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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?

Bodily injury and property damage

Personal and advertising injury

Medical payments to non-employees

Professional errors in rendering services

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Key Facts: CIC Commercial Casualty Exam

$425

Course/Exam Fee

Risk & Insurance Education Alliance

70%

Passing Score

140/200 points

16 hours

Course Length

Typically delivered over two days

2 hours

Exam Time

Proctored end-of-course exam

5 institutes

Required for CIC

Within 5 calendar years of first passed exam

Annual

Update Required

To keep the designation current

Commercial Casualty is the second of five CIC institute courses, with $425 course/exam pricing, a 70% passing score, and roughly 16 hours of instruction plus a 2-hour exam. The Alliance does not publish a public pass-rate table, but pass rates are generally high for candidates who complete the full course materials and submit all required reading. This practice bank is built around the CGL, Business Auto, WC/EL, umbrella, and professional liability concepts that dominate the course.

Sample CIC Commercial Casualty Practice Questions

Try these sample questions to test your CIC Commercial Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under 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?

A.Bodily injury and property damage

B.Personal and advertising injury

C.Medical payments to non-employees

D.Professional errors in rendering services

Explanation: Coverage A on the CGL is the bodily injury and property damage liability coverage. Coverage B is for personal and advertising injury, and Coverage C provides medical payments. Professional errors are excluded under the CGL and require a separate E&O policy.

2On the ISO CGL occurrence form, what triggers Coverage A?

A.When the claim is first made against the insured

B.When bodily injury or property damage occurs during the policy period

C.When the insured first becomes aware of a wrongful act

D.When the suit is filed in court

Explanation: An occurrence form is triggered when bodily injury or property damage takes place during the policy period, regardless of when the claim is made. Claims-made forms use a different trigger based on when the claim is reported.

3Which CGL coverage pays reasonable medical expenses without regard to fault when bodily injury occurs on premises owned or rented by the insured?

A.Coverage A

B.Coverage B

C.Coverage C

D.Supplementary Payments

Explanation: Coverage C is the Medical Payments coverage on the CGL. It pays without regard to fault for bodily injury on the insured's premises, on ways next to the insured's premises, or because of the insured's operations, subject to the time and reporting conditions in the form.

4Which of the following offenses is covered under Coverage B (Personal and Advertising Injury) of the CGL?

A.Bodily injury arising from a slip-and-fall on the premises

B.Property damage to a customer's vehicle in the parking lot

C.Oral or written publication of material that slanders a person

D.Failure to deliver a product as promised

Explanation: Coverage B responds to specifically listed offenses such as false arrest, malicious prosecution, wrongful eviction, libel/slander, oral or written publication that violates a person's right of privacy, the use of another's advertising idea, and copyright/trade dress/slogan infringement in the insured's advertisement.

5An 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?

A.Coverage A - Bodily injury and property damage

B.Coverage B - Personal and advertising injury

C.Coverage C - Medical payments

D.Products-completed operations supplemental aggregate

Explanation: Coverage B includes infringement of copyright, trade dress, or slogan in the insured's advertisement as a covered offense. Coverage A would not respond because there is no bodily injury or property damage as defined.

6Under a CGL claims-made form, which of the following is generally required for a claim to be covered?

A.The injury must occur during the policy period only

B.The claim must be first made during the policy period (or extended reporting period) and the injury must occur on or after the retroactive date

C.The claim must be filed in a court within the policy period

D.Both the injury and the claim must occur during the policy period

Explanation: Claims-made coverage is triggered when a claim is first made against the insured during the policy period (or applicable extended reporting period). Coverage also requires that the bodily injury or property damage occur on or after the retroactive date shown on the policy.

7On an ISO claims-made CGL, what is the purpose of the retroactive date?

A.It sets the date after which a claim must be reported

B.It sets the earliest date that bodily injury or property damage can occur and still be covered

C.It marks the end of the policy period

D.It triggers the basic Extended Reporting Period

Explanation: The retroactive date establishes the earliest date that covered bodily injury, property damage, or personal and advertising injury can take place. Events occurring before the retroactive date are not covered, even if the claim is reported during the policy period.

8Under 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?

A.30 days only

B.60 days only, with no additional period

C.60-day window for any claim, plus an additional five years for claims arising out of occurrences reported during the policy period

D.Unlimited time, with no additional cost

Explanation: The Basic ERP on the ISO claims-made CGL provides a 60-day window after the policy ends in which any claim can be reported, plus a separate five-year tail for claims arising out of occurrences that were reported to the insurer during the policy period. The Basic ERP is automatic and free.

9What is the key distinction between the Basic Extended Reporting Period (BERP) and the Supplemental Extended Reporting Period (SERP) on a claims-made CGL?

A.The BERP is purchased; the SERP is automatic

B.The BERP is automatic and limited; the SERP must be purchased and provides unlimited reporting

C.Both are unlimited; only one is automatic

D.There is no difference; the terms are interchangeable

Explanation: The Basic ERP is automatic at no extra premium but is limited (60 days plus a 5-year tail for already-reported occurrences). The Supplemental ERP must be purchased, generally within 60 days after the policy ends, and provides an unlimited tail for unreported occurrences that took place on or after the retroactive date.

10Which of the following best describes the Products-Completed Operations Hazard under the CGL?

A.Bodily injury or property damage occurring at the insured's premises during operations

B.Bodily injury or property damage occurring away from premises owned by or rented to the insured and arising out of the insured's product or completed work

C.Damage to the insured's own work or product

D.Bodily injury to the insured's employees

Explanation: The Products-Completed Operations Hazard includes BI or PD that occurs away from premises owned by or rented to the insured and arises out of the insured's product or work after it has been completed or abandoned. It has its own aggregate limit on the CGL.

About the CIC Commercial Casualty Exam

CIC Commercial Casualty is one of five CIC institute courses offered by the Risk & Insurance Education Alliance. The two-day, 16-hour course concludes with a proctored end-of-course exam covering commercial casualty topics: Commercial General Liability (CGL), Business Auto, Workers Compensation and Employers Liability, umbrella and excess liability, professional liability/E&O/D&O, and the additional-insured and other-insurance coordination that ties these forms together.

Assessment

16-hour course (typically two days) plus an end-of-course proctored exam; instructor-led/classroom CIC exams are commonly described as 17-21 short-answer/essay questions worth 200 points

Time Limit

2 hours

Passing Score

70%

Exam Fee

$425 per course (exam included with course registration) (Risk & Insurance Education Alliance)

CIC Commercial Casualty Exam Content Outline

30%

Commercial General Liability (CGL)

Coverage A bodily injury and property damage, Coverage B personal and advertising injury, Coverage C medical payments, occurrence vs claims-made triggers, retroactive dates, basic and supplemental ERPs, products-completed operations hazard, premises liability, defense outside the limits, and key CGL exclusions.

20%

Business Auto (CA 00 01)

Auto symbols 1-9, hired and non-owned auto exposures, who is an insured, physical damage (collision, comprehensive, specified causes of loss), pollution exception for fuel/lubricants, mobile equipment vs auto, and specialty forms such as Auto Dealers/Garage.

20%

Workers Compensation and Employers Liability

Part One statutory benefits, Part Two employers liability limits (typical 100/500/100 entry), AOE/COE, exclusive remedy, third-party-over actions, NCCI classifications, experience modifier, monopolistic states and stop-gap, federal acts (USL&H, FELA, Jones Act), and waiver of subrogation endorsements.

10%

Umbrella and Excess Liability

True umbrella vs following-form excess, drop-down behavior, self-insured retentions, maintenance-of-underlying provisions, defense inside vs outside limits, aggregate erosion, and umbrella personal injury coverage analysis.

10%

Professional Liability, E&O, and D&O

Claims-made triggers, retroactive dates, ERPs, prior-acts coverage, consent-to-settle and hammer clauses, Sides A/B/C of D&O, Side A DIC, EPLI scope and wage-and-hour exclusions, and cyber first-party vs third-party coverage.

Additional Insureds, Other Insurance, and Endorsements

CG 20 10 (ongoing operations) and CG 20 37 (completed operations), blanket additional-insured forms CG 20 33 and CG 20 38, hired/non-owned liability endorsements on the CGL, primary vs excess other-insurance clauses, and the role of certificates of insurance.

Producer Conduct and E&O Best Practices

Producer standard of care, documentation discipline, certificate-of-insurance pitfalls, prompt error reporting, and coordinated coverage analysis across CGL/BAP/WC/EL/umbrella/professional forms to identify and fill gaps.

How to Pass the CIC Commercial Casualty Exam

What You Need to Know

Passing score: 70%
Assessment: 16-hour course (typically two days) plus an end-of-course proctored exam; instructor-led/classroom CIC exams are commonly described as 17-21 short-answer/essay questions worth 200 points
Time limit: 2 hours
Exam fee: $425 per course (exam included with course registration)

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

CIC Commercial Casualty Study Tips from Top Performers

1Read the ISO Commercial General Liability form (CG 00 01) cover-to-cover at least once. Many exam questions test exact form language for Coverage A, B, C, exclusions, and Supplementary Payments.

2Memorize the Basic ERP rule on the claims-made CGL: a 60-day window for any claim plus a 5-year tail for occurrences reported during the policy period, with the Supplemental ERP unlimited but purchased.

3Build a chart of BAP symbols 1-9 and what each one covers. Symbol 1 (Any Auto), 2 (Owned), 7 (Scheduled), 8 (Hired), and 9 (Non-Owned) are tested heavily.

4Know typical employers liability limits 100/500/100 and the 'stop-gap' concept for monopolistic states (Ohio, North Dakota, Washington, Wyoming).

5Practice distinguishing true umbrella vs following-form excess, including drop-down behavior, SIRs, and maintenance-of-underlying language.

Frequently Asked Questions

What is the CIC Commercial Casualty exam?

CIC Commercial Casualty is the second of five CIC institute courses offered by the Risk & Insurance Education Alliance. It is a 16-hour course (typically delivered over two days) that concludes with a proctored end-of-course exam covering commercial casualty topics including CGL, Business Auto, Workers Compensation and Employers Liability, umbrella, and professional liability.

How much does CIC Commercial Casualty cost?

The Risk & Insurance Education Alliance currently lists CIC Commercial Casualty at approximately $425 per course, with the proctored exam included in the registration fee. Pricing varies slightly by delivery format (classroom, webinar, self-paced) and by registration deadlines, so always confirm the current published price on the Alliance schedule before registering.

What is the CIC Commercial Casualty passing score?

The CIC program uses a 70% passing score on its institute exams. Each CIC institute exam is a short-answer/essay format and is graded on a 200-point scale, so candidates need 140 of 200 points to pass. The exam is two hours long once it begins.

What topics are most heavily tested?

Commercial General Liability dominates the exam, including Coverage A/B/C, occurrence vs claims-made forms, retroactive dates, basic and supplemental Extended Reporting Periods, products-completed operations hazard, and key CGL exclusions. Business Auto (CA 00 01) and Workers Compensation/Employers Liability are also heavily tested, followed by umbrella, professional liability, additional-insured endorsements, and producer-conduct topics.

Do I need experience before taking CIC Commercial Casualty?

There are no formal prerequisites for any CIC institute. The Alliance recommends at least two years of full-time insurance or risk-management experience because the course assumes working familiarity with commercial casualty forms. Candidates without that background can still attend but should plan additional study time to read each ISO form referenced in the materials.

How does Commercial Casualty fit into the full CIC designation?

The CIC designation requires five institute courses within five calendar years. Commercial Casualty is one of the five required courses, alongside Commercial Property, Personal Lines, Life and Health, and Agency Management. Annual update coursework is required after earning the designation to keep it current.