Train-E Factory Escape

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Train-e-FACTORY ESCAPE

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

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 MISSION

THE base

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

QUESTION 1/3

The insured's annual gross profit generated through services

The insured's annual revenues generated through services

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?

QUESTION 2/3

Operating expenses & profit

Risk based adjustment

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

QUESTION 3/3

Property Portfolio Protection & Edge II

Edge & Premium Portfolio Protection

What are the Zurich proprietary Property Forms?

THE base

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

QUESTION 1/3

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

Radius of operations

Lack of sprinklering

Inadequate lighting

QUESTION 2/3

Why was OSHA created?

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

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

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

QUESTION 3/3

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

Critical, advisory, follow-up

Advisory, important, follow up

Critical, important, and advisory

the base

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

QUESTION 1/3

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

Product liability losses

Dishonesty of employees

Workers compensation claims

QUESTION 2/3

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?

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

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

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

QUESTION 3/3

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

Location, age of the property and quality of the maintenance

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

Construction type, quality of the training and protection class

the base

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

QUESTION 1/3

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

Where the vehicles are garaged and the concentration of values

How often routine maintenance is done to vehicles

How and where the vehicles are stored over night

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

QUESTION 2/3

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

The Insurer

The Broker

The Insured

The Obligee

QUESTION 3/3

Which element of COPE deals with having a sprinkler system?

Exposure

Occupancy

Protection

Construction

the base

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

QUESTION 1/3

Which statement is true regarding property losses?

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

Property past losses are usually a credible predictor of future losses

Property tends to have a high frequency of losses

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

QUESTION 2/3

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

Estimated Cost to Complete

Billings To-date

Estimated Warranty Costs

Contract Price

QUESTION 3/3

Which is an example of a rating objective chararacteristic?

The quality of a building's risk management program

A building's construction type

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

quality of the safety training program

START OVER?

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

Mission Complete

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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!

MISSION FAILED