Tim is a local insurance broker. He has authority to receive premiums for a personal lines insurer and earns commission from the insurer for sales. Paul, an elderly customer, asked Tim for advice regarding his personal insurance requirements and to assist with completing the proposal form for household insurance. In these circumstances, who, if anyone, is Tim's principal?

• A.Both the insurer and Paul at different times.
• B.No one as Tim is not a party to the insurance contract.
• C.Paul as it is a consumer contract.
• D.The insurer at all times.

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The proximate cause of a loss is best described as the

• A.final peril to cause the loss.
• B.most dominant cause of the loss.
• C.first peril to cause the loss.
• D.most remote cause of the loss.

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