CISR Commercial Casualty I

Under the ISO Commercial General Liability Coverage Form (CG 00 01), Coverage A insures against which of the following?

• ABodily injury and property damage caused by an occurrence
• BPersonal and advertising injury offenses
• CReasonable medical expenses regardless of fault
• DProfessional services rendered by a licensed practitioner

How does the unendorsed CGL define 'occurrence'?

• AAny unintentional act by the named insured
• BAn accident, including continuous or repeated exposure to substantially the same general…
• CAny sudden and accidental discharge of pollutants
• DA claim that is first made against the insured during the policy period

Which of the following is NOT a hazard generally covered under CGL Coverage A?

• APremises and operations hazard
• BProducts-completed operations hazard
• CContractual liability assumed in an insured contract
• DErrors and omissions in rendering professional services

An installer leaves a job site after completing a roof. Two weeks later the roof leaks and damages the customer's inventory. Which CGL hazard is triggered?

• APremises and operations hazard
• BProducts-completed operations hazard
• CFire legal liability hazard
• DPersonal and advertising injury hazard

Which CGL exclusion eliminates coverage for bodily injury that the insured 'expected or intended from the standpoint of the insured'?

• AWorkers compensation exclusion
• BExpected or intended injury exclusion
• CPollution exclusion
• DLiquor liability exclusion

Which of these contracts is generally an 'insured contract' under the CGL?

• AAn indemnity agreement in which the insured assumes another party's tort liability for BI…
• BAn employment contract with one of the insured's officers
• CA real-estate sales contract assigning environmental liability
• DA licensing agreement that assumes IP infringement liability

Which CGL exclusion responds first to an employee's on-the-job injury claim against their employer?

• APollution exclusion
• BWorkers compensation exclusion and the employer's liability exclusion
• CAuto exclusion
• DDamage to property exclusion

The CGL's pollution exclusion applies broadly, but limited coverage may still exist for which of the following?

• ACleanup demanded by the EPA at the insured's owned premises
• BBI from heat, smoke, or fumes from a hostile fire
• CGradual seepage of fuel oil into the soil under the insured's plant
• DCosts to test for contamination of the insured's own product

Which loss is excluded by the CGL aircraft, auto, or watercraft exclusion?

• ASlip and fall in the insured's parking lot
• BBI caused by the insured's employee while driving a company truck
• CProperty damage from a forklift used at the loading dock
• DBI to a customer struck by a falling display rack

The CGL excludes 'property damage to your work' arising out of it or any part of it. What is the typical exception to this exclusion?

• ADamage caused by the named insured's owners or officers
• BDamage to your work performed by a subcontractor on your behalf
• CDamage caused by the use of mobile equipment
• DDamage that occurs while operations are still in progress

Which of the following is excluded under the CGL's 'damage to your product' exclusion?

• ABI caused by a defect in the insured's product
• BDamage to a customer's separate property caused by the product
• CDamage to the insured's product itself arising out of it or any part of it
• DDamage to property of others in the insured's care

An insured contractor accidentally cuts a buried fiber-optic cable belonging to a third party while excavating. Which CGL coverage is triggered?

• ACoverage A — Property Damage
• BCoverage B — Personal & Advertising Injury
• CCoverage C — Medical Payments
• DNone — the loss is excluded as damage to the insured's work

Which loss would generally be considered 'property damage' under the CGL?

• ALoss of use of tangible property that has not been physically injured
• BLoss of customer goodwill following a viral PR incident
• CLoss of expected profits when a key vendor fails to deliver
• DLoss caused by a stock-market decline

Under the CGL, the insurer's duty to defend ends when which of the following occurs?

• AThe insured's deductible has been exhausted
• BThe applicable Each Occurrence limit has been used up by judgments or settlements
• CThe claimant rejects the first settlement offer
• DThe insured demands the insurer settle within policy limits

Defense costs paid under a standard CGL are treated how?

• AThey reduce the limit of liability dollar-for-dollar (defense within limits)
• BThey are paid in addition to the policy limits
• CThey are subject to a separate aggregate of $50,000
• DThey are not paid by the insurer; the insured must arrange defense

Which of the following items is generally a Supplementary Payment under the CGL?

• APunitive damages awarded against the insured
• BUp to $250 for cost of bail bonds required because of an accident
• CLost wages of the insured's CFO
• DProperty damage to the insured's own product

Which of the following describes the 'loss of earnings' Supplementary Payment under the CGL?

• AUp to $100 per day, no maximum total
• BUp to $250 per day for time off due to assistance at the insurer's request
• CUnlimited reimbursement for executive time during litigation
• DUp to $500 per occurrence with no daily cap

Under the CGL, the General Aggregate limit applies to all damages except those covered by which other aggregate?

• AThe Personal & Advertising Injury limit
• BThe Each Occurrence limit
• CThe Products-Completed Operations Aggregate
• DThe Damage to Premises Rented to You limit

Under the unendorsed ISO CGL, the Damage to Premises Rented to You coverage most classically restores fire-damage liability for which situation?

• APremises rented to the named insured (fire damage; for rentals of more than 7 consecutive…
• BPremises owned by the named insured
• CPremises the named insured leases to a tenant as landlord
• DPremises rented to a third party from the named insured

When operations cease and the insured's work is put to its intended use, where do resulting injuries usually fall on the CGL?

• APremises-operations hazard, subject to the General Aggregate
• BProducts-completed operations hazard, subject to the Products-Completed Operations Aggreg…
• CMobile equipment hazard, subject to the Each Occurrence limit
• DCoverage B, subject to the Personal & Advertising Injury limit

Under the CGL, an act-or-omission of one insured will generally be imputed to which other insured(s)?

• AAll insureds, by virtue of joint-and-several treatment
• BNone — separation of insureds applies, but the limits remain shared
• COnly the named insured
• DOnly insureds added by endorsement

Which of the following is the BEST example of a covered Coverage A premises-operations loss?

• AA customer slips on a freshly mopped floor in the insured's store
• BA consumer is poisoned by tainted food after the insured's restaurant closes
• CA subcontractor's truck strikes a pedestrian off the job site
• DAn employee sues the insured for workplace harassment

Coverage A's contractual liability exclusion is undone for which type of agreement?

• AAn employment contract with the insured's officers
• BAn indemnity in a railroad sidetrack agreement (an insured contract)
• CA waiver of subrogation in favor of a vendor
• DAn indemnity that assumes the indemnitor's own tort liability

Which of the following is excluded under exclusion j (Damage to Property)?

• ADamage to property the insured rents from a third party for less than 7 days
• BDamage to that particular part of real property on which the insured is performing operat…
• CDamage to a subcontractor's completed work after operations cease
• DDamage to a customer's vehicle in a public lot adjacent to the premises

Which one of the following losses would most likely be COVERED on the unendorsed CGL?

• ABodily injury to an employee while in the course of employment
• BProperty damage caused by the use of the insured's owned auto
• CBodily injury to a delivery driver who slips on ice in the insured's loading dock
• DBodily injury to a customer of a tavern who became intoxicated on the insured's premises

The CGL aircraft, auto, or watercraft exclusion does NOT apply to which of the following?

• AAn aircraft chartered with crew by the insured
• BWatercraft while ashore on premises the named insured owns or rents
• CAn automobile loaned to the insured's employee for personal use
• DA leased private aircraft used for company travel

Which item below is generally NOT considered 'mobile equipment' under the CGL definition?

• AA bulldozer used at the insured's construction site
• BA self-propelled forklift designed for use off public roads
• CA pickup truck used to transport employees on public highways
• DA vehicle that travels on crawler treads

Which of the following is a TRUE statement regarding 'your work' under the CGL?

• AIt includes only the work the named insured personally performs
• BIt includes work or operations performed by the named insured or on the named insured's b…
• CIt excludes warranties and representations made about that work
• DIt is limited to construction operations

Which of the following exposures is generally NOT covered under the unendorsed CGL even though the actor may otherwise be an insured?

• AAn executive officer acting within the scope of duties who causes a premises slip-and-fall
• BAn employee while driving the named insured's auto and causing BI to a third party
• CA volunteer worker performing duties as directed by the named insured who injures a custo…
• DA partner with respect to the conduct of the partnership's business who causes a products…

Under the CGL, which limit caps the insurer's most-paid for any single Coverage A loss?

• AThe General Aggregate Limit
• BThe Each Occurrence Limit
• CThe Personal & Advertising Injury Limit
• DThe Products-Completed Operations Aggregate

Which of the following is a 'personal and advertising injury' offense under Coverage B?

• ABodily injury to a customer caused by faulty workmanship
• BOral or written publication of material that slanders or libels a person or organization
• CProperty damage to a third party's vehicle
• DMental anguish unaccompanied by any other Coverage B offense

Coverage B's wrongful-eviction offense applies to which of the following situations?

• AA landlord evicts a tenant for non-payment of rent following a court order
• BAn owner wrongfully evicts a tenant from a room or premises that the tenant occupies
• CA retailer asks a disruptive customer to leave the store
• DA bartender refuses service to an intoxicated patron

Coverage B excludes injury caused by an offense committed when?

• AOnly when the insured had no knowledge of the publication
• BWhen the offense was committed prior to the policy period
• CWhen the offense involved spoken statements at a private gathering
• DWhen the offense was committed by a volunteer worker

Which of the following Coverage B exclusions applies to liability the insured assumes under contract?

• AKnowing violation of the rights of another
• BContractual liability — except for liability the insured would have absent the contract
• CQuality or performance of goods — failure to conform to statements
• DInfringement of copyright, patent, trademark, or trade secret

Coverage B's IP exclusion preserves limited coverage for which of the following?

• APatent infringement in the manufacturing of a product
• BTrade secret theft by the named insured
• CInfringement of copyright, trade dress, or slogan in your 'advertisement'
• DMisuse of customer data on the insured's network

Which of the following claims would most likely be COVERED under CGL Coverage B?

• AThe insured manufactures a defective ladder that injures a buyer
• BThe insured's employee falsely arrests a shoplifting suspect
• CA customer slips on the insured's wet floor
• DAn employee of the insured suffers an on-the-job injury

Coverage B applies separately for each:

• APerson or organization who sustains injury because of the offense, subject to the per-pol…
• BEach occurrence
• CEach premises rented to the insured
• DEach products-completed operations claim

Which of the following is NOT a Coverage B offense?

• AMalicious prosecution
• BWrongful entry into another's premises
• CBodily injury caused by an occurrence
• DUse of another's advertising idea in the insured's advertisement