CPCU 520- Meeting Challenges Across Insurance
Operations
Exam 2025/2026 Questions with 100% Detailed Answers
Already Graded A+
Michael owns a house in Vermont. Because he enjoys
technology and frequently travels for his job, he has
installed a number of wi-fi enabled devices with remote
access. The devices provide both increased comfort and
loss prevention/reduction benefits. Which one of the
following is a loss prevention benefit of his wi-fi enabled
thermostat with remote access?
Select one:
A. Helps avoid frozen pipes
B. Helps reduce utility expenses
,C. Deters vandals and thieves
D. Keeps home at a comfortable temperature - ANSWER-
A. Helps avoid frozen pipes
Underwriter Joe is reviewing a homeowners application. A
picture of the house was submitted along with the
application. The photo shows a large decayed tree next to
the house. Joe is concerned that the tree could fall and
cause damage to the house during a windstorm. Joe has
decided to decline the risk due to which one of the
following hazards?
Select one:
A. Morale
B. Moral
, C. Legal
D. Physical - ANSWER-D. Physical
In some states, the courts have ruled that injuries
sustained as a result of drive-by shootings are covered
under the victim's personal auto policy. This is an example
of a
Select one:
A. Physical hazard.
B. Legal hazard.
C. Morale hazard.
D. Moral hazard. - ANSWER-B. Legal hazard.
Operations
Exam 2025/2026 Questions with 100% Detailed Answers
Already Graded A+
Michael owns a house in Vermont. Because he enjoys
technology and frequently travels for his job, he has
installed a number of wi-fi enabled devices with remote
access. The devices provide both increased comfort and
loss prevention/reduction benefits. Which one of the
following is a loss prevention benefit of his wi-fi enabled
thermostat with remote access?
Select one:
A. Helps avoid frozen pipes
B. Helps reduce utility expenses
,C. Deters vandals and thieves
D. Keeps home at a comfortable temperature - ANSWER-
A. Helps avoid frozen pipes
Underwriter Joe is reviewing a homeowners application. A
picture of the house was submitted along with the
application. The photo shows a large decayed tree next to
the house. Joe is concerned that the tree could fall and
cause damage to the house during a windstorm. Joe has
decided to decline the risk due to which one of the
following hazards?
Select one:
A. Morale
B. Moral
, C. Legal
D. Physical - ANSWER-D. Physical
In some states, the courts have ruled that injuries
sustained as a result of drive-by shootings are covered
under the victim's personal auto policy. This is an example
of a
Select one:
A. Physical hazard.
B. Legal hazard.
C. Morale hazard.
D. Moral hazard. - ANSWER-B. Legal hazard.
