Why does Harbour & Co. work with a broker? Harbour & Co. works with a broker because commercial insurance risks—especially in the complex London Market—require specialized expertise to negotiate coverage. A broker acts as an intermediary who understands market capacity, helps structure the policy, and advocates for the client to secure optimal terms and pricing

A team has a substantially higher phishing simulation success rate than other teams. What is the most appropriate conclusion? The simulation should be ignored because results differ by team The team should no longer receive email messages The team has stronger cybersecurity knowledge than other teams The team likely needs additional phishing awareness training

I liked how the simulation provided practical experience in insurance underwriting. It helped me understand how to assess risks, review broker submissions, identify missing information, and make appropriate recommendations. I also learned how policy conditions and exclusions work. Overall, it improved my analytical thinking and gave me a better understanding of the role of an underwriter.