The correct answer is D. D & B reports . D & B, formerly Dun & Bradstreet, provides business information reports that can help a broker evaluate a commercial prospect before approaching markets or recommending an insurance program. These reports may include details about company principals, ownership, business activities, products and services, financial strength, credit history, payment trends, corporate structure, years in business, and sometimes public-record information. This is valuable because commercial insurance underwriting is not only about physical property values; it also considers management quality, financial stability, operational scope, and business reputation. A prospect’s website can provide useful marketing and operational information, but it is controlled by the prospect and may not contain independent financial data. Best’s Underwriting Guide is used for underwriting guidance and classification information, not prospect-specific financial and ownership details. A property appraisal focuses on values and physical property, not principals or financial background. The strongest source for the combination of principals, products, services, and financial data is a D & B report. Course topic reference: Analyzing Risk Exposures; Commercial Prospect Research; Financial Information; Business Background Reports .

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The correct answer is B. The application must include information about the construction of the parking garage . A wrap-up liability policy is commonly used for construction projects to provide liability coverage for multiple project participants under one controlled insurance program. For a condominium development, the insurer must understand the full scope of construction, including any high-risk project components. Parking garages are significant because they may involve excavation, structural concrete, ramps, columns, load-bearing elements, waterproofing, ventilation, fire protection, vehicle movement, and public-access concerns after completion. These features materially affect liability exposure during and after construction. If the parking garage is omitted from the application, the submission is incomplete and may misrepresent the scope of the project. The architect does not normally become the primary insured simply because design work is involved. The project owner’s separate liability coverage may be relevant, but it is not the missing project detail. Listing all other condominium projects of the general contractor is not the main requirement unless specifically requested for underwriting background. The core underwriting concern is that the application must accurately describe the entire project. Course topic reference: Builders Risk; Contractors; Wrap-Up Liability; Construction Project Applications; Condominium Development Exposures .

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The correct answer is C. Exhibition floater . An exhibition floater is designed to cover property taken to exhibitions, fairs, trade shows, displays, and similar events. Sufi regularly takes samples of her finished work to trade shows, which means the samples are away from her regular premises and exposed to transit, handling, display, theft, accidental damage, and temporary-location risks. Ordinary personal property coverage may not properly insure business samples while they are being transported and exhibited. A tool floater would be appropriate for tools and equipment used in work operations, but the question specifically refers to samples of finished work, not tools. Event liability coverage would respond to liability claims arising from an event, such as bodily injury or property damage to third parties, but it would not primarily insure Sufi’s own samples. The correct coverage must follow the property while it is moved, displayed, and returned. The broker should also confirm the value of the samples, transit method, storage at the trade show, security arrangements, and whether coverage applies during setup and teardown. Course topic reference: Property Coverages; Commercial Property Floaters; Exhibition Floater; Samples and Trade Show Property .

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