Expert Answers to IIC Exam RIBO-Level-1 Questions

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RIBO Insurance Broker RIBO Level 1 Entry-Level Broker Exam

RIBO Level 1 Entry-Level Broker Exam

Last Update Mar 25, 2026
Total Questions : 115

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Questions 2

Which of the following statements is TRUE about the O.A.P. 1 Owner's Policy optional coverage "OPCF 44R-Family Protection Coverage?

Options:

It will protect the insured for injuries received as a pedestrian when the driver of a vehicle which causes the injuries does not carry sufficient insurance.

It is automatically included under Section 4-Accident Benefits of the policy.

It is not available to commercial vehicles because injuries received by passengers in such vehicles are covered under Worker's Compensation legislation.

It pays for benefits to insured's passengers who are under-insured in the amount of any accident and sickness insurance they carry on themselves.

Discussion 0

Questions 3

A client advises that raccoons have been nesting in the attic and have caused significant damage. What coverage is provided under a homeowners policy for this situation?

Options:

As the damage occurred over a period of time, multiple deductibles will apply.

Damage is covered subject to the deductible.

Damage by raccoons is not covered unless damage has been done to building glass.

Damage is covered and no deductible applies.

Discussion 0

Questions 4

What is NOT an example of Equipment Breakdown for a commercial policy?

Options:

A thermostat failure in a commercial freezer.

An engine for a generator is suddenly deemed inoperable.

Smoke Alarms working intermittently due to a known faulty wiring issue.

Electrical damage to a conveyor system as a result of a power surge.

Discussion 0

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Questions 5

What is NOT a duty of the RIBO Qualification and Registration (Q&R) Committee?

Options:

To determine the eligibility of applicants for certificates or renewals.

To refuse to issue certificates and renewals to non-eligible applicants.

To maintain one or more registers for certificates and renewals.

To report candidates to Disciplinary Committees.

Discussion 0

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