AU 61 Questions with CORRECT Answers
Question:
Which one of the following construction features of the insured building increases the
required separation distance from the exposing building?
Answer:
Windows.
Question:
Which one of the following statements is true regarding the cost-benefit analysis of a
risk control program?
Answer:
A project can be economically feasible only if the benefits exceed the costs.
Question:
A preaction sprinkler system works by:
Answer:
Combining elements of wet and dry sprinkler systems.
Question:
Which one of the following is true regarding office occupancies?
Answer:
A primary ignition source affecting office occupancies is faulty or malfunctioning wiring.
Question:
A florist in a strip shopping center sustained significant damage from a fire caused by a
neighboring pizza shop's deep fryer. The fire spread to the florist before the fire
department could arrive. During the underwriting process for the florist's property
insurance, this risk would most likely have been considered by the underwriter under
which one of the following COPE elements?
Answer:
External exposure.
,Question:
Which one of the following statements is true regarding the flammable range of a
mixture?
Answer:
Combustion occurs most efficiently at or near the middle of the flammable range.
Question:
The most prudent assumption for an underwriter when estimating the probable
maximum loss for business income is to assume that a loss will occur at which one of
the following times for an organization?
Answer:
During the organization's peak season.
Question:
Verifying the values of property exposed to a loss is an essential part of commercial
property underwriting. For example, if the property values shown on a commercial
property submission are higher than the property's actual value, then:
Answer:
The insured will pay for unnecessary coverage.
Question:
Underwriters can make recommendations to insureds for simple risk control measures
to manage riot, civil commotion, and terrorism loss exposures. To lessen the potential
severity of these type losses, underwriters can:
Answer:
Look for signs that the insured premises are resistant to these causes of loss.
Question:
In mercantile occupancies, the combustibility of the contents varies, depending
primarily on the:
Answer:
Merchandise being sold.
,Question:
An industrial operation that produces significant dust has an increased exposure for
which one of the following types of explosions that is common in most industrial
explosions at a rate slower than the speed of sound?
Answer:
Deflagration.
Question:
Personal property values are easier to determine than real property values. However,
when the values of personal property are difficult to resolve, which one of the following
is almost always required?
Answer:
An outside appraisal.
Question:
Which one of the following statements regarding common types of flood is correct?
Answer:
Man-made topographic changes can cause floods.
Question:
The terrain of the land contributes significantly to the spread of wildfire. Wildfires spread
more rapidly in terrains with which one of the following?
Answer:
Steep slopes.
Question:
An underwriter should be familiar with different types of occupancies and the risks they
present to properly evaluate them for property insurance. In particular, underwriters
should be familiar with the wide variety of occupancies in the largest and fastest
growing segment of most Western economies, which is:
Answer:
Service industry occupancies.
, Question:
For full protection of sensitive electrical devices, including data processing equipment
and electrical motors, which one of the following precautions should generally be taken?
Answer:
The addition of interior surge protectors.
Question:
For commercial property insurance, the fire loss exposure for habitational occupancies
can be significant. Therefore, a property underwriter should be aware of the leading
cause of habitational occupancy fires, which is:
Answer:
Cooking equipment.
Question:
While traveling on an interstate highway, Julia Carson noticed a large plume of smoke in
what appeared to be an isolated area. Julia pulled off at the next exit and called 911 to
reach a single emergency response center that dispatched local fire services to the
area. Which one of the following elements did Julia use?
Answer:
Fire detection.
Question:
Of the following types of property, which one would be of the most concern to an
underwriter as it relates to potential hail damage?
Answer:
Historic buildings with copper or tin roofing.
Question:
Which one of the following types of detectors responds to the presence of smoke
particles in the air and sounds an alarm when smoke in the air scatters light onto a
light-sensitive element?
Answer:
Photoelectric cell smoke detector.
Question:
Which one of the following construction features of the insured building increases the
required separation distance from the exposing building?
Answer:
Windows.
Question:
Which one of the following statements is true regarding the cost-benefit analysis of a
risk control program?
Answer:
A project can be economically feasible only if the benefits exceed the costs.
Question:
A preaction sprinkler system works by:
Answer:
Combining elements of wet and dry sprinkler systems.
Question:
Which one of the following is true regarding office occupancies?
Answer:
A primary ignition source affecting office occupancies is faulty or malfunctioning wiring.
Question:
A florist in a strip shopping center sustained significant damage from a fire caused by a
neighboring pizza shop's deep fryer. The fire spread to the florist before the fire
department could arrive. During the underwriting process for the florist's property
insurance, this risk would most likely have been considered by the underwriter under
which one of the following COPE elements?
Answer:
External exposure.
,Question:
Which one of the following statements is true regarding the flammable range of a
mixture?
Answer:
Combustion occurs most efficiently at or near the middle of the flammable range.
Question:
The most prudent assumption for an underwriter when estimating the probable
maximum loss for business income is to assume that a loss will occur at which one of
the following times for an organization?
Answer:
During the organization's peak season.
Question:
Verifying the values of property exposed to a loss is an essential part of commercial
property underwriting. For example, if the property values shown on a commercial
property submission are higher than the property's actual value, then:
Answer:
The insured will pay for unnecessary coverage.
Question:
Underwriters can make recommendations to insureds for simple risk control measures
to manage riot, civil commotion, and terrorism loss exposures. To lessen the potential
severity of these type losses, underwriters can:
Answer:
Look for signs that the insured premises are resistant to these causes of loss.
Question:
In mercantile occupancies, the combustibility of the contents varies, depending
primarily on the:
Answer:
Merchandise being sold.
,Question:
An industrial operation that produces significant dust has an increased exposure for
which one of the following types of explosions that is common in most industrial
explosions at a rate slower than the speed of sound?
Answer:
Deflagration.
Question:
Personal property values are easier to determine than real property values. However,
when the values of personal property are difficult to resolve, which one of the following
is almost always required?
Answer:
An outside appraisal.
Question:
Which one of the following statements regarding common types of flood is correct?
Answer:
Man-made topographic changes can cause floods.
Question:
The terrain of the land contributes significantly to the spread of wildfire. Wildfires spread
more rapidly in terrains with which one of the following?
Answer:
Steep slopes.
Question:
An underwriter should be familiar with different types of occupancies and the risks they
present to properly evaluate them for property insurance. In particular, underwriters
should be familiar with the wide variety of occupancies in the largest and fastest
growing segment of most Western economies, which is:
Answer:
Service industry occupancies.
, Question:
For full protection of sensitive electrical devices, including data processing equipment
and electrical motors, which one of the following precautions should generally be taken?
Answer:
The addition of interior surge protectors.
Question:
For commercial property insurance, the fire loss exposure for habitational occupancies
can be significant. Therefore, a property underwriter should be aware of the leading
cause of habitational occupancy fires, which is:
Answer:
Cooking equipment.
Question:
While traveling on an interstate highway, Julia Carson noticed a large plume of smoke in
what appeared to be an isolated area. Julia pulled off at the next exit and called 911 to
reach a single emergency response center that dispatched local fire services to the
area. Which one of the following elements did Julia use?
Answer:
Fire detection.
Question:
Of the following types of property, which one would be of the most concern to an
underwriter as it relates to potential hail damage?
Answer:
Historic buildings with copper or tin roofing.
Question:
Which one of the following types of detectors responds to the presence of smoke
particles in the air and sounds an alarm when smoke in the air scatters light onto a
light-sensitive element?
Answer:
Photoelectric cell smoke detector.
