Some common liability risks include:

Question 16 options:

1)	driving a car.

2)	Entertaining guests at home.

3)	being careless in performing professional duties.

4)	all of the above

5)	none of the above

Question 17 (0.5 points)

Which of the following types of plans pay for some medical costs even when the insured decides to go out of the provider network (without a referral) for services?

Question 17 options:

1)

HMO

2)

IPA

3)

PPO

4)

POS

5)

c and d

Question 18 (0.5 points)

Which of the following best describes the personal articles floater?

Question 18 options:

1)	An endorsement providing coverage for items of expensive personal property not adequately covered under the standard homeowners policy.

2)	An addition to the automobile policy intended to cover items of personal property that are often in or upon a covered automobile.

3)	A specialized inland marine policy covering boats and trailers used with boats.

4)	A liability policy that covers against liability caused by ownership or use of items of personal property.

5)	None of the above.

Question 19 (0.5 points)

Which of the following best describes a custodial care facility?

Question 19 options:

1)	A place that combines apartment-style living with prepared meals, housekeeping, and personal care services.

2)	A place that provides regular assistance with such activities as transferring someone from a bed to a chair, or helping them take a bath or get dressed.

3)	A place with licensed medical professionals that assist residents regularly with medically necessary care.

4)	A place that provides regular assistance with chronic health conditions that are acute in nature.

5)	Custodial care is best provided in a hospital where surgical facilities are always available.

Question 20 (0.5 points)

Sam visits Dean at his ranch. Although a novice on horseback, Sam decides to join Dean in a morning ride. Dean recommends that Sam ride an unbroken stallion named Crowley. While mounting Crowley, Sam is thrown headlong through the windshield of Sam's car. The damage to the car is $2,000 and Sam's own insurance pays him $1,500 ($500 deductible). Under what principle could Sam's insurance company sue Dean for his negligence?

Question 20 options:

1)

Adhesion

2)

Indemnity

3)

Estoppel

4)	Subrogation

5)	Misrepresentation

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