CRIS

During demolition, a contractor accidentally drops debris onto a neighboring tenant's HVAC unit, and a tenant employee suffers a minor injury while evacuating. Which CGL coverage part is designed for that type of third-party bodily injury and property damage claim?

• ACoverage A for bodily injury and property damage liability
• BCoverage B for personal and advertising injury
• CCoverage C for medical payments to the contractor's employees
• DContractors equipment coverage

A subcontract requires the subcontractor to add the general contractor as an additional insured for ongoing operations. Before work starts, the general contractor wants the best proof that coverage actually exists. What should it request?

• AA certificate of insurance only
• BThe additional insured endorsement or blanket endorsement language triggered by the writt…
• CA copy of the workers compensation information page
• DThe subcontractor's premium invoice

A roofer finishes a project, the owner accepts the work, and six months later rain enters through an improperly flashed curb and damages interior ceiling tiles. Which CGL concept is most directly involved?

• AOngoing operations only
• BCompleted operations exposure
• CMobile equipment liability
• DCommercial auto liability

An owner requires additional insured protection for a subcontractor's work both during construction and after the project is complete. Which endorsement approach best fits that requirement?

• AUse only an ongoing operations additional insured endorsement
• BUse only an owners and contractors protective policy
• CUse additional insured wording that covers ongoing operations and completed operations
• DRely only on a waiver of subrogation clause

A flooring contractor damages the exact section of lobby flooring it is polishing when its machine gouges the surface. No other property is damaged. Why is that loss commonly denied under the standard CGL?

• AIt is barred by the expected or intended injury exclusion
• BIt involves damage to that particular part of property being worked on and the cost to re…
• CIt is excluded because all employee-caused damage is excluded
• DIt is treated as a pollution loss

A contractor has a $1 million CGL policy and a $5 million umbrella policy. A severe jobsite injury settles for $1.7 million, and the umbrella has no exclusion that removes the loss. What should the umbrella normally do?

• APay first dollar and replace the CGL entirely
• BPay the amount above the underlying CGL limit, subject to umbrella terms
• CRespond only if a commercial auto is involved
• DPay defense costs only, but never indemnity

A developer is added as an additional insured on a subcontractor's CGL policy. A later lawsuit alleges only the developer's independent design mistake, with no connection to the subcontractor's operations. What is the most likely coverage result?

• AAdditional insured coverage fully applies because the developer is scheduled
• BAdditional insured coverage is limited or unavailable because the claim does not arise fr…
• CThe subcontractor's umbrella automatically converts the claim into covered liability
• DWorkers compensation should respond because a construction project is involved

A general contractor is sued after condo turnover because water intrusion allegedly resulted from faulty siding work performed by a subcontractor. Under the standard CGL, which feature gives the general contractor the best argument for coverage?

• AThe medical payments coverage section
• BThe subcontractor exception to the your work exclusion
• CThe hired auto endorsement
• DThe employee benefits liability extension

A contractor buys an excess liability policy that is not purely follow-form and contains a professional services exclusion broader than the exclusion on the underlying CGL. A claim alleges bodily injury from construction means and methods plus faulty design advice from the contractor's superintendent. What is the main coverage warning?

• AThe excess policy will automatically match the broader of the two policies
• BThe excess policy may leave a gap because its exclusion is broader than the underlying po…
• CAn excess policy always broadens coverage compared with the underlying policy
• DAn OCP policy automatically fills any excess coverage gap

A masonry subcontractor is sued after project completion because its brick veneer was installed incorrectly, requiring replacement of the veneer and repairs to interior finishes damaged by water. Which portion of the loss is the standard CGL most likely to exclude for that subcontractor?

• AReplacement of the defective brick veneer itself
• BResulting water damage to interior finishes
• CDefense costs while the claim is investigated
• DEmergency tarping to prevent further damage

A subcontract says the subcontractor will indemnify the general contractor only to the extent the subcontractor's negligence caused the loss. What type of indemnity clause is that?

• ABroad form indemnity
• BIntermediate form indemnity
• CLimited form indemnity
• DA waiver of subrogation clause

Bid specifications require additional insured status and waiver of subrogation. Before mobilization, the general contractor receives only a certificate of insurance from the subcontractor. What is the best next step?

• AAccept the certificate because it proves all policy terms
• BObtain the endorsements or policy wording that confirms the required terms
• CWait until a claim happens and then ask the carrier
• DReplace the certificate with a payment bond

An owner's builder's risk carrier pays a fire loss and then considers suing the electrical subcontractor whose employee may have caused it. The construction contract was written to avoid that round of litigation. Which provision is most directly aimed at stopping that recovery action?

• APrimary and noncontributory wording
• BAn OCP requirement
• CA waiver of subrogation
• DA per project aggregate

A subcontract requires the subcontractor's CGL to be primary and noncontributory to the owner's liability policy for covered claims arising from the subcontractor's work. What does that requirement mainly do?

• AIt makes the subcontractor's policy pay first without seeking contribution from the owner…
• BIt converts the owner's policy into excess-only coverage for every claim on the project
• CIt eliminates all deductibles under the subcontractor's policy
• DIt guarantees coverage even if the loss is otherwise excluded

A public university wants a policy in its own name that covers liability arising out of a prime contractor's operations, separate from the contractor's additional insured endorsement. Which coverage best fits that request?

• ACommercial umbrella coverage for the prime contractor
• BOwners and Contractors Protective liability coverage
• CA commercial property form
• DA waiver of subrogation endorsement

A hospital project is placed into an OCIP, and trade contractors are asked to provide wrap-up credits in their bids. What cost is most commonly being removed through those credits?

• AThe cost of the contractor's equipment maintenance program
• BThe contractor's cost of project-specific liability and workers compensation coverage tha…
• CThe contractor's warranty reserve for defective work
• DThe owner's builder's risk deductible

A state anti-indemnity statute says a contractor cannot be indemnified for its sole negligence on a construction project. How should counsel most prudently revise a broad indemnity clause?

• ADelete insurance requirements and rely only on tort law
• BKeep the clause unchanged because insurance makes it enforceable
• CReplace the clause with a bid bond requirement only
• DAdd savings language limiting indemnity to the fullest extent permitted by law

An owner wants additional insured status that will still apply after the subcontractor has finished its work. In the insurance specifications, what wording is most important to include?

• AA requirement for only ongoing operations additional insured status
• BA requirement for completed operations additional insured coverage, not just ongoing oper…
• CA requirement that the contractor buy inland marine coverage
• DA requirement that the contractor waive all defenses in any lawsuit

A subcontract says the subcontractor will assume the general contractor's tort liability for bodily injury or property damage caused in part by the subcontractor's operations. The subcontractor asks whether the standard CGL can potentially support that promise. What is the best answer?

• AYes, assumed tort liability in an insured contract may be covered, subject to policy term…
• BNo, the CGL never addresses any liability assumed in a contract
• CYes, but only if the contract also creates workers compensation benefits
• DNo, because contractual liability is always covered by a surety bond instead

An electrical subcontractor is enrolled in an OCIP for on-site work, but it fabricates assemblies at its own shop and delivers them later. What risk-transfer issue is most important to confirm?

• AWhether the owner will pay the subcontractor's payroll taxes
• BWhether the OCIP eliminates the need for all inland marine coverage
• CWhether off-site operations and transit are excluded from the OCIP, requiring the subcont…
• DWhether the builder's risk policy covers employee injuries during fabrication

Steel intended for a project is stored at a temporary warehouse and is stolen before installation. Assuming the form includes off-site storage, which policy is most directly intended to cover materials that will become part of the finished project?

• AWorkers compensation
• BBuilders risk
• CCommercial auto physical damage
• DEmployment practices liability

A skid steer is stolen overnight from a locked trailer at a jobsite. Which coverage is the best starting point for that loss?

• ACommercial general liability
• BBusiness income coverage
• CContractors equipment coverage
• DBid bond coverage

A fire shuts down a contractor's main office and estimating department for three weeks, causing lost revenue while fixed expenses continue. Which property coverage most directly addresses that problem?

• ABusiness income coverage
• BMedical payments coverage
• CCommercial auto liability
• DSurety bond coverage

A covered wind loss delays the opening of a condo project by two months. The developer wants interest expense, extra architect fees, and similar delay-related costs insured. What should have been added to the builders risk program?

• AAn employee dishonesty endorsement
• BA hired auto endorsement
• CA waiver of subrogation endorsement
• DA soft costs or delay in completion endorsement

A leased crane overturns at a jobsite and is heavily damaged. Which coverage is normally the better starting point than a standard commercial property building form?

• ACommercial property building coverage
• BContractors equipment or inland marine coverage
• CCommercial umbrella coverage
• DWorkers compensation

A project manager with access to the company yard steals copper coils and sells them to a recycler. Which coverage form most directly addresses that type of loss?

• ACommercial auto physical damage
• BBuilders risk testing coverage
• CCrime coverage for employee theft
• DEmployers liability

An electrical arc damages a building's chiller and forces the contractor to rent temporary equipment while repairs are made. Which coverage is designed for this kind of internal mechanical or electrical failure?

• ACommercial property ordinance or law
• BEquipment breakdown coverage
• CCommercial auto liability
• DBid bond coverage

A fire damages a contractor's warehouse. Two weeks later, operations resume in temporary space, but sales remain depressed until inventory is rebuilt. Under ordinary business income coverage, when does the main restoration period generally end?

• AOnly when revenue returns to pre-loss levels
• BWhen all customers fully forgive any delays
• CWhen the insured finishes paying off any repair loan
• DWhen the property should be repaired or replaced and operations can reasonably resume, su…

During construction, a roofing subcontractor's faulty torch work starts a fire that damages framing, insulation, and installed finishes. Under many builders risk forms, which loss is most likely still considered for coverage even if the defective work itself is not?

• AThe cost to retrain the subcontractor's crew
• BThe resulting fire damage to other building materials
• CContract penalties for late completion with no endorsement
• DThe subcontractor's internal quality-control expense

A fraudster spoofs a vendor email and convinces the contractor's accounting clerk to wire a large equipment deposit to the wrong account. Which response is most accurate?

• AThe commercial property form automatically covers any mistaken wire transfer
• BThe CGL should respond because a third party caused the loss
• CStandard employee theft coverage always pays any voluntary transfer loss
• DFunds transfer fraud or social engineering coverage may be needed because many crime form…

A carpenter strains his back while lifting formwork and misses three weeks of work. Which policy generally pays the statutory medical and wage-loss benefits without requiring the employee to prove employer negligence?

• AWorkers compensation
• BCommercial general liability
• CCommercial property
• DPerformance bond

A contractor's experience modification rises from 0.82 to 1.18 at renewal. What does that typically signal?

• AIts payroll has been fully audited with no changes
• BIt now qualifies for federal workers compensation benefits only
• CIts recent loss experience is worse than expected, which generally increases premium
• DIts workers compensation limits are now too low to meet contract requirements

A contractor keeps separate payroll records for home-office clerical staff and for field laborers. Why is that separation especially important at workers compensation audit?

• AIt eliminates the need for any premium audit
• BIt may allow qualifying clerical payroll to remain in a lower-rated classification instea…
• CIt guarantees a mod below 1.00
• DIt turns clerical employees into uninsured subcontractors

An injured employee collects workers compensation benefits, and then the employee's spouse sues the contractor for loss of consortium arising from the injury. Which part of the workers compensation policy may respond to that suit?

• APart One workers compensation benefits only
• BCommercial auto liability
• CBuilders risk
• DEmployers liability

A marine contractor building a dock from barges on navigable water has a worker injured while loading pilings from a vessel to the work area. Which system may apply instead of ordinary state workers compensation alone?

• ABuilders risk
• BLongshore and Harbor Workers' Compensation Act
• CCommercial auto liability
• DA bid bond

A contractor has many small medical-only claims but no catastrophic loss. Why can its experience modification still deteriorate?

• AClaim frequency can still worsen the mod because it suggests weaker overall loss control
• BOnly claim severity matters in experience rating
• CMedical-only claims are never considered by rating formulas
• DExperience mods are based only on revenue, not loss history

A foreman is released to light duty after a knee injury and can handle scheduling, delivery logs, and safety paperwork. Why is offering modified duty quickly such an important workers compensation strategy?

• AIt eliminates the claim from the experience rating calculation
• BIt converts the injury into a commercial liability claim
• CIt can reduce indemnity duration and total claim cost while keeping the employee connecte…
• DIt guarantees the insurer will waive the deductible

A general contractor hires uninsured labor-only subcontractors and pays them by 1099. At audit, what is the most common premium issue?

• AThe auditor must ignore them because they were not W-2 employees
• BTheir payments may be included as payroll or labor exposure unless certificates and rule…
• CTheir cost is shifted automatically into the commercial auto policy
• DThe auditor can charge only a flat administrative fee

A contractor based in Arizona wins a short project in Nevada and sends its crew before telling the carrier. The policy lists Arizona in Item 3.A., but no separate Nevada setup was arranged. What is the biggest concern?

• AThe workers compensation policy automatically becomes a builders risk policy in Nevada
• BExperience modification no longer applies outside the home state
• COther-states provisions may not fully solve the problem if notice, filings, or separate a…
• DNevada claims would be covered only by the contractor's commercial auto policy

An employee of a subcontractor is injured, sues an equipment manufacturer, and the manufacturer then seeks recovery from the employer for negligent training and supervision. Which workers compensation policy section is intended for that type of claim against the employer?

• APart One workers compensation benefits only
• BEmployers liability
• CCommercial property
• DBuilder's risk

A contractor wants liability coverage on any auto it uses, including newly acquired trucks, hired vehicles, and employee cars used in business. Which commercial auto symbol is the broadest for liability?

• ASymbol 1, any auto
• BSymbol 7, specifically described autos only
• CSymbol 8, hired autos only
• DSymbol 9, nonowned autos only

An estimator uses her own SUV to pick up plans for the company and rear-ends another vehicle. If the SUV is not scheduled on the contractor's commercial auto policy, which coverage should the contractor review for its own liability exposure?

• ABuilders risk
• BBid bond coverage
• CNonowned auto liability coverage
• DEquipment breakdown coverage

A city requires assurance that a bridge contractor will complete the project according to the contract if it defaults. Which bond is designed for that purpose?

• ABid bond
• BPerformance bond
• CLicense bond
• DMaintenance bond

A motor carrier hauling construction debris has an MCS-90 endorsement on file under federal law. What is that endorsement primarily intended to do?

• AAdd physical damage coverage for any rented trailer
• BGuarantee payment of contract penalties after late delivery
• CReplace every exclusion in the commercial auto policy
• DProvide a financial responsibility backstop to protect the public, even though it is not…

A low bidder is awarded a public project but then refuses to sign the contract because it underpriced structural steel. Which bond most directly protects the owner from that problem?

• ABid bond
• BPerformance bond
• CPayment bond
• DSubdivision bond

A subcontractor starts work on an OCIP project but has not submitted payroll estimates or completed enrollment paperwork. What is the most practical insurance concern?

• AIts builders risk deductible will automatically increase
• BIt may not actually be enrolled yet, so it should not assume wrap-up protection is in for…
• CIts surety bond becomes void once the project enters an OCIP
• DIts employees no longer need workers compensation coverage

A concrete contractor on a design-build project is responsible for temporary shoring design prepared in-house. Which policy is most relevant if a design error causes a costly claim?

• ACommercial auto liability
• BPayment bond
• CContractors professional liability
• DBuilders risk only