines
4. Damage to steam machines
5. Repressive measures by the authorities

• 2, 3, 4
• 1, 3, 4
• 1, 2, 5
• 3, 4, 5

2.- From the following list, identify 2 surcharges applicable to the basic fire coverage fee when
is quoted in the buildings chapter of the tariff:
Boundaries without a property stake
2. Number of floors
3. Construction
4. Doors and windows to the street
5. Housing cores
6. Proximity of sources

• 1, 4
• 1, 6
• 2, 5
• 2, 3

3.- What is the percentage discount applied to the fire insurance when on a property
Does the insured have extinguishers and exclusively external surveillance?
• 0.0375
• 0.015
• 0.045
• 0.0275

4.- For fire and explosion coverages, the insured chooses a participation in the claim, with
different percentages one for each fire area, with the application of the highest percentage when they are seen
affected 2 areas or more What type of coverage does your policy have?
• Agreed co-insurance
• Agreed deductible

27
 • Floating insurance clause
• Increases and decreases in pro rata

5.- From the following contents of a jewelry workshop, identify 3 items that are basically insured in
fire insurance:
1. Accounting books
Gold pieces
3. Silver pieces
4. Raw gemstones
Gold bars
6. Cutting tools

• 3, 4, 5
• ["1","4","5"]

• 2, 3, 6
• 2, 5, 6

6.- Indicate the assets that are covered under express agreement in the fire coverage:
• Postage stamps and banknotes
• Titles and works of art
• Money and accounting books
• Molds and models

7.- Identifique los 3 aspectos que definen el concepto de la “Combustión espontánea”:

They do not require an external heat source to initiate them.
It is produced by a direct heat source.
It is generated only outdoors.
4. It originates from chemical and biochemical oxidation.
5. Produce solid and carbonaceous waste

• 1, 4, 5
• 1, 2, 3
• 2, 3, 4
• 3, 4, 5

8.- It is the usable space encompassed in 2 construction elements with a minimum height of 1.50 meters.
• Parapet
• Fire door
• Level
• Wall

9.- According to the claim notification clause, what is the deadline for the insured to communicate in writing?
to the insurer as soon as it has knowledge of the fact?
• 72 hours.
• 24 hrs.
• 120 hrs.
• 48 hrs.

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10.-Within fire insurance, what is the heating produced by fire or flame called, which is not
precisely originated from electrical resistance or from hot steam?
• Direct fire
• Short circuit
• Desiccation
• Spontaneous combustion

11.- Son aquellos riesgos que al momento de la contratación tengan una suma asegurada por ubicación
less than $3,517,500.00, including the value of the building, machinery, and consequences
• Specials
• Catastrophic
• Of cover extension
• Ordinary

12.- To the person assigned by the Insurers to quantify and assess the amount of the claim, based on
the terms and conditions of the contracted policy are known as:
• Reinsurer
• Corridor
• Subscriber
• Adjuster

13.- From the following list, indicate 3 documents that the Insurance Company requires to assess and compensate a
loss due to fire
The original insurance application
2. The receipt with the paid stamp
3. A state of damages suffered
4. Invoices, accounting books
5. Official identification of the contractor
6. Certified copy of records from authorities

• 3, 4, 6
• 1, 3, 4
• 2, 5, 6
• 1, 2, 5

14.- Indicate the risks excluded from the coverage of aircraft, vehicles, and smoke:
• Vehicle explosion
• Fallen objects from airplanes
• Smoke or soot from chimneys
• Smoke caused by accidental fire

15.- In fire insurance, what is the name given to the facilities that are located
separated by a distance of 15 meters, made of solid construction and non-combustible materials?
• Building and accessory
• Fire area
• Grocery store
• Facilities or attachments

29
16.- What clause is the following text based on?: 'In the event that the Company, despite having received
the documents and information that allow you to understand the basis of the claim that has been made to you
presented and does not fulfill the obligation to pay the compensation, capital or rent...
• Prescription
• Forensic expertise
• Safeguard or recovery
• Late interest

17.- How are damages to property due to the shutdown of refrigeration plants covered in a policy?
fire?
• Under express agreement
• The commercial value
• For appraisal
• In the basic coverage

18.- What percentage of the annual deposit premium corresponds to the automatic adjustment of the insured amount?
• 0.35
• 0.25
• 0.15
• 0.2

19.- What deadline does the insured have to conduct an inventory of their business, if they do not have one, before
to celebrate the insurance contract for business interruption?
• 6 months from the date of issue of the insurance
• 60 days from the start of the policy validity
• 9 months from the start of the validity of the policy
• 30 days from the date of issuance of the insurance

20.- The adjuster must be a person:

• Physics
• Moral
• Physical or moral
• Limited liability company

21.- What types of property can be covered under an express agreement in fire coverage?
• Money and values
• Import machinery
• Works of art greater than 200 D.S.M
• Works of art over 300 D.S.M

22.- Indicate the goods that are covered in the extended coverage by express agreement:
• Windmills
• Standing crops
• Tree falls due to pruning
• Vehicles owned by the insured

23.- How are risks classified according to the Fire Branch manual?
• Buildings, contents, industries, businesses

30
 • Buildings, ordinary, industrial-commercial and large risks
• Buildings, ordinary, industrial, businesses
• Simple, great risks, industrial, commercial

24.- Is the Public Ministry record in the Fire Insurance necessary for my procedure of the
compensation from the insurer?
• Only in the event of a human loss
• Only in the case of material loss
• No
• Yes

25.- What is the percentage discount applied to the Fire Insurance when an insured location...
Does it have fire extinguishers, surveillance, and comply with the regulations?
• 0.05
• 0.1
• 0.15
• 0.125

26.- What assets are covered by 'Express Agreement' in the flood endorsement of the insurance?
Fire?
• Channel systems, drains, fences, walls, hedges, and retaining walls
• Construction on the beach due to the natural action of the tide
• Crops or standing plantations that are about to be harvested
• To fixed installations that are outdoors

27.- The technical requirements for granting discounts on Hydrants, Extinguishers, and Surveillance are
the following EXCEPT:
• Water supply
• Municipal firefighters
• Fire hydrants
• Classification of fires

28.- What consequential coverage does a merchant require to protect the expected activity even when
Is your merchandise destroyed by a fire?
• Loss of income
• Insurance for extraordinary expenses
• Reduction of income due to interruption of business activities
• Insurance for goods and/or finished products at net selling price

29.- Distinguish which specific provision of the fire rate indicates the following characteristics: “It is the
set of main and accessory material constructions, with their fixed installations (water, gas,
electricity, heating and others), excluding foundations and fittings that are located below the level of
lower floor
• Building
• Inventories and machinery
• Housing units
• Ordinary risks

30.- In which clause is it stated that the complainant must go to the National Commission for Protection and
Defense of Financial Services Users in case of controversy?
• Competition
• Notice of claims

31
 • Expertise
• Communications

31. From the following list, choose 3 ways that the multiple protection clause covers goods of origin.
national
Replacement value
2. Acquisition of goods on the insured's premises
3. In locations not described in policies, but under the control of the insured
4. Variation in the value of goods
5. Agreed co-insurance
Agreed deductible

• 1, 2, 6
• ["1","5","6"]

• 3, 4, 5
• 2, 3, 4

32.- What are the basic coverages of fire insurance?

Fire and lightning and damages caused as a result of the necessary salvage measures for
to extinguish the fire.

33.-How is the insured sum in fire defined?

The insured amount is set by the insured and is not proof of either the existence or the value of the goods.
it only represents the basis for limiting the company's maximum liability.

34.- What is the consequence of being underinsured in the fire policy?

R.- The consequence is that the compensation, in case of an incident, will be proportional considering
the value of the goods at the time of the accident and the amount of the insurance, so the difference, up to the
The total amount of the damage will be borne by the insured.

35.- In the event of a loss, how is the actual value obtained?

R.- Considering the replacement value less the depreciation that they have suffered as a result of their use,
age or maintenance and/or its possible increase in market value.

36.- What is meant by replacement value?

It is the amount that would be required at the time of the incident, the construction, acquisition, installation or repair.
in your case, of -movable and immovable property, of the same class, quality, size or production capacity without
consider any reduction for physical depreciation.

37.- What are the additional coverages in the fire policy?

Explosion.
Hurricane and hail. Airplanes, vehicles, and smoke.

32
Strikes, civil unrest, civil disturbance, vandalism, and damage caused by wrongdoers.
intended.
Cover extension.
Fire protection equipment spill.
Earthquake and volcanic eruption.
Spontaneous combustion.

38.- What risks does explosion coverage protect against?

R.- It covers the material damages caused directly by the explosion, whether it occurs inside or
outside the insured property and regardless of its origin.

39.- What type of goods is it recommended to have explosion coverage?

R.- Those properties where flammable or explosive substances are used, pressure equipment or
even those that have adjacent turns where these types of materials and/or equipment exist.

40.- What risks are excluded from the explosion endorsement and why?
R.- The damages caused by their own explosion suffered by boilers or pressure vessels, remaining
excluded due to the existence of a specific policy.

41.- What risks are excluded from coverage for strikes and public disturbances?
R.- Theft, robbery or looting, depreciation, delay, loss of merchandise or any consequential damage.
shortage, scarcity or reduction of energy, fuel or labor of any kind or nature,
temperature or humidity changes, damage to glass and crystals explosion, breaking or bursting of
boilers.

42.-Mention what the three types of application of the Coverage Extension endorsement are.
R.- a) Endorsement for buildings and contents of industrial and special risks, as well as buildings of
apartments.
b) Endorsement for private residential house (Single-family) except for apartment buildings.
c) Endorsement for contents of private residences (Single-family), of apartments and
condominiums.

43.- What does the clause for the spill of fire protection equipment consist of?
R.- Covers the material damages caused directly by accidental spillage from sprinklers, tanks and
water pipes, fire extinguishers, and any other equipment that is part of the protection facilities
fire prevention.

44.- Is there any deductible for the equipment spill coverage against fire?
R.- No.

45.- What risks are covered by earthquake and volcanic eruption insurance?
R. - It covers material damages caused by earthquake and volcanic eruption, but excludes improvements.
(exigidas o no. por autoridades), para dar mayor solidez al edificio o para otros fines, en el caso de
repairs for incidents covered by insurance.

46.- What is understood by spontaneous combustion?

It is a chemical order oxidation process that occurs slowly and is experienced by some materials.
regardless of any external heat source and manifested by the presence of ashes or
carbonaceous residues.

47.- In the coverage of spontaneous combustion, what is the insured's participation in the loss?
The agreed co-insurance is 20% on all compensable loss or damage.

33
48.- What is the deductible and how is it applied in the coverage of spontaneous combustion?
R. - The deductible is 10% of the actual value of the insured goods at the time of the loss, and
it applies only after subtracting the insured's participation.

49.- What factors are taken into account to quote fire and lightning coverage?
Building risks.
R. - Construction, contents, boundaries, city (situation), communication, and height.

50.- In which coverages is the discount for modern plantations where wood is harvested applied?
In fire and explosion coverages.

51.- What percentage is the discount applied to modern plants where wood is processed?
Discounts range from 7.50 to 12.50 per thousand.

52.- For how long is the discount for modern plants where wood is worked authorized?
For a year.

53.- In which coverages does the discount for fire protection apply?
The discount applies only to the portion corresponding to the risks of fire and/or lightning and
The percentage varies according to the type of equipment present on the insured property.

54.- For how long is the discount for fire protection authorized?
R.- For a year.

55.- What is understood by higher construction?

R.- Any building in which its structural members are made of non-combustible material, with a resistance to
fire no less than two hours, at a minimum temperature of 1010 C. Basically - this definition applies to
buildings that are constructed with structural walls and/or reinforced concrete or steel columns
coated.

56. In which coverages is the discount for superior constructions applied?

R.- to Buildings: In the coverage of fire and/or lightning, hurricane, and hail.
Building contents: In hurricane and hail covers.
Buildings and contents of residential homes: In the coverage of roof extension.

57.- Indicate the maximum percentage of discount applied for superior construction.
The discount is 60%

58.- To which goods do the discounts for seismic design and wind design apply?
R.- Only to the material constructions of buildings, as long as they are designed and
built to withstand them. For this purpose, the insured must present the seismic design certificate
duly signed by the responsible expert.

59.- In which coverage is the seismic design discount applied?

R.- In an earthquake and volcanic eruption.

60.- Define the insurance based on the declaration of goods.

The insurance company agrees to have a fixed insured amount as a maximum limit, and the
the insured will only pay premiums in accordance with the actual inventory of their company. Provided that they do not exceed the
insured sum, reporting their stock to the company monthly.

61.- What type of goods is the declaration-based policy insurance modality applicable to?

34
R.- Goods, raw materials, in at-risk processes whose inventory is variable, in such a way that
these variations are always properly covered.

62.- Covers the loss or damage suffered by the insured goods due to sudden and unforeseen accidental action.
caused by any reason except for the excluded risks, this concept is known as:
• Fire, Lightning and Explosion
• Cover Extension
• All Risk Fire Insurance
• Named Risks

GUIDE OF VOTE CARD B

BUSINESS RISKS OF PROPERTY INSURANCE (BRPI)

MARITIME AND GOODS TRANSPORT

1.- A shoe manufacturer agreed with the buyer that the merchandise will be delivered within the
factory. Indicate under which type of contract the sale was made for the purposes of transport insurance.
of goods:

• FAS 'free alongside ship'

• DDP 'delivery duty paid' (delivered at destination with taxes paid)
• FCA 'free carrier'
• EXW "ex Works" (at the seller's premises)

What does the risk of loss cover in cargo transportation insurance?

• The damage caused by oxidation, whether due to seal breakage

• When the goods stowed on deck are swept away by the waves
• The damage that goods suffer from contact with other loads
• Losses due to jettisoning cargo in order to save the ship and the remaining cargo

3.- The approach refers to the collision that occurred between 2 or more vessels or between these and artifacts.
floating naval vessels What law establishes the above?

35
 • Hague-Visby Rules
• The General Communication Routes Law
• The Hamburg Rules
• The Navigation Law

In marine cargo insurance, if the ship is not classified, what does the company do?
in case of a claim?

• Cancel the policy

• Apply extra premium
• Reject the claim
• Apply double deductible

5- Relacione las disposiciones legales en el seguro de Transporte Marítimo con su propósito:

PURPOSE
They regulate the adjustment procedure
They regulate the main communication routes.

LAWS AND REGULATIONS

a. General Law of Communication Routes
b. York-Antwerp Rules
c. Navigation Law

• 1 c; 2 a
• 1 c; 2 b
• 1 b; 2 c
• 1 b; 2 a

6.- In the Cargo Transport insurance, if a road were blocked and the transport had
What change their route, under which clause would the transported goods be protected?
• Variations
• Stay
• Leak
• Interruption in transportation

7.- If a captain throws the cargo overboard to prevent the ship from sinking, it is said that he has
carried out an act of:
• Cheapness
• Major breakdown
• Safeguard
• Simple breakdown

8.- From the following list of laws, select 4 that are directly related to transportation insurance.
of goods:

1. Law on roads, bridges and federal transportation

General Law on Insurance Mutual Institutions and Societies
3. Law on the insurance contract
4. General Law of Submarine Routes
5. Civil Aviation Law
6. Navigation Law

36
 7. Shipyards and Ports Law

• 4, 5, 6, 7
• 2, 4, 5, 7
• 1, 2, 3, 6
• 1, 3, 5, 6

9.- What is the package of basic risks called in goods transport insurance?
• Basic traffic risks
• Ordinary transportation risks
• Basic loading risks
• Ordinary Traffic Risks

10.- From the following list, choose 2 international legislations that regulate the payment of compensation in the
cargo transportation insurance

London Port Act

2. York Rules - Antwerp
3. Navigation Law
4. Civil Aviation Law of the UAE
5. Hague-Visby Rules

• 4, 5
• 2, 3
• 2, 5
• 1, 3

11.- In merchandise transport insurance, what type of policy should an insured request and
pay before starting to run the risk of a single and determined transportation of goods?

• Specify
• Open
• Global
• Annual

12.- A Mexican importer claims from his insurer, under his cargo transportation policy, the
damages that your merchandise suffered during its transport from El Paso Texas to Monterrey. Indicate 3 elements that
they will determine the compensable value:

Invoice value of the goods

2. Late Fees
3. Import taxes
4. Expenses related to transportation
5. Costs due to market loss
• 1, 2, 3
• 1, 3, 4
• 2, 4, 5
• 1, 2, 5

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 13.- A Mexican importer acquired goods and agreed with the seller that he would hire both the
transport like insurance What were the terms of the purchase-sale?

• C&F "Cost & Freight"

• CIF "Cost Insurance and Freight"
• DDU 'Delivery Duty Unpaid' (delivered at destination with import duties unpaid)
• DDP 'Delivery Duty Paid' (Delivered at destination with import taxes)
paid)

A Mexican importer is informed that his newly unloaded merchandise is at the port of
Acapulco is damaged. Indicate 3 actions that must be taken to claim the damage through your policy.
Cargo transport insurance:

Claim damages before the National Commission of Insurance and Bonds

2. Certify the damages
3. File a written complaint with the carrying company
4. Notify the insurer in writing (of loss or damage)
5. Report the damages to the harbor master's office
• 3, 4, 5
• 1, 2, 3
• 2, 3, 4
• 1, 4, 5

15.- From the following list of rating agencies, identify 3 recognized by the Companies.
Insurance companies in cargo transport insurance:

Bureau Veritas
2. Liberia Registry
3. British Corporation
4. Japan Singapore
5. Italian Register
British Singapore

• 2, 4, 5
• 1, 2, 6
• 3, 4, 6
• 1, 3, 5

16.- Relate the means of transport of goods with their laws and regulations

Means of transport
Aerial
2. Maritime
3. Land

LAWS OR REGULATIONS
a. York Rules - Antwerp
b. Regulation on road transportation and auxiliary services
c. Air Navigation Law
d. Civil Aviation Law

38
 • 1d; 2a; 3b
• 1a; 2b; 3c
• 1c; 2d; 3b
• 1d; 2b; 3c

17.- From the following risks, choose 3 that are covered by the basic coverage of Transport Insurance.
Maritime Goods
Fire in the merchandise
2. When the merchandise gets wet with seawater
3. Ship Sinking
4. When the goods are transported from the sender's address to the recipient's address.
The theft of a box in a load of 14 boxes
6. The collision against another ship or against the dock
• 3, 4, 5
• 1, 3, 6
• 1, 2, 5
• 2, 4, 6

18.- For the purposes of cargo insurance, what is the phenomenon called that causes the
natural decomposition of fruits, vegetables, dairy products, plants, meat, fish, and seafood, as well
like the volatilization or evaporation of perfumes and essences?
• Decomposition
• Self-consumption
• Own vice
• Mermaid

19.- The additional coverage for variations in the Cargo Insurance covers:
• Transport interruptions due to mechanical failures
• Deviations that the means of transportation has due to a change of route
• Interruptions due to causes attributable to the insured
• Abandonment of property by the insured

20.- How does the company indemnify in the event that the total value of the cargo at the time of the incident is
greater than the insured sum contracted, if the loss was total?

• Covers 100% of the total value of the cargo but with a higher deductible
• Apply the indemnifiable proportion clause but only up to the insured amount.
• Covers 100% of the total value of the cargo
• It covers 100% of the total value of the cargo but with a higher agreed co-insurance.

21.- The laws of Civil Aviation, navigation, and railway service are part of the legal framework of
Insurance of:

• Goods transportation
• Product liability
• Aircraft fuselage
• General civil liability

22.- From the following list, choose two national legislations that regulate the payment of compensation in the
Cargo Transport Insurance:

39
 Civil Aviation Law
2. Civil Railway Service Law
3. Law on Roads, Bridges, and Federal Road Transport
4. Law on the Transportation Insurance Contract
5. General Law of Mutual Insurance Institutions and Societies

• 2, 5
• 1, 3
• 2, 3
• 4, 5

23.- From the following list, choose three characteristics that correspond to the Warehouse or Warehouse for
Maritime, Terrestrial or Aerial shipments.

1. When the goods are in the care of the carriers, and it ends 48 hours later at the place of
destination.
2. It starts from when the goods leave the warehouse's premises and ends with their arrival at
address of the consignee's warehouse.
3. When the goods are in the charge of the carriers and it ends with their unloading.
about the docks at the final port.
4. In interruptions, 15 calendar days are included if the warehouse is located in the port of
destination.
5. It begins at the moment the goods are received by the postal offices and ends upon being
entregados al destinatario.
6. Interruptions include 30 calendar days if the final destination is different from the border city.

• 3, 5, 6
• 2, 4, 6
• 1, 3, 5
• 1, 2, 4

24.- In case of a claim in the Merchandise Transport Insurance, which clause would cover it?
replacement of wrappers or marking of insured items?

• Of labels or wrappers
• Variations
• Postal shipment
• Of the component parts

25.- The Company compensated an insured party who suffered a loss in their merchandise while it was
detained in the same city as the final destination but had not arrived at the recipient's address, what is the
clause that protects against this risk?

• Recognition of rights
• Transportation interruption
• Warehouse to warehouse
• Theft of parcel in full

40
26.- In Goods Transport Insurance, what type of transport policy does not require a premium?
Is the deposit not a term of validity but does it cover shipments up to a determined maximum value?

• Open
• Closed
• Specific per trip
• Annual declaration

27.- Relacione las coberturas adicionales con su correspondiente característica, considere que sobran 2
characteristics:

COVERAGES

Losses and/or spills

2. Swelling
3. Sweeping
4. Captain's piracy

CHARACTERISTICS

a. Damage to property intentionally thrown into the sea

b. Losses of goods due to illicit acts committed voluntarily by the crew
c. Damage caused to the goods when this is due to the breaking of the packaging
d. Loss of property due to fire, lightning, and explosion
e. Loss of goods stowed on deck being swept away by the waves
f. Damages for the loss of packages that have fallen overboard during loading operations

• 1a, 3b, 2c, 4d

• 1d, 3c, 4f, 2a
• 1c, 2a, 3e, 4b
• 1b, 4e, 2c, 3f

28.- The owner of merchandise insured under a Cargo Transport policy, loaded on a ship
from Panama to Veracruz, it is reported that Heavy Damage was declared and that it must contribute to this.
The legal basis for the contribution to General Average is found in:

• The Navigation Law

• The General Communication Routes Law
• The Hamburg Rules
• The Hague-Visby Rules

29.- In the event of a major damage occurring during a sea voyage, under what laws are the payments made?
damages?

• Foreign laws, Mexican Commercial Code, York Antwerp Rules, and charter party
• Mexican Commercial Code, Bill of Lading, Civil Code, and foreign laws
• Mexican Law, York Antwerp Rules, and Warsaw Convention
• Foreign laws, York Antwerp Rules, and Mexican Civil Code

41
30.- In Cargo Transport Insurance, if the claim is not presented to the carrier in a timely manner,
the insured's rights to compensation with the Insurer may be affected. Indicate why
Can the insurer be relieved of its obligations?

• Why is the subrogation of rights affected?

• Because it is an additional uncovered risk.
• Because there was intent to deceive
• Because the risk worsens

31.- A Mexican importer is informed that his merchandise is damaged at the port of Manzanillo.
Select 3 actions from the following list that you must take to maintain your right to compensation.
before the Insurer in the Freight Transport Insurance:

1. Contact the accident commissioner or competent authority

2. File a complaint in writing to your customs agent
3. Complain in writing to the carrier
4. Present a written notice of loss or damage to the Insurer

• 1, 2, 4
• 1, 3, 4
• 2, 3, 4
• 1, 2, 3

32.- What is understood by general average or gross average?

R.- They are the damages suffered by the ship or the cargo, or both things, as a result of the acts that are
deliberately take actions to save the vessel from any known and effective risk.

33.- Under what provisions is maritime insurance governed?

R. - It is governed by the provisions of the Mexican commercial code, the law of navigation and maritime commerce
and international treaties.

34.- What does particular damage mean?

It is any loss or extraordinary expense that affects solely and exclusively the damaged thing due to a cause.
a fortuitous external accident and as such, unforeseen and inevitable.

35.- What is meant by the stay of transported goods?

It is the time that goods stored in warehouses, docks, platforms, or other places last,
waiting for its shipment or reshipment to its destination.

36.- What additional coverage can only be granted for goods traveling on deck, when
the port authorities allow it, in maritime transits?
R.- The coverage of sweeping or dragging of the overlay by the waves.

37.- How can the risk of contact with other cargoes affect the merchandise?
R.- Due to changes in: Color, taste, smell, and appearance.

38.- What does the risk of breakage cover?

R.- It covers material damages or losses of property due to breakage or cracking, excluding scratches.
dents and chips.

39.- What is understood by maximum limit per shipment?

42
R.- 1.- The highest value of any goods that are being transported.
2.-The total value of all goods being transported in a single trip, in a single vehicle or
in a single railway car.

40.- In the warehouse-to-warehouse clause for maritime transport, what additional protection is granted?
R.- 1.- Covering up to 15 days if the warehouse is located in the same port.
30 days if the final destination of the insured goods is outside the limits of the port.

41.- From the following list of additional coverages, identify 3 that correspond to specific damage:

Junction
2. Bag theft
3. Transport collision
Partial robot
5. Major breakdown
6. Break or crack

• 2,4,5
• 1,3,5
• 2, 5, 6
• 1,3,4

42.- In an international transaction, the purchase-sale contract specifies that the obligation of
The exporter is to have the goods on board the ship and pay the freight.
The type of contract used for the purpose of cargo transportation insurance is:

• Cost, insurance, and freight

• Onboard position
• Cost and freight
• In factory

43.- Absolute exclusions in cargo insurance:

• Strikes and popular disturbances, stains, cracks, variations

• Total robbery, interruption of transport, violation of laws by the insured, federal provisions,
captain's bartering.
• Market loss, abandonment, delay, inherent vice.
• War fleet, market loss, spill, captain's cheapness.

44.- In maritime and transportation insurance, the variation in transportation is:

• Logbook change during transport

• Schedule change in the itinerary of the route
• The deviation or change in the transportation route
• The difference between the weight and volume of the good

What do the initials incoterms mean:

What do the initials FCA mean: FREE CARRIER
What do the initials CFR mean: COST AND FREIGHT

43
It is a law regarding the settlement of general average: York-Antwerp Rules.
They are vessels that navigate through rivers, lakes, lagoons, reservoirs, etc.: interior
They are vessels that navigate through coastlines and shores: cabotage.
They navigate through international waters: deep sea

GUIDE OF VOTER ID B
BUSINESS RISKS OF PROPERTY INSURANCE (BRPI)

CIVIL LIABILITY

1. According to the general liability policy, from the following list select 3 responsibilities that
they are excluded but can be covered by express agreement:

Liability for willful damages

2. Damage to property in the possession of the insured by commodatum
3. Damage to others due to salary inconsistency
Responsibilities that are attributable to other people
5. Responsibilities under the Federal Labor Law
6. Responsibility for damages during the processing of goods for third parties

• 2, 3, 5
• 1, 4, 6
• 1, 3, 5
• 2, 4, 6

2. Identify 3 responsibilities that can be contracted additionally in the particular conditions.

of liability insurance for the industry.

44
 Derivative of the use of lathes that cause damage
For the products manufactured and sold that cause injuries.
3. For damage to soils due to accidental contamination
4. For events outside the country, in promotions
5. Due to the fall of neon signs
6. Caused by the use of machinery for unloading

• 4, 5, 6
• 2, 3, 4
• 1, 3, 6
• 2, 4, 5

What document must an insured person present for the company to initiate the procedure?
Claim for a damage not less than caused by a third party?

• Original policy
• Against the demand of the insured
• Payment receipt of the premium with paid stamp
• Demand with acknowledgment of receipt

4. Identify 3 additional responsibilities that can be covered by the particular conditions of

civil liability for a business:

Derivative of the use of the soccer field for the staff

For the annual food for their workers
3. For the damages caused by their workers while performing tasks
4. For the sale of fireworks
5. As a result of damage to customers' cars
6. For incorporating third-party products into the merchandise sold

• 2, 4, 5
• 4, 5, 6
• 1, 3, 6
• 1, 2, 3

5. What damages are covered by the additional liability coverage for loading or unloading within the
civil liability in commerce?

• To the supplier drivers

• To foreign land vehicles
• To the merchandise that is loaded
• To outsiders who pass through the loading or unloading areas

6. What is the law that requires compensating for the damage caused to a third party in their property or person and in the
What is civil liability insurance based on?

• Civil code
• Law on the insurance contract
• Federal Labor Law
• Social Security Law

45
7. From the following list, choose 3 important pieces of information that must be reported to the insurer in the insurance of
civil liability for pharmaceutical laboratories.

Who prepares the formulas

2. Personnel with pharmaceutical experience
3. Sale of products different from the company
4. Risks in product mixing
5. If you store or sell explosive materials
If free sale is made over the counter

• 2, 4, 5
• 2, 3, 5
• 1, 3, 6
• 1, 4, 6

8. From the following list, choose 3 expenses that the insurance company is obligated to compensate according to the
general liability insurance policy

Judicial bond premiums

Bail to obtain freedom
3. Attorney fees
4. Fines
5. Costs for judicial resolutions

• 1, 2, 3
• 2, 4, 5
• 1, 3, 5
• 2, 4, 5

9. In liability insurance, the appraisal clause states that:

• The insurance company will have the right to require the insured or beneficiary to provide all information.
about the facts related to the incident
• The fact that the insurer participates in the assessment of the damage will not deprive it of the exceptions that
can oppose
• If either party refuses to appoint their expert or if they did not reach an agreement on the
valuation of damages must be carried out by experts
• The agreement that prohibits the parties from involving experts in the assessment of damage will be null and void.

10. It is the definition of civil liability assumed:

• Tripartite responsibility accepted by the insurer with the insured and a third company
• Liability of others that the insured accepts by agreement or contract
• Own responsibility that the insured accepts by agreement or contract
• Responsibility for air accidents with the insured by agreement or contract

11. What value will be compensated for the total loss of a property belonging to a third party affected by the insurance?
of civil liability?

• Accountant
• Of replenishment
• Commercial

46
 • Real

12. A criminal offense is when the public sanction establishes a punishment and the compensation for the damage while
the civil offense generates the obligation to:

• Pay with prison

• Work for society
• Repair the damage
• Apologize

13. Who does the company indemnify when a person who can be proven to have attempted suicide is
run over by the insured:

• Ala Insurer
• To the insured
• To the third injured person
• To no one

14. Identify 3 specific conditions or modalities of general liability insurance:

Commerce
2. Industry
3. Passenger Transport
4. Bars and restaurants
5. Schools and universities
6. Financial institutions

• 1, 4, 5
• 3, 4, 5
• 2, 5, 6
• 1, 2, 3

15. From the following list, identify 3 additional coverages for hotel liability:

Car parking
2. Food service
3. Responsibility of personnel
4. Reception of money and valuables
5. Supplementary services
6. Luggage and guests' belongings

• 1, 4, 6
• 2, 3, 5
• 4, 5, 6
• 1, 2, 3

16. A person has been selling their product for 3 years and wishes to acquire liability insurance.
In which type of contract will you obtain better coverage if you want to cover the products?
sold prior to the start of the validity of the insurance?
• Current

47
 • Civil liability products
• Claims Made
• Civil liability abroad

17. Who does the company indemnify when a person who cannot be proven to have attempted suicide?
is run over by the insured?

• To the insured
• To the relatives of the injured
• The third injured person
• To no one

18. What responsibility is excluded but can be contracted by express agreement in the conditions.
particulars of Civil Liability for the Industry?

• Damages arising from the use of elevators

• Damage to property by staff in industrial kitchens
• Convention held by the sales staff
• Damage from explosions in rented buildings

19. In the Liability Insurance, the Insurer agrees to pay for the damages that the insured...
to third parties and he must respond legally, in accordance with:
• The Civil Codes
• The Federal Labor Law
• The Social Security Law
• The Penal Codes

20. In the Liability Insurance, when should the notice of the claim be reported to the
Insurance company?
• Within a maximum of five working days
• When the incident occurs
• Within a period of 30 calendar days
• As soon as the insured's compensation is required

21. A preschool wishes to purchase liability insurance, it has students and staff.
Teacher. The annual amount of tuition is $3,600,000. The total area of the school is 400.
square meters.
To quote the Insurance, select the option that describes the basis for the quote that should be used:

• The total number of square meters (contribution basis square meters)

• The amount of tuition fees before taxes (base of contribution annual income obtained)
• The total number of teaching staff (contribution base for people)
• The amount of tuition fees minus the income (contribution base sales)

22. From the following list, choose the two additional Liability coverages that correspond to
a supermarket, taking into account its business type:

Loading and unloading

2. Wardrobe
3. Garage or parking

48
 4. Damages abroad
5. Finished products and jobs

• 1, 5
• 4, 5
• 2, 3
• 2, 4

23. According to the General Liability policy, how will the insurance company pay the
compensation for multiple claims that were caused by the same reason?

• Until the third claim

• All as one sinister
• All as independent sinister
• Only the first complaint

24. From the following list, select four conditions that are considered particular and complementary to the
General Civil Liability

Private and family

2. Products
Environmental Pollution
4. Trade
5. Repair workshops, parking lots, vehicle storage or garage
6. Builders
7. Independent contractors

• 2, 3, 5, 7
• 2, 4, 6, 7
• 1, 3, 6, 7
• 1, 4, 5, 6

25. From the following list, identify three additional coverages to Liability for the Industry:

1. Elevators
2. Environmental pollution
3. Railroad spurs
4. For explosives
5. Advertisements
Assumed

• 2, 3, 6
• 1, 3, 5
• 1, 4, 5
• 2, 4, 6

26. De la siguiente lista, elija 3 coberturas de Responsabilidad Civil que se manejan como obligatorias en
different economically active people.

49
 From the traveler
2. Products
3. Workshops
4. Hospitality
5. From the builder
Assumed
7. For errors and omissions of insurance agents legal entities

• 1, 4, 7
• 2, 3, 5
• 1, 2, 3
• 2, 4, 6

A hotel located on the coast of Guerrero has liability insurance with coverage.
basic activities and properties. In addition to basic services, it offers its guests: center
nocturnal, banquets, laundry of garments, custody of valuables and jewelry, parking, rental of
motorless vehicles. From the following list, choose 3 additional coverages you need to cover all
the services it offers:
Reception of money and values
2. Wardrobe
3. Loading and unloading
4. Garage or car parking
5. Washing and ironing
6. Hospitality products

• 2, 3, 6
• 1, 3, 5
• 2, 4, 6
• 1, 4, 5

28. The reduction of the assets that a third party suffers when a person causes harm to one of them.
properties and does not repair it, is known as:
• Moral damage
• Harm
• Injury
• Material damage

29. The demand in Civil Liability is sufficient and necessary for the incidents:
• Of friendly composition
• Of greater amount
• Of unknown amounts
• Occurred but not reported

30. A car paint exporter is going to renew their Liability Insurance for
second time, although he has been shipping his products to the United States for 5 years. In the
packaging reads the label that the paint is guaranteed for 3 years. So far it has not
I have had no news that any damage has been caused by your product.
Choose the option that provides the best way to secure your civil liability coverage.
the possible claims you may have for products sold during the last two years.
• Coverage of activities and properties, products-damage abroad with the Claims modality
Made

50
 • Basic coverage, environmental pollution, assumed
• Coverage of activities and properties and finished products and works
• Industrial civil liability with additional product coverage - union and mixing with modality
occurrent

31. If an electronic device of a neighbor, with an age of three years, is damaged by our insured,
What amount does the insurer compensate through the liability insurance?

• Real
• Of replenishment
• Invoice
• Accountant

32. Identify the factors that a judge will consider to determine the compensation that should be awarded.
to pay a harmed third party, for the concept of psychological damage caused by an injury, in accordance with
Civil Code of the D. F., and in federal matters within Liability Insurance.

• The degree of culpability of the person who caused the damage and their financial solvency
• 25% of the amount of the compensation for bodily injuries and medical expenses
• The lawful profit that was not received due to the damage and the rehabilitation expenses.
• The unexcusable guilt of the victim and their financial situation

33. When do the actions derived from an insurance contract prescribe?

• In one year, counting from the date on which the company was notified
• In two years, counting from the date of the event that gave rise to them.
• In two years, counting from when the insurance agent became aware of the event.
• In three years, starting from the date of the event that gave rise to them.

34. The complaint letter in Liability Insurance is sufficient and necessary for the incidents:

• Of greater amount
• In litigation
• Of unknown amounts
• Of lesser amount

35. Indicate three responsibilities not covered by General Liability Insurance:

Use of private planes

2. Loss of legal profits of the insured due to direct damage
3. The derivatives by labor demands
4. Those caused by employees on strike from the insured
5. Incidents occurring outside the country
6. Damage to property received for repair

• ["1","4","5"]

• 2, 3, 6
• 2, 5, 6
• 1, 3, 4

36. Responsibilities Covered in the Traveler's Liability Insurance Policy:

51
 • Damage to third parties' property with the insured vehicle
• Damage to third parties to vehicle occupants in their person
• Damages to third parties to occupants in their person and their personal effects

37.-Within the liability insurance, identify what a third party could claim in addition to the
repair of the damage suffered by the vehicle, as I used it as a work tool, since it is
traveling agent?

• Market loss
• Transport expenses
• Harm
• Moral damage

38.- From the following list, choose 3 important pieces of information that must be reported to the insurer in the insurance of
civil liability for pharmaceutical laboratories:

1. Who makes the formulas

2. Personnel with pharmaceutical experience
3. Sale of products different from the company
4. Risk in product mixing
5. If explosives are stored or sold
6. If a counter sale is made

• 1, 4,6
• 1, 3, 6
• 2, 4, 5
• 2, 3, 5

39.- In liability insurance, the appraisal clause states that:

• The agreement that prohibits the parties from appointing experts for the assessment of damages shall be null and void.
• The fact that the insurer participates in the damage assessment will not deprive it of the exceptions that
can put
• If either party refuses to appoint their expert or if they do not reach an agreement on the valuation
The assessment of damages must be carried out by experts.
• The insurance company will have the right to demand from the insured or beneficiary all the information.
about the events related to the incident

40.- What is the law that requires compensation for damage caused to a third party in their property or person and in the
What is civil liability insurance based on?

• Law on the Insurance Contract

• Social Security Law
• Federal Labor Law
• Civil Code

41.- What risks are covered by tenant liability insurance?

• Water and explosion damage

• Earthquake or fire

52
• Fire or explosion
• Debris removal

42.- Identify 3 basic responsibilities in the specific terms of liability insurance.

civil for hospitality

1. For damage to the guest's clothing during the laundry service

For theft of values deposited in the administration
Cafeterias
4. swimming pools
5. Gyms
6. For the disappearance of suitcases inside the room

• 3,4,5
• 2,5,6
• 1, 4, 6
• 1,2,3

43.- From the following list, choose 3 expenses that the company is obligated to compensate according to the policy.
civil liability

Legal finance premiums

2. Finances for obtaining freedom
3. Lawyer fees
4. Fines
5. Costs for judicial resolutions

• 2,4,5
• 1,3,5
• 1,2,3
• 2,4,5

44.- According to the civil code, how is subjective responsibility defined?

R.- The culpable or subjective responsibility (that is, the one derived from the subject), is incurred by one who...
acting illegally or against good customs, as well as through the exercise of a right, causes harm
to a third party, having the obligation to repair said damage.

45.- According to the civil code, how is civil liability defined — objective or of created risk?
R.- It is that derived from the object, in which one incurs who, using apparatus mechanisms or
hazardous substances by themselves, by the speed they develop, by their explosive nature or
inflammable, due to the current energy they conduct or for other analogous reasons, as well as by the
property, possession, maintenance or use of real estate, causes damage to another, shall have the obligation to
fix it.

46.- Who is considered a 'Third Party' in General Liability insurance?

To any natural or legal person who does not have labor relations or economic dependency with the
insured, nor did I live permanently with him.

47.- What is understood by harm?

R.- The loss of legitimate profit due to the damage suffered.

53
30.- In Cargo Transport Insurance, if the claim is not presented to the carrier in a timely manner,
the insured's rights to compensation with the Insurer may be affected. Indicate why
Can the insurer be relieved of its obligations?

• Why is the subrogation of rights affected?

• Because it is an additional uncovered risk.
• Because there was intent to deceive
• Because the risk worsens

31.- A Mexican importer is informed that his merchandise is damaged at the port of Manzanillo.
Select 3 actions from the following list that you must take to maintain your right to compensation.
before the Insurer in the Freight Transport Insurance:

1. Contact the accident commissioner or competent authority

2. File a complaint in writing to your customs agent
3. Complain in writing to the carrier
4. Present a written notice of loss or damage to the Insurer

• 1, 2, 4
• 1, 3, 4
• 2, 3, 4
• 1, 2, 3

32.- What is understood by general average or gross average?

R.- They are the damages suffered by the ship or the cargo, or both things, as a result of the acts that are
deliberately take actions to save the vessel from any known and effective risk.

33.- Under what provisions is maritime insurance governed?

R. - It is governed by the provisions of the Mexican commercial code, the law of navigation and maritime commerce
and international treaties.

34.- What does particular damage mean?

It is any loss or extraordinary expense that affects solely and exclusively the damaged thing due to a cause.
a fortuitous external accident and as such, unforeseen and inevitable.

35.- What is meant by the stay of transported goods?

It is the time that goods stored in warehouses, docks, platforms, or other places last,
waiting for its shipment or reshipment to its destination.

36.- What additional coverage can only be granted for goods traveling on deck, when
the port authorities allow it, in maritime transits?
R.- The coverage of sweeping or dragging of the overlay by the waves.

37.- How can the risk of contact with other cargoes affect the merchandise?
R.- Due to changes in: Color, taste, smell, and appearance.

38.- What does the risk of breakage cover?

R.- It covers material damages or losses of property due to breakage or cracking, excluding scratches.
dents and chips.

39.- What is understood by maximum limit per shipment?

42
Civil Liability Depositary.
Civil Responsibility Pollution.
Civil Liability Damage abroad.
Civil Liability Dry cleaners.
Civil Responsibility Parking and workshops.

59.- Mention the different policies or packages that are handled under liability insurance.
General.
R.- Private and Family Civil Liability.
Civil Liability for Commerce.
Civil Liability for Constructions.
Civil Liability for the Hospitality Industry.
Civil Liability for the Industry.

60.- Which policy covers damages from accidents occurring to a guest of the insured, within a
summer house?
In Private and Family Civil Liability.

61.- In which policy are the damages resulting from welding work that cause fire covered?
explosion, as long as the work has been carried out by experienced and trained personnel in techniques of
welding?
R.- In Civil Liability for Constructions.

62.- In which policy are damages arising from manufacturing, storage, and use covered?
explosive materials?
R.- In Civil Liability for Industry.

63.- Which policy covers the damages derived from the insured's participation in fairs and exhibitions?
within the Mexican Republic?
R.- In Civil Liability for Commerce.

64.- In which policy are the damages or disappearance of luggage and items covered?
establishment?
R.- In Civil Liability for Hospitality.

65.- What are the absolute exclusions?

R.- Damage caused by the use of vehicles.
Damages caused with intent, bad faith, or gross negligence of the insured.
Damages suffered by the insured or persons not considered as third parties.
Damage caused by inconsistency, sinking or settlement of the soil or subsoil, or by insufficiency
consolidation works, to prevent the loss of necessary support to the soil or subsoil of properties
neighbors.
Damages arising from acts of war, revolution, rebellion, riots, strikes or by order of authorities
in fact or by law.

GUIDE OF VOTER ID B
BUSINESS RISKS OF PROPERTY INSURANCE (BRPI)

55
VARIOUS MISCELLANEOUS

1. Indicate the example that describes assault coverage:

• Deceiving or scamming trusted personnel
• Threatening the insured with a gun in a public place
• Lose some property without knowing where
• Physical and/or moral damage to the insured inside the premises, forcing him to hand over his belongings.

2.- Who establishes the insured sum in the robbery with violence policy?
• The insured based on the tables prepared by the insurer
• The insurer
• The insurance agent based on tables prepared by the insurer
• The insured

3.- From the following list, choose 3 coverages by express agreement for the money and valuables insurance.
Losses resulting from theft without violence
2. Robbery with violence in vaults
3. Robbery with violence when the insured does not have a safe.
Robbery with violence and/or assault aboard collection trucks
5. Popular looting during strikes or riots
6. Robbery with violence and/or assault on board delivery trucks.

• 3, 4, 6
• 2, 3, 4
• 1, 2, 3
• ["1","5","6"]

4.- They are risks covered by the money and/or valuables insurance outside the insured, EXCEPT:
• Robbery with violence or assault when the goods are in the possession of individuals
• People responsible for their management
• Damage suffered by goods in transit
• Loss

5.- What amount will the insurer compensate in the merchandise theft insurance in accordance with the
following data:
Suma asegurada: $150,000
Real value in its contents: $300,000
Amount of the claim: $50,000
The deductible is 10% of the insured amount.
• $45,000.00
• $35,000.00
• $17,500.00
• $20,000.00

6.- In the insurance policy for luminous signs, the losses or material damage caused to the goods
insured for repairs, improvements and/or painting of the sign are risks:
• Covered by express agreement
• Automatically covered
• Excluded permanently
• Excluded if affected by people who are not employees of the insurance

7.- Exclusions from the money and/or securities insurance, EXCEPT:

56
 • Robbery provoked by the incapacity of the bearer
• Robotics without violence
• Fraud or breach of trust
• Weather phenomena

8.- In the personal belongings insurance, how are the insured goods covered that are located
deposited in bank safety deposit boxes?
• Asegurados por el banco
• Automatically
• By express agreement
• Excluded

9.- What type of compensation in various miscellaneous insurance is referred to in the following description
the company compensates up to the limit of the insured amount, without considering the total value of the goods
• Comprehensive insurance
• Replacement value insurance
• Named peril insurance
• First risk insurance

10.- The way to contract personal belongings insurance is to:

• Real value
• Named risks
• Any risk
• First risk

11.- The way to contract the money and/or valuables insurance is done at:
• Inside and outside the offices
• Unique and combined limit
• Real value
• First grade

12.- Indicate the risks excluded from the money and/or valuables insurance:
• Theft as a result of fire or explosion of the vehicle carrying the goods
• Assault on the people responsible for handling money inside and outside the establishment
• Expropriation or confiscation, seizure or detention by authorities
• Robbery with violence and assault inside the secured premises

13.- It is the basic coverage of merchandise theft insurance:

• Robbery with violence and/or assault
• The robbery carried out by individuals dependent on the insured
• Loss
• Robot without violence

14.- An exclusion from the violence theft policy is:

• Assault
• Contents in residential dwelling
• Theft of jewelry and art objects
• Robbery committed by dependents of the insured

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15.- The assault is defined as:
• It is the use of armed force during office hours.
• It is the use of armed force outside of office hours.
• It is the use of physical or moral force over people inside the premises.
• It is the use of physical or moral force on people outside the premises.

16.- In theft insurance, when losses occur inside a property, without leaving visible signs of
violence in the area through which penetration occurred (disappearance) is covered:
• Only under agreement
• In the additional coverage
• Yes
• No

17.- In case of an incident, identify 3 documents necessary to process a covered claim.

a policy for Theft with Violence and/or Assault of Goods:
Articles of Incorporation of the company
2. Purchase-sale notes or shipping documents or invoices/appraisals
3. Description of the incident
4. Property tax receipt
5. Minutes of the corresponding authorities
6. Claim or lawsuit from a third party

• 2, 3, 5
• 1, 4, 6
• 1, 5, 6
• 2, 3, 4

18.- In the Theft Insurance, the act where losses or damages occur due to the use of violence from
from the exterior to the interior of the property, leaving visible signs of such violence in the place where it was breached, it
refers to a:
• Robbery with violence
• Violent cattle rustling
• Robbery by assault
• Embargo with violence

19.- Indicate what is covered under the basic glass coverage:

• The gradual deterioration or wear
• Accidental breakage when removing the glass
• Damages from accidental breakage of glass
• Accidental breakage while painting or maintaining the premises

20.- Mention how gold and silver bars can be insured:

• Under express agreement
• By endorsement
• For additional coverage
• Within the basic coverage

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21.- What amount will the insurer compensate, taking into account the following concepts:
Insured sum: $50,000 as L.U.C. (Single and combined limit)
Claim Amount $15,000
The deductible is 20% of the insured amount.
• $12,000
• $10,000
• $5,000
• $15,000

22.- They are goods covered by personal belongings insurance, EXCEPT:

• Contact lenses
• Camera
• Fishing equipment
• Decorative objects, gold coins

23.- What characteristics must crystals have to be insured?

• Stained glass and moons
• Fixed and from 4 mm thick
• Mobile crystals less than 4 mm thick
• Only fine glassware

24.- The insured amount of the personal belongings insurance is set at:
• List price value
• Real value
• Commercial value
• Invoice amount

25.- In which insurance can the concept of 'first risk' be applied?

• Robbery with violence and assault
• Civil responsibility
• Automobiles
• Earthquake and/or volcanic eruption

26.- Indicate the method of contracting Glass Insurance:

• For named risks
• All risk
• Replacement value
• At first risk

27.- What deductible does the Insurance Company apply in the following claim?
Insured amount: $20,000
Damages due to accidental breakage: $2,000
Deductible: 5% with a minimum of 3 days of minimum wage in Mexico City.
(Minimum wage $50.00 daily)

• $100.00
• $150.00
• $850.00
• $1,000.00

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28.- Indicate an example of goods that are covered under the Glass Insurance by express agreement:
• Glass decoration
• Installation of crystals
• Cleaning of the windows
• Stained glass design

29.- Identify three risks covered by the neon sign policy:

• Fire, explosion and total theft
• Atmospheric humidity, explosion, transfer of the announcement
• Mechanical failures, short circuit and fire
• Corrosion, reassembly and repair

30.- During working hours, an act of insurrection occurs with robbery and vandalism, causing the
suspension of personal guarantees, would the loss be covered under the merchandise theft policy?
• All damages are paid until the insured amount is exhausted.
• The claim is rejected, as it is an excluded act.
• The claim proceeds as it is a covered act.
• Only first risk is paid

31.- The deductible that is usually applied in Glass Breakage Insurance is:
• 5% of the value of the loss with a minimum payment of 3 days of the minimum wage
• 5% of the insured amount with a minimum payment of 3 days of the minimum wage
• 10% of the value of the damage with a minimum payment of 3 days of the minimum wage
• 20% of the commercial value

32.- It is the amount paid by the insured once and covers the entire duration of the insurance in the case of policies.
multi-year
• Level one
• Annual bonus
• Only prime
• Rate surcharge

33.- From the following list, choose 3 risks that can be covered by express agreement in the Insurance of
glasses:

Property repairs
2. Secured glass maintenance
3. Vandalism acts
4. Superficial decorations
5. Surface defects
6. Fraud or bad faith of the insured

• 1, 5, 6
• 2, 3, 6
• 1, 2, 4
• 3, 4, 5

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34- In the theft with violence and assault of merchandise insurance, the following coverage is part of the
basic protection:
• Robbery, assault or attempt, causing material damages to movable property
• Robbery without violence when the goods are of recent acquisition
• Robbery or assault involving individuals for whom the insured is civilly liable.
• Robbery or assault caused by the insured's beneficiaries

35.- Risks excluded COVERED by the merchandise theft insurance, EXCEPT:

• Robbery with violence
• Robbery carried out by strikers
• Damages caused due to attempted robbery or assault
• Assault

36.- In a robbery with violence involving raw materials or household items, under what form of compensation is
I would pay for the loss:
• The book value
• Replacement value
• At first risk
• In a proportional manner
• The real value

37.- The illuminated signs of a commercial establishment are damaged due to faulty installation, how do they
does it cover the loss?
• As it is an excluded risk, the loss is not covered.
• Due to being a low-risk express agreement, the claim proceeds.
• The company covers 80% of the replacement value
• As it is a risk covered by the basic coverage, the claim is paid.

38.- What goods are insurable within paragraph 2 of merchandise theft?

• Raw materials and products
• Household utensils
• Furniture and office equipment
• Art items valued at over 500 days of S. M. V. D. F.

39.- The way to determine the insured sum in the merchandise theft insurance is at:
• Real value
• Named risks
• Replacement value
• First risk

40.- In which coverage of the Money and/or Valuables Insurance is the theft of goods covered due to overturning?
vehicle that transports them?
• Carrier vehicle accident
• Limited coverage of the carrying vehicle
• Broad coverage of the carrying vehicle
• Ordinary risks of transporting goods and values

41.- All are excluded risks in the Bright Advertising Insurance, EXCEPT:

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 • Market loss, civil liability, scratches
• Repairs, improvements and/or painting of the sign
• Aesthetic defects, war, pre-existing failures
• Wear, corrosion, mechanical failures

42.- Indicate the assets covered by the glass breakage insurance:

• All the crystals that are fixed in the property with a thickness of less than 4 mm
• All or part of the crystals of the property, whether they are installed or not
• All the windows of a house, except for panes, display cases, cabinets, countertops, etc.
• It is possible to cover all or part of the glass of a property with a thickness of 4 mm like
minimum

43.- Robbery with violence is defined as:

• The use of violence from the outside to the inside, leaving visible signs.
• The use of moral force over people inside the premises
• The use of physical force on material goods
• The use of violence from the inside to the outside leaving visible signs

44.- What is the basic coverage in merchandise theft insurance?

The loss of insured property due to robbery with violence.
b.- The material damages suffered by movable and immovable property caused by theft or attempted theft.
same.

45.- What is the additional coverage in merchandise theft insurance?

R.- The loss of property due to assault, through the use of moral or physical violence against the
people.

46.- Define what robbery with violence is.

It is when there are evident signs of violence from outside to inside the premises, where they are located.
the goods.

47.- Give the definition of local.

R. - The word local includes only the interior part of the designated building, occupied exclusively by
the insured in connection with their business.

48.- What goods are covered in the policy for theft with violence of merchandise?
R.- Furniture, accessories, and equipment owned and necessary for the insured's business, merchandise that is
found in the premises occupied by the insured, owned by them or held in deposit, guarantee,
office furniture, raw materials, work in progress.

49.- To grant the merchandise theft insurance, is it necessary for the insured to keep accounting records?
R.- Yes.

50.- When does theft insurance operate proportionally?

R. - When the insured amount is less than the minimum sum required for it to operate at first risk, and in
As a result, the company will compensate proportionally.

51.- On what basis are the risks classified in merchandise theft insurance?
They are classified according to the type of business corresponding to the insured asset, determining which group it belongs to.

52.- What is the purpose of risk classification?

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To request a minimum sum insured, and for the insurance to operate on a first risk basis, determining the
the same time the cost of the insurance.

53.- Assets that cannot be covered.

R.- Goods that are in display cases, showcases without communication with the interior of the establishment, goods in
vestibules, hallways, common entries.

54.- Mention what risks are not covered in the merchandise theft insurance.
R.- 1.- Theft in which persons for whom the insured is civilly liable intervened.
2.- Theft caused by the beneficiaries or heirs of the insured.
3.- Losses directly caused by strikers or people participating in stoppages.
4.- Losses arising from the theft of titles, obligations or documents of any kind, stamps
postcards or tax forms, coins checks.

55.- Mention which risks are covered within the premises in the money and valuables insurance.
Robbery with violence, robbery by assault or attempted assault using physical or moral violence,
fire or explosion while the property is in safes, cash registers, or vaults.

56.- Indicate which risks are covered outside the premises, in the money and valuables insurance.
Robbery by assault, loss or theft due to the physical incapacity of the bearer, as well as by accident.
of the carrier vehicle.

57.- Indicate the risks excluded in this money and valuables insurance.
R.-
• For loss or damage, if the insured does not keep proper accounting records for their business.
to accurately determine the amount of loss or damage.
• Por cualquier acto fraudulento o de abuso de confianza cometido por el asegurado, sus
employees, partners or staff, whether acting independently or in accordance with others.
When the insured goods are not contained in a properly secured safe or vault
closed, as long as the establishment remains closed to the public, except when the loss is to
consequence of assault.
• For loss or damage occurring to money and valuables that, at the time of the loss, are present
at other addresses different from those established in this policy.
• For losses directly caused by strikers or by people taking part in riots.
of a working-class character, riots, public disturbances or vandalism, during the execution of such
acts.
• For losses directly caused by looting that occurs during or after the
occurrence of any meteorological or seismic phenomenon that triggers the commission of such an act in
harm to the insured.
• For loss as a result of non-violent theft, loss, or mysterious disappearance.

58.- In the event of a cash and valuables loss, how is the company's liability determined?
It is determined by considering the actual cash value of those assets at the conclusion of the transactions.
business on the day of the loss and if this is not possible to determine, then the responsibility of the
the company will not exceed the actual cash value that the mentioned values have on the immediate day
prior to the date of the incident.

59.- Mention the items covered by personal belongings insurance.

R.- Personal use items and effects such as: Professional Music Instruments, Photography Equipment and
Cinematographic, electric and electronic, jewelry and furs.

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60.- Mention the items not covered by personal belongings insurance.
R.- The loss or damage to titles, collections of postage stamps and coins, bonds or documents of
any kind of jewelry and precious metals, tax stamps, checks, promissory notes, accounting books and
other commerce books, as well as any kind of collection.

61.- What risks are excluded in personal belongings insurance?

R.-
• Damage caused by moths, rodents, gradual deterioration, wear, or scratching from normal use.
• Damage or deterioration to any insured object, caused directly by some process of
cleaning, repair or renovation.
• Breakage of watch glass, dents or interior damage to them.
• Breach of trust or infidelity by persons who are legally dependent on the insured.
• Violation of any law, provision, or regulation, whether international, federal, state, or local.

62.- What are the options to cover the insured's property outside the home, in the insurance of
personal belongings?
Inside the Republic of Mexico, the United States, and Canada.

63.- What requirements are specified in personal belongings insurance to proceed with the payment of claims?
R.- Having the invoices or appraisals, in addition to having attached to the policy a signed list of the
insured goods, specifying the value of each item.

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 GUIDE OF BALLOT B
BUSINESS RISKS OF DAMAGE INSURANCE (BRDI)

VARIOUS TECHNICIANS

1.- In a factory during the assembly of a punching machine, a short circuit occurs.
a collision with a high voltage cable, resulting in a fire that damaged the machine.
This damage within the installation insurance is considered to be caused by a risk:

• Automatic coverage
• Additional
• By express agreement
• Excluido

2.- In this type of machinery breakdown insurance policy, the insured must request and maintain
during the validity of the policy as the insured sum which is equivalent to:

• Commercial value
• Replacement value
• Real value
• Estimated value

3.- In electronic equipment insurance, there are 3 sections, select which ones are:

• Section I All risks electronic equipment, II additional networks, III Loss of utility due to damage to
electronic equipment
• Sección I Equipo electrónico a primer riesgo, II Equipos móviles y/o portátiles, III terremoto y/o
volcanic eruption
• Sección I Todo daño al equipo electrónico, II Robo sin violencia, III periodo de indemnización
• Sección I Daños materiales, II portadores externos de datos, III incremento en el costo de operación
foreign

4.- Choose 3 exclusions that correspond to machinery breakdown:

Earthquake
2. Fire
3. Incompetence
4. Assembly
5. Debris removal
6. Foreign bodies

• 1, 2, 5
• 1, 3, 5
• 3, 4, 6
• 2, 4, 6

5.- The notification of the claim to the insurer in the electronic equipment insurance must be accompanied by the
next document:

• Simple letter
• Letter from the public ministry in case of theft or fire

65
 • Certified letter
• Letter with the logo of the insured

6.- How is the insured amount determined for electronic equipment, section II 'external carriers of
data?
• With the necessary amount to replace them, including the costs to re-record the information.
• With the same as determined for section I material damages of the electronic equipment.
• With the amount that needs to be disbursed over 12 months
• With the amount required to rent a similar piece of equipment

7.- In machinery breakdown insurance, who will bear the costs of any repairs?
provisional?
• Of the insured
• From the insurer
• Of the reinsurer
• One part of the insured and the other of the insurer

8.- In the contractors' equipment policy, what is the deadline for the insured to notify the company of a
sinister?
• 3 days
• 7 days
• 10 days
• 5 days

9.- When a loss occurs in a boiler, what elements are considered for compensating it as a loss?
total in the boiler insurance?
• Real value of the boiler minus the salvage
• Necessary expenses to make the assets operable
• Acquisition value of a new asset and the cost of assembly
• Replacement value of the same minus depreciation

10.- They are items excluded in machinery breakdown insurance:

• Transformers, cranes, agricultural tractors
• Punches, rollers, turbo generators, presses
• Compressors, cranes, turbo generators
• Steel chains and cables, molds, transmission bands

11.- In electronic equipment insurance, how are damages caused by short circuit, high voltage considered?
voltage and insulation scorching, in the insured goods?

• Excluded in section I
• Excluded in section II
• Covered only by express agreement of section I
• Protected by the basic coverage of section I

12.- In the contractor's equipment insurance, there are excluded items. Identify 2 of those items in the
next list:
Water-working equipment
2. Leveling equipment
3. Equipment for compaction
4. Drilling equipment

66
 • 2, 4
• 1, 3
• 1, 4
• 2, 3

13.- Risks of the basic coverage of contractor equipment insurance:

• Explosion, landslides, strikes, freezing
• Hurricane, fire, collision, flood, mudslide
• ["deterioration","fall","collision","flood","wear"]
• ["fire","collapse","infidelity","tornado","gale"]

14- Indicate from the following list, 3 items that are covered in a basic manner in the Installation Insurance:
Residential houses
2. Machinery
Bridges
4. Tunnels
5. Calderas
6. Industrial installations

• 1, 4, 6
• 2, 5, 6
• 2, 3, 4
• 1, 3, 5

15.- In the machinery breakdown insurance, choose the factor that is not considered important for its
subscription
• Antiquity
• Tour
• Physical state
• Accumulated depreciation

16.- From the following list, indicate the 3 sections of electronic equipment insurance:
All risk fire
2. Material damages
3. First Risk Fire
4. External data carriers
5. Increase in operating costs
6. Consequential losses

• 1, 2, 3
• 1, 4, 6
• 2, 4, 5
• 3, 5, 6

17- How are the damages caused by short circuit, high voltage, and insulation burnout considered?
on the insured goods?
• Excluded in section II
• Supported only by explicit agreement in section I
• Excluded in section I
• Protected by the basic coverage of section I

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18.- For the subscription of businesses in the Contractors' Equipment Insurance, choose 3 from the following list.
important factors to consider:
Accumulated depreciation
2. Giro
3. Physical state
4. Operator Experience
5. Earthquake zone
Antiquity

• [1,3,4]
• 2, 4, 5
• 2, 3, 6
• 1, 5, 6

19.- Within the machinery breakdown insurance, if a claim occurs on a machine, it would be repaired.
provisionally for it to continue operating, what will be the company's responsibility regarding that
repair?
• Will only be liable for the original damages until the final repair.
• The company will pay half of the provisional repair and the full amount of the new repair.
• The company will be responsible for all possible damages by applying a higher co-insurance.
• Is released from any liability for damages

20.- Choose 3 goods that can be covered by the Installation Insurance:

Cranes
2. Floating equipment
3. Electrical or mechanical equipment
4. Temporary offices and warehouses
5. Beams and steel constructions
6. Complete industrial plants

• 3, 5, 6
• 1, 4, 6
• 1, 2, 3
• 2, 4, 5

21.- Choose three types of machinery covered by the contractor's equipment policy:

Laptops
2. Fix
3. Switches
Towed
5. Self-propelled

• 1, 3, 4
• 2, 3, 5

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 • 2, 4, 5
• 1, 2, 3

22.- What characteristics must the Civil Works Contractors Insurance (basic coverage) have?
object to be supported?
• Large dimensions
• Being a piece of industrial furniture
• Being furniture for residential or commercial use
• Being property

23.- The insured sum of the main work in the civil works contractors' insurance must correspond to:
• The real value plus inflation to be calculated at the start of the project.
• The estimated value of the set of materials and labor costs
• The value it will have once the construction is completely finished
• The value derived from all invoices for materials, rentals, etc.

24.- In the machinery breakdown insurance, what value of insured sum is set in the policy?
• At replacement value
• The estimated value
• The commercial value
• The real value

25.- In the boiler and pressure vessel policy, what value of insured sum is covered?
those objects?
• At the value of depreciation
• The real value
• At replacement value
• A value invoice

26.- It is an additional coverage of the installation insurance:

• Errors during assembly
• Damage originating from the manufacturing of the equipment
• Short circuit
• Falling parts of the mounted object

27.- In a public restroom, the boiler suffers damage from unburned gas inside the furnace, this damage, does it
what coverage do they support?
• Content Coverage
• Pipe coverage
• Basic coverage
• Additional coverage

28.- From the following list, identify 3 non-insurable goods under the basic coverage of boilers and equipment.
subjects to pressure:
Coal pulverizers
Gas ducts
3. Compressors
4. Supply pipe

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 5. Safety disks
Injectors

• 1, 3, 5
• 4, 5, 6
• 2, 3, 4
• 1, 2, 6

29.- To the natural or legal person who contractually assumes before the contractor or main entrepreneur, the
commitment to carry out certain parts or installations of the work, in accordance with the project for which
its execution is governed, it is referred to as:
• Subcontractor
• Owner
• Financial
• Contractor

30.- From the following list, identify 2 excluded goods in the Machinery Breakdown Insurance:
Cables
Submersible pumps
3. Mobile machines
4. Chains

• 2, 4
• 1, 4
• 2, 3
• 1, 3

31.- What is an excluded item in the Installation Insurance?

• Electronic equipment
• Floating equipment
• Dismantling and reassembly of beams and steel structures
• Complete industrial plants

32.- One of the following documents is not required by the insurer for the claims process.
in the Civil Works Contractors Insurance:
• Building permits
• List of damages caused by the incident
• All plans, catalogs, invoices, receipts or proof
• Carta certificada

33.- In a thermoelectric plant, the installation of a steam turbine is going to be carried out. In the installation insurance,
Who would be considered the insured if the manufacturer delivered the turbine in perfect condition and extends
letter releasing you from any further damages?
• The government, as the owner of the thermal power plant
• The seller of the equipment or turbine
• The manager of the thermoelectric plant
• The company responsible for the assembly

34.- Exclusions from the Boiler and Pressure Vessel Insurance:

• Fire, strikes, electromechanical failures
• Violent and sudden deformation, pipe rupture, extraordinary wages
• Extraordinary expenses, sudden deformation, sudden explosion

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 • Sudden rupture, burn, cracking

35.- In the Electronic Equipment Insurance, how are losses or damages to equipment that occurred considered?
Do they operate underground, in water, in the air, or in aircraft?
• Covered risks
• Excluded risks
• Risks covered by express agreement
• Risks conditioned on an inspection

36.- From the following list, choose 3 parts of the machinery not covered by the breakage insurance.
machinery
Transformer oil
b. Refrigerants
c. Mercury of rectifiers of current
d. Fuels
e. Catalysts

• a, c, e
• c, d, e
• a, b, c
• b, d, e

38.- From the following list, identify the 3 concepts that comprise a total loss in coverage.
calderas:
Real value
2. Replacement value
3. Deductible
Deductible and/or participation
5. Participation due to loss
Less rescue

• 2, 3, 4
• 1, 3, 6
• [1,2,5]
• 4, 5, 6

39.- From the following list, select 2 risks excluded in the contractors' civil works insurance (All risks
of contractors):
Nuclear energy
2. Earthquake
3. Mechanical damages
4. Theft

• 2, 4
• 1, 3
• 1, 4
• 2, 3

40.-From the following list of (goods) coverages, choose the 4 that correspond to the Breakage Insurance.
machinery
Transformers
2. Air storage tanks

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 3. Switches
4. Thresher
5. Caldera
6. Battery Chargers
7. Turbines

• 2, 4, 5, 7
• 1, 3, 6, 7
• 1, 2, 3, 5
• 3, 4, 6, 7
• 1, 2, 5, 7*

41.- If the validity of the policy (for one year) proves insufficient to cover the duration of the assembly, it may be
extender la vigencia cobrando:
• A pro rata fee or premium for the days of the following year elapsed
• An additional pro-rata fee or premium considering a renewal discount.
• An additional monthly fee or premium pro rata to the initial fee
• An additional monthly fee or premium but not prorated from the initial fee.

42- In the contractors' civil works insurance, partial loss is determined as:
• The percentage of loss regarding the degree of progress by the value of the completed work
• The percentage of loss in relation to the degree of progress of the work minus the deductible
• The percentage of progress based on the value of the completed work
• The percentage of loss in relation to the value of the completed work minus the deductible

43.- When does the liability of the insurer begin in contractor civil works insurance?

• On the date when the last construction materials are unloaded at the site and all the
teams
• On the date when the first construction materials or any of the equipment are requested.
to the supplier
• On the date when the first construction materials are unloaded on the property or any
of the teams
• On the date when the first construction works begin

44.- From the following list, choose the 4 characteristics that make up the Sum Insured in section III
Increase in operating costs
The goods at invoice value
2. The daily cost for using foreign equipment
3. Assets at replacement value
4. Daily transportation expenses
5. 12 months of compensation period
6. Bonuses for own employees
7. Salaries of own and external employees

• 2, 4, 5, 7
• 1, 3, 6, 7
• 3, 4, 5, 6
• 1, 2, 5, 7

45.- They are absolute exclusions from the contractor's equipment insurance:

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 • Theft of complete units, mechanical failure and infidelity
• Acts of authority, wear and tear, landslides and mudslides
• Hurricane, theft of complete units, infidelity and wear
• Wear, military operations and freezing

46.- Identify from the following list, 3 concepts that are covered in the Insured Amount at replacement value.
in the assembly insurance:
Plans or sketches of the machinery or equipment
2. Taxes
3. Setup costs
4. Feasibility Studies
5. Freight and customs duties
6. Per Diem
• 2, 3, 5
• 1, 4, 5
• 1, 2, 4
• 3, 4, 5

47.- In a sausage factory, there is a team that works under pressure and whose liquids are not heated.
directly from gases resulting from combustion. This equipment is considered as:
• A pressure vessel with a stove
• A pressure vessel without a stove
• An internal combustion engine
• A boiler

48.- From the following list, identify the 3 concepts that comprise a partial loss of content, in
boiler insurance:
Replacement value
2. Real value
3. Stipulated value
Participation
5. Commercial value
Deductible

• 1, 4, 6
• 1, 2, 3
• 2, 3, 6
• 3, 4, 5

49.- In the installation insurance, the trial period for equipment or machinery is covered in:
• The basic coverage
• It is excluded, but it can be covered by express agreement.
• Additional coverage
• He is definitively excluded

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50.- The notice of loss to the insurer for Electronic Equipment Insurance must be accompanied by the
next document:
• Simple letter
• Certified letter
• Letter with the logo of the insured
• Letter from the Public Prosecutor's Office in case of fire or theft

51.- Are the railways in the Contractor's civil engineering insurance considered roads?
• No
• If
• It depends on the proximity to the developments.
• It depends on the proximity to the borders.

52.- From the following list, indicate the three sections of the boiler and pressure vessel policy:
Material damage to boilers and pressure vessels due to stove
2. Extraordinary expenses
3. Damage to compressors
4. Material damage to pressure vessels without a furnace
5. Internal combustion engines

• 1, 3, 5
• 1, 3, 4
• 2, 4, 5
• 1, 2, 4

53.- The pipelines for the transport of pressurized fluids (pipes lines) within the Civil Works Insurance
contractors take refuge:
• In an additional coverage
• It is a definitive exclusion
• In the basic coverage
• It is an exclusion that can be covered under agreement

54.- From the following list, choose the 4 documents that an insured person must submit in case of a claim:
Plans
2. Tax declaration
3. Receipts
4. CURP of the insured
5. Invoices
6. Minutes

• 2, 4, 5, 6
• 1, 4, 5, 6
• 1, 3, 5, 6
• 1, 2, 3, 4

55.- One of the following documents is not required by the insurer for the claims process.
in the installation insurance
• Certified copy of the actions of the Public Prosecutor's Office in the case of theft
• All plans, catalogs, invoices, receipts or vouchers

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 • List of damages caused by the disaster
• Income statement

56.- From the following list, select the 4 items not covered by the machinery breakdown policy.
Machinery
2. Pipes
3. Fuels
4. Transmission bands
5. Self-propelled machines
6. Refrigerants
7. Steel cables
Compressors

• 3, 4, 6, 7
• 2, 4, 5, 7
• 2, 4, 5, 8
• 1, 3, 6, 8

57.- The insured has a power plant under a shed on their premises and it is damaged by
the temporary coverage of the ground by water, caused by the accidental breakage of the cistern. These damages
the insurer pays in the coverage:
• Basic
• Of flooding
• Of consequential damages
• Of hurricane and hail

58.- When does the validity of the civil construction insurance begin?
• On the date when the first construction materials or any of the equipment is requested
to the supplier
• On the date when the last construction materials are unloaded at the site and all the
teams
• On the date when the first construction materials or any are unloaded on the property
from the teams
• On the date when the first construction works begin

59.- Choose a basic coverage of the assembly insurance

• Extra-contractual civil liability managed as a single combined limit
• Incompetence, neglect and individual sabotage
• Covers damages occurring during a strike or riot
• Damage caused directly by earthquake, tremor, and volcanic eruption

60.- Basic risks in Machinery Breakdown Insurance:

• Frost, wear, deterioration, market loss
• Removal of debris, fire, aesthetic defects, reduction of expenses
• Inexperience, negligence, workmanship defect, incorrect assembly
• Terremoto, huracán, temblor, inundación

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61.- Relate the columns, choosing the covered and excluded goods in the equipment insurance.
contratistas.
TYPES OF GOODS

Covered goods
2. Excluded goods

ASSETS

a. Dynamos
b. Excavators
c. Underground equipment
d. Levelers
e. Exciters

• 1 e, c; 2 b, a, d
• 1 b, d; 2 a, c, e
• 1 b, c, e; 2 a, d
• 1 a, b, e; 2 c, d

62.- When is a partial loss considered in the installation insurance?

• When the percentage of loss equals 50% of the insured asset
• When the percentage of loss is less than 50% of the insured asset.
• When the percentage of loss is less than or equal to 55% of the insured property
• When the percentage of loss is less than or equal to 60% of the insured asset

63.- From the following list of risks that can be covered by express agreement, choose 3 that
correspond to the team of contractors

Damage to property due to being in operation underground

2. Extraordinary expenses
3. Damage caused by overload
4. Damages caused by freezing of the refrigerant medium
5. Damage due to total or partial immersion in water
6. Losses caused directly by the actions of strikers

• 1, 3, 6
• 2, 4, 5
• 1, 2, 6
• 3, 4, 5

64.- What is the deadline for the insured to report a claim to the company?
• Within the next 5 calendar days
• Notify it immediately or within the next 5 business days.
• Within 4 days from the occurrence of the incident
• Notify it immediately or within the next 10 business days

65.- En la póliza de equipo electrónico sección I daños materiales ¿Cuál es el valor que el asegurado debe
maintain during the validity of the insurance so that the deductible proportion clause is not applied?
• Real of the goods
• Of the replacement of goods
• Team agreement

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 • Commercial of each team

66.- How is the insured amount established in contractor equipment insurance?

• Invoice value plus taxes
• Commercial or banking appraisal
• Real value
• Replacement value

67.- In the electronics equipment insurance policy, when talking about lighting and navigation installations in
vessels for inland navigation in high seas or coastwise, we refer to goods:
• Insurable
• Not insurable
• Excluded
• Protected by express agreement

68.- What assets can be insured under the machinery breakdown policy?
R.- All machinery and equipment that is properly installed and functioning.

69.- What risks does the machinery breakdown policy cover?

It covers the material damages directly caused to the machinery by its breakage or that of its parts.
accidentally, suddenly and unexpectedly, which makes the repair or replacement of part of it necessary.
Inexperience, neglect or sabotage, damage caused by electricity, design errors, defects of
construction, workmanship defects and incorrect assembly, breakage due to centrifugal force, bodies
strangers that get into the machinery.

70.- Mention which parts are not insurable in the machinery breakdown policy.
R.- Fuels, lubricants, refrigerants, and other operating means, excluding the oil in
transformers and switches and mercury in current rectifiers.
Transmission belts of all kinds, chains and steel cables, rubber bands, mobile equipment springs,
changing tools, felts, welded machinery, patched or temporarily repaired. Machinery
used for agriculture.

71.- Anote cuales son las obligaciones del asegurado en la póliza de rotura de maquinaria.
R.- Maintain the insured goods in good condition and working order.
Do not overload them, nor use them for work for which they were not built.
Adhere to the instructions and operation of the insured goods according to the instructions of the
manufacturer.

72.- In Machinery Breakdown, define what physical explosion coverage is.

The damages caused by an imbalance between the internal and external pressure of the container are covered.
consequence of gas escapes, vapors, and liquid spills from a container: including damage to
interior of the engine crankcase (No chemical explosions).

73.- In Machinery Breakdown define what risks are covered by centrifugal force coverage.
It covers the damages caused by the rotating parts of machinery, and due to the speed that
they develop and detach -causing losses to the machine itself.

74.- What are the insurable assets in the machinery installation policy?

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R.-
• Steel construction with or without mechanical equipment and electrical.
• All kinds of machinery.
• Complete installations of industrial plants.
• Installation of individual machines.

75.- What is the purpose of the machinery installation policy?

R.- To shelter the machinery during its assembly process, which can also be extended to construction.
necessary for the assembly of the machinery and as long as its cost is less than 50% of the total value.

76.- What is the basic coverage in machinery installation insurance?

R.-
• Errors during assembly
• Incompetence, negligence or individual sabotage
• Falling parts of the mounted object
• Robbery with violence or destruction of property.
• Fire, Lightning, Explosion.
• Short circuit and voltaic arcs.
• Fall of airplanes or parts of them.
• Other accidents during assembly or during operation and resistance tests.
• Land sinking.
• Frost and hail.
• Damage to other property of the insured.

76.- What additional coverages can be purchased in machinery installation insurance, and which ones are there?
to assign insured amounts separately?
R.-
Responsabilidad civil extracontractual por daños a terceros en sus bienes y lo en sus personas.
Expenses for disassembly and debris removal.

77. What are the excluded goods in the machinery installation policy?
R.- Equipment and tools, auxiliary machinery, temporary cranes, vehicles of all kinds, offices and
provisional warehouses, property belonging to employees or workers, money, valuables, and documents.

78.- What risks are excluded from the machinery installation insurance?
R.-
Intentional acts or serious fault of the insured or their representative responsible for the arrangement.
War.
Nuclear explosions.
Corrosion, collapses, incrustations, and scratches.
Damages suffered during the transportation of goods to the assembly site

79.- When does the validity of the machinery installation policy start and when does it end?
The insurance begins at the moment when the goods, or part of them, are unloaded at the site.
assembly continues during the activities of the work and ends, for new objects: upon concluding the test
of resistance or the operational trial period (maximum four weeks); for used objects
immediately upon the start of the resistance or operation testing period.

80.- What are the bases for compensation in the machinery installation policy?
R.
• In new machinery.

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 Replacement value of the machinery including the cost of freight and assembly, as well as the
customs rights if any.

• In used machinery.
Purchase-sale value, plus the cost of freight and assembly as well as customs duties if any.

81.- What is meant by a contractor team?

R.- Any machinery and equipment used in the execution of a construction project.

83.- Mention at least four equipment used in construction.

R.- Mobile equipment such as graders, drilling bulldozers, cranes, excavators, rollers.
Fixed equipment such as mixers, conveyors, fixed cranes.
Diesel generators, compressors, pumps, welding groups, control equipment, jacks.

84.- What are the risks covered under the contractor's equipment policy?
R.-
• Fire. Explosion.
• Hurricane, cyclone and tornado, gale and hail. Flood.
• Earthquake, landslide, overturning or falling of internal combustion or electric machines, if they have
as expressly specified, as well as jamming.
• Robbery of a whole unit or several complete units, but not of its useful parts or accessories, unless
that it be as a result of total theft.
• Material damages caused by collapse and/or landslides.

85.- What are the excluded risks in contractor equipment insurance?

R.-
• Overloading of machines beyond their capacity.
• War, confiscation, requisition.
• Use, wear or gradual deterioration.
• Nuclear reaction or radioactive contamination.
• Goods placed underground and above and below water.

87.- What risks can be covered under an express agreement?

R.-
• Damage or losses caused by strikers.
• Losses or damages to property due to being parked or in operation over or under water or
earth.

88.- Name assets that can be insured under the electronic equipment policy.
R.-
• Computer facilities.
• Computers for industrial processes.
• Mini computers.
• Telephone exchanges.
• Telephone switchboards.
• Radio and television facilities.
• X-ray and ultrasound equipment.
• Tomographs.
• Dental equipment.
• Electron microscopes

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89.- What are the basic coverages in electronic equipment insurance?
R.-
• Fire.
• Lightning.
• Explosion.
• Impairment.
• Malicious damage.
• Short circuit.
• Smoke.
• Manufacturing defects.
• Hail.
• Robbery with violence.
• Gases or liquid.
• Corrosive powders.
• Drowning.
• Ground subsidence.
• Landslide.
• Frosts.
• Management errors.
• Flooding, action of water and humidity.

90. - In the electronic equipment insurance, what are the additional coverages?
R.-
• Earthquake.
• Cyclone.
• Hurricane.
• Strikes and Vandalism. Overtime hours. Air freight.
• Robots without violence.
• Portable equipment outside the premises.

91.- How many and which sections are there in the coverage of equipment insurance?
electronic?
R.- In 3 sections.
1a. Daños materiales. 2a. Pérdida de información. 3a. Gastos extras.

92.- Mention some of the exclusions of electronic equipment insurance.

R.-
• War.
• Confiscation.
• Nuclear radiation.
• Looting after a hurricane or earthquake.
• Wear.
• Maintenance.
• Damage to rented equipment.
• Existing faults.

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 • Consequential losses.
• Loss of information due to magnetic fields.

93.- How is the sum insured for electronic equipment insurance determined?
At replacement value.

94.- What assets are covered by boiler and pressure equipment insurance?
R.- Those who normally work under pressure or vacuum, such as: Smoke tube boilers or
water tubes, pressure vessels with and without burner, auxiliary equipment, reactors, tanks of
storage, autoclaves.

95.- What is a boiler?

R.- It is a closed container in which water or another liquid is heated or converted into vapor.
from heat generated -by any fuel or electricity.

96.- What is a pressure vessel?

It is one that normally works under pressure or vacuum, but is not directly heated by fire.
or with gases resulting from combustion.

97.- What is the auxiliary equipment that is secured as a structural part of the boiler?
R.- Fuel burners, grills, economizers, air preheaters, panels and equipment
of control and injectors.

98.- What are the risks covered in boilers?

• Sudden, violent, and instantaneous rupture or deformation and cracking of equipment and pipes
assistants.
• Sudden and violent rupture due to vapor pressure or any liquid.
• Sudden gas explosion due to unburned fuel in the furnace or ducts.
• Deformations due to water or steam pressure.
• Cracking of any part.
• Burn due to lack of water, steam or another fluid.
99.- What are the additional coverages in the boiler policy?
R.- Extraordinary expenses, contents and pipes.

100.- What parts and equipment are not insurable under the boiler policy?
R.-
• Chimneys that are not supported by the structure of the boilers.
• Safety disks, rupture diaphragms, fuse plugs, and gaskets.
• Induced or forced draft fans.
• Fuel feeder conveyors.
• Water or fuel feeder pumps.
• Coal pulverizers.
• Non-metallic containers or equipment.

101.- Mention four exclusions from the boiler policy.

R.
• Fire.
• External explosion to the boiler or pressure vessel.
• Risks of strikes and popular uprisings, risks of war, atomic energy, nuclear reaction or
radioactive pollution.
• Leaks, gradual deformations, construction imperfections, damage due to wear from
use, scratches, corrosion, oxidation or deposits.

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 • Fraud, bad faith or gross negligence of the insured.
• Subject the device to pressure higher than the maximum specified.
• Provisional repairs.
• Loss of utility, lack of heat, light or power, loss of use and any other damage
consequential.
• Damages for which the manufacturer of the device is legally or contractually responsible.
• Structural or design changes, changes in auxiliary equipment, use of a fuel
different from the specified.
• Falling of chimneys that are not directly supported by the boiler structure.

102.- How is the insured amount established in the boiler policy?

It should be set at replacement value and with the possibility of updating it quarterly.

103.- What requirement is essential to provide boiler insurance?

That there is an operating permit from the Ministry of Labor and Social Welfare.

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