QUESTION 20 What group can or may provide insurance for risks that primary private insurance carriers like State Farm, Allstate and so on, do not generally want to insure Secondary Insurance Brokers Captive reinsurers Foreign Carriers not based in US Pooling Groups or Reciprocals None of the above QUESTION 21 Insurance involves which of the following Pooling Law of Large Numbers Risk Reduction Loss Control All of the above QUESTION 22 When a fortuitous event occurs The insurance company will deny the daim It is not an insurable event The loss control and risk manager wil avoid this exposure The insurance company will respond to the claim None of the above