200+ Free CRIS Practice Questions

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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?

Coverage A for bodily injury and property damage liability

Coverage B for personal and advertising injury

Coverage C for medical payments to the contractor's employees

Contractors equipment coverage

to track

2026 Statistics

Key Facts: CRIS Exam

Core Courses

Required for designation

50 max

Questions Per Final

IRMI FAQ

70%

Passing Score

Each course final

$845

Core Program Cost

IRMI 2026 pricing

60 mo

Completion Window

IRMI FAQ

6 hrs/yr

Annual Renewal

IRMI reaccreditation

CRIS is a five-course IRMI/WebCE designation rather than a single licensing exam. Candidates complete five online self-study core courses within 60 months, and each course ends with a randomly generated final exam of up to 50 multiple-choice questions requiring a 70% passing score. IRMI lists 2026 pricing at $169 per course ($845 total), with optional insurance CE credit for $19 extra per course and 6 hours of annual renewal education to maintain the credential.

Sample CRIS Practice Questions

Try these sample questions to test your CRIS exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1During 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?

A.Coverage A for bodily injury and property damage liability

B.Coverage B for personal and advertising injury

C.Coverage C for medical payments to the contractor's employees

D.Contractors equipment coverage

Explanation: Coverage A is the main CGL insuring agreement for third-party bodily injury and property damage caused by an occurrence, subject to the policy's exclusions and conditions. Coverage B addresses offenses like libel or wrongful eviction, while Coverage C is limited no-fault medical payments and does not replace liability coverage for the contractor's own employees.

2A 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?

A.A certificate of insurance only

B.The additional insured endorsement or blanket endorsement language triggered by the written contract

C.A copy of the workers compensation information page

D.The subcontractor's premium invoice

Explanation: A certificate is only evidence of insurance and does not amend the policy. The strongest proof is the actual additional insured endorsement, or blanket endorsement wording that clearly grants status when required by written contract.

3A 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?

A.Ongoing operations only

B.Completed operations exposure

C.Mobile equipment liability

D.Commercial auto liability

Explanation: Once the work is finished and put to its intended use, later claims typically fall into the completed operations exposure bucket. That matters because additional insured wording, exclusions, and aggregate limits may differ for ongoing versus completed operations.

4An 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?

A.Use only an ongoing operations additional insured endorsement

B.Use only an owners and contractors protective policy

C.Use additional insured wording that covers ongoing operations and completed operations

D.Rely only on a waiver of subrogation clause

Explanation: Many additional insured endorsements cover only ongoing operations, so they do not automatically extend to losses arising after completion. If the contract requires post-completion protection, the wording must specifically include completed operations as well.

5A 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?

A.It is barred by the expected or intended injury exclusion

B.It involves damage to that particular part of property being worked on and the cost to repair faulty work itself

C.It is excluded because all employee-caused damage is excluded

D.It is treated as a pollution loss

Explanation: The CGL is not designed to serve as a warranty for repairing the insured's own defective work on the part being worked on. Business-risk exclusions commonly remove coverage for the cost to fix that work, although resulting damage to other property may be treated differently.

6A 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?

A.Pay first dollar and replace the CGL entirely

B.Pay the amount above the underlying CGL limit, subject to umbrella terms

C.Respond only if a commercial auto is involved

D.Pay defense costs only, but never indemnity

Explanation: An umbrella or excess liability policy is generally intended to sit above scheduled underlying limits and pay once those underlying limits are exhausted by a covered loss. It does not normally replace the underlying CGL from dollar one.

7A 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?

A.Additional insured coverage fully applies because the developer is scheduled

B.Additional insured coverage is limited or unavailable because the claim does not arise from the subcontractor's work

C.The subcontractor's umbrella automatically converts the claim into covered liability

D.Workers compensation should respond because a construction project is involved

Explanation: Additional insured status is usually tied to liability arising out of, or caused in whole or in part by, the named insured's operations. If the claim is based solely on the additional insured's independent conduct, the endorsement may provide little or no protection.

8A 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?

A.The medical payments coverage section

B.The subcontractor exception to the your work exclusion

C.The hired auto endorsement

D.The employee benefits liability extension

Explanation: For a general contractor, the standard form's your work exclusion contains an important exception when the damaged work or the work out of which the damage arises was performed by a subcontractor. That exception is one reason subcontracted completed-operations claims are analyzed differently from claims involving the named insured's own self-performed defective work.

9A 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?

A.The excess policy will automatically match the broader of the two policies

B.The excess policy may leave a gap because its exclusion is broader than the underlying policy's exclusion

C.An excess policy always broadens coverage compared with the underlying policy

D.An OCP policy automatically fills any excess coverage gap

Explanation: Excess or umbrella policies do not always mirror the underlying form, and broader exclusions can create a gap above the primary layer. Contractors and brokers need to compare wording, not just limits, especially when operations may blur into design or professional services.

10A 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?

A.Replacement of the defective brick veneer itself

B.Resulting water damage to interior finishes

C.Defense costs while the claim is investigated

D.Emergency tarping to prevent further damage

Explanation: For the named insured subcontractor, the policy commonly excludes the cost to replace its own defective completed work. Resulting damage to other property may be analyzed differently, but the policy is not intended to guarantee the quality of the subcontractor's own product or workmanship.

About the CRIS Exam

The CRIS designation validates specialized construction insurance and risk management knowledge for insurance agents, brokers, CSRs, underwriters, in-house risk managers, and insurance buyers who work with contractors and construction projects.

Assessment

Five separate online self-study core-course finals; each course final is randomly generated and contains up to 50 questions

Time Limit

Self-paced (no published timer)

Passing Score

70%

Exam Fee

$169 per course ($845 total core program; +$19 per course for insurance CE credit) (International Risk Management Institute (IRMI) / WebCE)

CRIS Exam Content Outline

20%

Commercial Liability Insurance for Contractors

CGL coverage parts, contractor-specific exclusions, additional insured status, completed operations, and umbrella/excess liability

20%

Contractual Risk Transfer in Construction

Indemnity clauses, insurance specifications, waiver of subrogation, primary and noncontributory wording, OCP coverage, and wrap-up issues

20%

Property Insurance for Contractors

Commercial property, builders risk, contractors equipment, business income, crime, and equipment breakdown exposures

20%

Workers Compensation for Contractors

Workers compensation benefits, employers liability, experience modification, classification and audit rules, jurisdiction, and loss-control strategy

20%

Commercial Auto, Surety, CIPs, and Miscellaneous Lines

Commercial auto symbols, MCS-90, hired/nonowned auto, surety bonds, controlled insurance programs, and specialty liability lines

How to Pass the CRIS Exam

What You Need to Know

Passing score: 70%
Assessment: Five separate online self-study core-course finals; each course final is randomly generated and contains up to 50 questions
Time limit: Self-paced (no published timer)
Exam fee: $169 per course ($845 total core program; +$19 per course for insurance CE credit)

Keys to Passing

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

CRIS Study Tips from Top Performers

1Treat CRIS as five equally important course finals and study the official core-course topics in balanced blocks

2Master how construction contracts and insurance requirements interact because many CRIS scenarios hinge on indemnity, additional insured wording, and waiver-of-subrogation language

3Separate builders risk, commercial property, and contractors equipment in your notes so you can quickly identify which property form applies to each loss

4Know the workers compensation basics that drive contractor costs: classification, payroll audit, experience modification, employers liability, and return-to-work strategy

5Review wrap-ups, surety, commercial auto symbols, MCS-90, and specialty contractor liability coverages because those topics distinguish CRIS from general P&C study

6Use scenario-based practice instead of rote memorization, since CRIS questions often ask which risk-transfer or coverage solution best fits a specific construction fact pattern

Frequently Asked Questions

What is the CRIS designation?

CRIS stands for Construction Risk and Insurance Specialist. It is an IRMI professional designation focused on the insurance and risk management issues unique to contractors and construction projects, including liability, contractual risk transfer, property, workers compensation, surety, and wrap-up programs.

Is CRIS a single comprehensive exam?

No. CRIS is structured as five required online core courses rather than one combined exam. You earn the designation by completing all five core courses and passing each course's final exam within 60 months of starting the program.

How many questions are on the CRIS exam?

Each CRIS core course ends with a final exam drawn randomly from a test bank. IRMI's certification FAQ says each final will contain no more than 50 multiple-choice questions, and the final is generally 50 questions when you are not requesting state CE credit.

What score do you need to pass CRIS?

You must answer 70% of the questions correctly to pass each CRIS course final. IRMI also states that if you fail, you can review the material and retake the exam; unlimited retakes apply when CE credit is not requested, while CE-credit retakes may be limited by state rules.

How much does CRIS cost in 2026?

As of March 12, 2026, IRMI lists CRIS core courses at $169 each, or $845 for all five core courses. Insurance CE credit is available for an additional $19 per course.

Are there prerequisites for CRIS?

IRMI does not publish a formal education or experience prerequisite. Its FAQ says the curriculum is basic-to-intermediate but assumes some familiarity with insurance terminology and fundamentals, so candidates with no insurance background may find the program more challenging.

How long does it take to earn the CRIS designation?

IRMI says each course typically takes 6 to 10 hours to complete, and candidates have up to 60 months to finish all five core courses. Most insurance professionals can finish much faster if they study consistently and work through the courses back to back.

How do you maintain the CRIS designation?

To keep the CRIS designation active, you must complete 6 hours of continuing education every 12 months after earning it. IRMI allows renewal credit through an online renewal course, an IRMI conference such as the Construction Risk Conference, or an approved educational event.

What 2026 regulatory updates matter for CRIS candidates?

As of March 12, 2026, two current developments are especially relevant to contractor risk conversations: OSHA's final construction PPE fit rule, effective January 13, 2025, requires PPE to properly fit each affected employee, and NCCI's decimal-extension changes for loss costs, rates, and expected loss rates took effect January 1, 2026 and later filings. Those updates do not change the five required CRIS core courses, but they reinforce current loss-control and workers compensation rating themes that construction insurance professionals should understand.