CIC Commercial Casualty

Under the ISO Commercial General Liability (CG 00 01) occurrence form, Coverage A applies to amounts the insured becomes legally obligated to pay as damages because of which of the following?

• ABodily injury and property damage
• BPersonal and advertising injury
• CMedical payments to non-employees
• DProfessional errors in rendering services

On the ISO CGL occurrence form, what triggers Coverage A?

• AWhen the claim is first made against the insured
• BWhen bodily injury or property damage occurs during the policy period
• CWhen the insured first becomes aware of a wrongful act
• DWhen the suit is filed in court

Which CGL coverage pays reasonable medical expenses without regard to fault when bodily injury occurs on premises owned or rented by the insured?

• ACoverage A
• BCoverage B
• CCoverage C
• DSupplementary Payments

Which of the following offenses is covered under Coverage B (Personal and Advertising Injury) of the CGL?

• ABodily injury arising from a slip-and-fall on the premises
• BProperty damage to a customer's vehicle in the parking lot
• COral or written publication of material that slanders a person
• DFailure to deliver a product as promised

An insured is sued for trade dress infringement based on the design of its product packaging shown in a magazine advertisement. Which CGL coverage is most likely to respond?

• ACoverage A - Bodily injury and property damage
• BCoverage B - Personal and advertising injury
• CCoverage C - Medical payments
• DProducts-completed operations supplemental aggregate

Under a CGL claims-made form, which of the following is generally required for a claim to be covered?

• AThe injury must occur during the policy period only
• BThe claim must be first made during the policy period (or extended reporting period) and…
• CThe claim must be filed in a court within the policy period
• DBoth the injury and the claim must occur during the policy period

On an ISO claims-made CGL, what is the purpose of the retroactive date?

• AIt sets the date after which a claim must be reported
• BIt sets the earliest date that bodily injury or property damage can occur and still be co…
• CIt marks the end of the policy period
• DIt triggers the basic Extended Reporting Period

Under the ISO claims-made CGL, how long is the Basic Extended Reporting Period (BERP) for the standard 60-day window plus the additional period for claims tied to occurrences reported during the policy period?

• A30 days only
• B60 days only, with no additional period
• C60-day window for any claim, plus an additional five years for claims arising out of occu…
• DUnlimited time, with no additional cost

What is the key distinction between the Basic Extended Reporting Period (BERP) and the Supplemental Extended Reporting Period (SERP) on a claims-made CGL?

• AThe BERP is purchased; the SERP is automatic
• BThe BERP is automatic and limited; the SERP must be purchased and provides unlimited repo…
• CBoth are unlimited; only one is automatic
• DThere is no difference; the terms are interchangeable

Which of the following best describes the Products-Completed Operations Hazard under the CGL?

• ABodily injury or property damage occurring at the insured's premises during operations
• BBodily injury or property damage occurring away from premises owned by or rented to the i…
• CDamage to the insured's own work or product
• DBodily injury to the insured's employees

Which CGL aggregate limit is typically eroded by products-completed operations claims?

• AThe General Aggregate Limit
• BThe Products-Completed Operations Aggregate Limit
• CEach Occurrence Limit
• DPersonal and Advertising Injury Limit

Under the ISO CGL, defense costs are generally:

• AInside the limits of insurance and reduce them
• BOutside the limits of insurance and do not reduce them
• CSubject to a separate per-claim deductible
• DLimited to one-third of the each-occurrence limit

A contractor finishes a roofing job. Six months later, a leak from the work damages the building owner's interior contents. Which CGL exclusion would generally apply to the damage to the contractor's own roof work, but not to the owner's contents?

• AExclusion j(5) - Particular part of real property on which operations are performed
• BExclusion l - Damage to your work
• CExclusion m - Damage to impaired property
• DExclusion n - Recall

Which of the following losses is normally covered under Coverage A of the CGL?

• ABodily injury to an employee arising out of and in the course of employment
• BProperty damage to property the insured owns
• CBodily injury to a customer caused by a wet floor in the insured's store
• DA breach of contract dispute over delivery dates

On the CGL, the General Aggregate Limit applies separately to which of the following?

• AEach location/project, only when shown by endorsement
• BEvery claim filed during the policy period
• CEach named insured shown in the declarations
• DEach line of business operated by the insured

An insured rents a meeting room for a corporate event. A guest is injured when a chair collapses. Which CGL coverage component most directly responds to the guest's bodily injury claim?

• ADamage to Premises Rented to You (fire legal liability) limit
• BCoverage A - bodily injury liability
• CCoverage B - personal and advertising injury
• DCoverage C - medical payments only, never Coverage A

Which CGL exclusion bars coverage for liability assumed by the insured under a contract or agreement, except for an 'insured contract'?

• AExclusion a - Expected or intended injury
• BExclusion b - Contractual liability
• CExclusion e - Employer's liability
• DExclusion g - Aircraft, auto, or watercraft

Which of the following is the best example of an 'insured contract' as defined in the ISO CGL?

• AA casual oral agreement to indemnify a friend
• BA lease of premises (excluding fire damage to the rented premises clauses)
• CAn employment contract with an officer of the insured
• DA workers compensation reimbursement agreement

Under the CGL, who qualifies as an insured under the 'Who Is An Insured' section if the named insured is a partnership?

• AOnly the partnership itself
• BThe partnership and its partners (and their spouses) but only with respect to the conduct…
• CAll employees in any capacity, including off-duty
• DCustomers of the partnership

A subcontractor's faulty work on a portion of a project causes property damage to the rest of the general contractor's completed work. Under the standard CGL, this damage to the GC's other work is generally:

• AAlways excluded by the 'damage to your work' exclusion
• BCovered, due to the subcontractor exception in exclusion l
• CExcluded by the 'damage to impaired property' exclusion
• DSubject to the Damage to Premises Rented to You sublimit

Under the CGL, the 'Each Occurrence Limit' generally caps which of the following?

• AThe aggregate of all bodily injury and property damage claims for the policy period
• BThe maximum the insurer will pay for the sum of damages and medical expenses arising out…
• CDefense costs only
• DThe total Personal and Advertising Injury limit

A pet store insured wants coverage for false arrest claims by customers stopped on suspicion of shoplifting. Which CGL coverage primarily responds?

• ACoverage A - bodily injury liability
• BCoverage B - personal and advertising injury
• CDamage to Premises Rented to You
• DStop-gap employers liability

A landlord is sued because a tenant claims the landlord wrongfully evicted them and entered the apartment without permission. Which CGL coverage is most likely to respond?

• ACoverage A only
• BCoverage B - personal and advertising injury
• CDamage to Premises Rented to You
• DCoverage C medical payments

Which of the following is excluded from Coverage B (Personal and Advertising Injury)?

• AFalse arrest
• BKnowingly false statements made by or at the direction of the insured with knowledge of f…
• CSlander
• DWrongful eviction

On a CGL written on an occurrence form, when does an 'occurrence' include continuous or repeated exposure?

• AOnly when the loss is sudden and accidental
• BIt includes continuous or repeated exposure to substantially the same general harmful con…
• COnly when expressly endorsed
• DContinuous exposure is always excluded

Which item is NOT typically included in CGL Supplementary Payments?

• AAll expenses incurred by the insurer
• BUp to a stated amount for cost of bail bonds
• CReasonable expenses incurred by the insured at the insurer's request
• DLoss of business income suffered by the insured

Which CGL exclusion bars coverage for liability arising out of the rendering of professional services such as engineering, accounting, or medical services?

• AThere is no professional services exclusion in the CGL
• BExclusion j - Damage to property
• CA professional services exclusion is added by endorsement and is also implied for many cl…
• DExclusion p - Recall

Under the CGL, the insurer's duty to defend ends when:

• AThe insured first refuses settlement
• BThe applicable limit of insurance has been exhausted by payment of judgments or settlemen…
• CThe insurer requests reimbursement of defense costs
• DThe insured retains independent counsel

A landscaper installs a sprinkler system. Two years later, a leak from the system damages the homeowner's hardwood flooring. Which CGL coverage trigger and hazard apply?

• APremises and Operations Hazard, Coverage C
• BProducts-Completed Operations Hazard, Coverage A
• CPersonal and Advertising Injury Hazard, Coverage B
• DDamage to Premises Rented to You

Which of the following is NOT a separate aggregate or sublimit on the standard CGL declarations?

• AGeneral Aggregate
• BProducts-Completed Operations Aggregate
• CPersonal and Advertising Injury Limit
• DPollution Aggregate

On the ISO Business Auto Coverage Form (CA 00 01), which symbol represents 'any auto'?

• ASymbol 1
• BSymbol 2
• CSymbol 7
• DSymbol 9

A small business has only owned autos. The agent assigns Symbol 7 to liability. What gap does this create?

• ANo coverage for hired autos
• BNo coverage for non-owned autos
• CNo automatic coverage for newly acquired autos unless added to the schedule
• DAll of the above

Under the BAP, 'hired autos' generally include which of the following?

• AAutos the named insured owns
• BAutos leased, hired, rented, or borrowed by the named insured but excluding autos leased…
• CAutos owned by employees and used in the named insured's business
• DAutos used by customers

An employee uses their own personal car to run a bank deposit for the employer. The employee causes an accident. Which BAP symbol set is most relevant for the employer's coverage?

• ASymbol 1 only
• BSymbol 2 (Owned Autos Only)
• CSymbol 9 (Non-Owned Autos)
• DSymbol 7 (Scheduled)

Under the BAP, who is generally an insured for liability when driving a covered auto?

• AOnly the named insured
• BThe named insured and anyone the named insured has expressly authorized in writing
• CThe named insured and any person using a covered auto with the named insured's permission…
• DOnly employees specifically scheduled in the policy

Which of the following exposures is NOT addressed by the standard Business Auto Coverage Form?

• ALiability arising from an owned truck
• BPhysical damage to a covered auto
• CLiability arising from operations performed at the customer's premises by employees on fo…
• DHired auto liability when Symbol 8 is shown

Which BAP physical damage coverage pays for direct and accidental loss to a covered auto from causes other than collision or upset, including theft, fire, glass breakage, falling objects, and contact with an animal?

• ACollision coverage
• BSpecified causes of loss coverage
• CComprehensive coverage
• DTowing and labor coverage

A trucking company hauls property for others under contract. The 'mobile equipment' exception/exclusion in the BAP and the CGL is intended to:

• AEliminate coverage for forklifts entirely
• BAllocate auto-type exposures to the BAP and on-site equipment exposures to the CGL based…
• CCover personal-use trailers only
• DApply only to long-haul tractors

An insured rents a vehicle while traveling for business. Which BAP option is most likely to provide liability coverage for damage to the rented vehicle?

• ASymbol 1 with hired-auto liability and hired-auto physical damage extension
• BSymbol 7 only
• CPersonal Auto Policy hired-car coverage
• DBAP coverage cannot apply to rentals

Which BAP liability exclusion bars coverage for bodily injury to an employee arising out of and in the course of employment by the insured?

• AExpected or intended injury exclusion
• BWorkers compensation/employers liability exclusion
• CPollution exclusion
• DCare, custody, or control exclusion

A supplemental coverage option on the BAP that pays the insured's lost income if a covered auto is in the shop after a covered loss is best described as:

• ASpecified causes of loss coverage
• BRental reimbursement
• CLoss of business income for autos (not part of the standard form; addressed by endorsemen…
• DTowing and labor

An auto dealership requires which form rather than a standard BAP?

• APersonal Auto Policy
• BTruckers/Motor Carrier form
• CGarage or Auto Dealers form (e.g., CA 00 25)
• DCommercial Inland Marine

On the BAP, the limit of insurance for liability applies:

• APer accident, regardless of the number of insureds, claims, or autos involved
• BPer claim, with no aggregate
• CPer auto involved
• DPer insured involved

Which of the following statements about the BAP is TRUE?

• AThe BAP's liability section includes uninsured motorists by default in every state
• BUninsured/underinsured motorists coverage is required to be offered in many states and ma…
• CUM/UIM is never available on the BAP
• DUM/UIM is included with no separate limit

Which scenario is most likely covered as 'covered auto pollution liability' under the BAP, where applicable extensions exist?

• ARoutine emissions from a parked truck stored at the insured's premises
• BDiesel fuel released from a covered auto's tank as a result of an upset of the auto
• CLong-term groundwater contamination from a former service station
• DPollution from materials being intentionally dumped from the auto

A construction contractor purchases a BAP and a separate CGL. A backhoe being driven on a public road causes an accident. Where is liability coverage most likely to apply?

• ABAP, because the equipment is being used as an auto on a road
• BCGL only, because backhoes are mobile equipment regardless of use
• CInland marine only
• DPersonal auto policy of the operator

A delivery driver causes an accident while using a company van for personal errands during a lunch break. Which BAP issue is most relevant?

• AThe driver is not an insured because the use is personal
• BCoverage may apply if the van is a covered auto and the use is with the named insured's p…
• CCoverage automatically excludes any non-business use
• DOnly the personal auto policy can respond