Train-E Factory Escape

To escape the Train-E-Factory you must successfully evaluate the risks. Are you ready? Click 'Start' to begin!

Train-e-FACTORYESCAPE

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THE MISSION

Jamie, Jenny, and Heidi have asked you to visit the Train-E-Factory located nearby. This account has a history of unusual coverage requests and it's high time we got to the bottom of it. Little did you know, Michelle Insured is in on the plot and now there is only one way out. To escape the Traine-E facilities, you must prove the validity of the coverage requests by answering questions as you evaluate the Factory complex.

THE base

Alarms are going off all over the facility. Click on the map to troubleshoot the issue.

You are Underwriting Professional Liability and Cyber coverage for a technology company that sells hardware and also offers consulting and implementation services. How should you rate the Professional Liability component?

The insured's annual revenues generated through services

The insured's annual gross profit generated through services

QUESTION 1/3

Which of the following is not a components of an insurance rate?

Risk based adjustment

Operating expenses & profit

QUESTION 2/3

What are the Zurich proprietary Property Forms?

Edge & Premium Portfolio Protection

Property Portfolio Protection & Edge II

QUESTION 3/3

THE base

Gosh, look at those wires, how doe they train their employees?

Inadequate lighting

Lack of sprinklering

Radius of operations

Which of the options is a common premises hazard for General Liability?

QUESTION 1/3

To protect insureds from aggressive and unconstitutional guidelines by their insurers.

To ensure safe and healthful working conditions for workers by setting and enforcing standards.

To mediate disputes among employees, their employers, and insurance companies.

Why was OSHA created?

QUESTION 2/3

Critical, important, and advisory

Advisory, important, follow up

Critical, advisory, follow-up

What are the various levels of the Risk Improvement Action that may be included in the Risk Engineering report?

QUESTION 3/3

the base

The administrive offices. Train-E has been requesting some FI coverages...

Workers compensation claims

Dishonesty of employees

Product liability losses

Fidelity bonds are surety bonds issued to protect an employer from financial or property losses due to which of the following?

QUESTION 1/3

Have there been recent changes in the customer’s operations and if so, why?

What does the customer do and what products and services do they sell?

Has the customer submitted a request to Zurich previously and been declined?

Which of the following is NOT an important question to consider as you evaluate the operations of a customer or prospective customer during the risk assessment phase of underwriting?

QUESTION 2/3

Construction type, quality of the training and protection class

Age of the property, quality of the maintenance and controls on special hazards

Location, age of the property and quality of the maintenance

What three elements of a risk's desirability are not reflected in the base rate?

QUESTION 3/3

the base

This is a twist...take a turn of the wheel!

Are vehicles serviced where they are garaged or at a different location

How and where the vehicles are stored over night

How often routine maintenance is done to vehicles

Where the vehicles are garaged and the concentration of values

When conducting a Commercial Auto exposure analysis, what information do you need regarding the vehicle’s garage?

QUESTION 1/3

The Obligee

The Insured

The Broker

The Insurer

In a surety relationship, who receives the benefit of the bond?

QUESTION 2/3

Construction

Protection

Occupancy

Exposure

Which element of COPE deals with having a sprinkler system?

QUESTION 3/3

the base

FThis appears to be a loading dock or garage! Is that a way out?

Property losses tend to be less frequent, however, more severe

Property tends to have a high frequency of losses

Property past losses are usually a credible predictor of future losses

Property losses are more frequent and severe as a result of Natural Catastrophes.

Which statement is true regarding property losses?

QUESTION 1/3

Contract Price

Estimated Warranty Costs

Billings To-date

Estimated Cost to Complete

A Work-in-Process Schedule provides information on completed and in-progress contracts and includes all of the following EXCEPT which item?

QUESTION 2/3

quality of the safety training program

if there is an overabundance of combustibles on hand in the factory area

A building's construction type

The quality of a building's risk management program

Which is an example of a rating objective chararacteristic?

QUESTION 3/3

Mission Complete

You've validated all Train-E Factory Coverage Requests!

START OVER?

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MISSION FAILED

Oh no! You were not able to validate all of Traine-E's coverages. Luckily Michelle Insured passed you a key that sets you free!

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