CIC CASUALTY TEST REVIEW ACTUAL
EXAM PAPER 2026 FULL QUESTIONS WITH
COMPLETE SOLUTIONS
⩥ What are the five major sections of a CGL Policy? Answer: Common
Policy Declarations, Common Policy Conditions, CGL Declarations,
CGL Coverage Form, and Endorsements.
⩥ What does Coverage A protect against? Answer: Bodily injury or
property damage the insured is legally obligated to pay.
⩥ Define 'occurrence' under the CGL policy. Answer: An accident,
including continuous or repeated exposure to substantially the same
general harmful conditions.
⩥ What is 'premises liability'? Answer: Liability arising from ownership,
maintenance, or use of the insured's premises.
⩥ What is 'products liability'? Answer: Liability from injury or damage
caused by a product that has left the insured's premises.
⩥ What is 'completed operations liability'? Answer: Liability for injury
or damage after the insured's work is completed and put to its intended
use.
, ⩥ What is 'contractual liability'? Answer: Liability assumed under a
contract, such as hold-harmless agreements.
⩥ What are the categories of insureds under a CGL? Answer: Named
Insureds, Automatic Insureds, and Non-Automatic Insureds.
⩥ Who qualifies as an automatic insured for an individual Named
Insured? Answer: The individual and their spouse, only with respect to
the conduct of the business.
⩥ Who qualifies as automatic insureds for a corporation? Answer:
Executive officers, directors, and stockholders acting within their duties.
⩥ What is the coverage territory of the CGL policy? Answer: The U.S.,
its territories and possessions, Puerto Rico, and Canada, and products
sold from these areas worldwide.
⩥ What is Coverage B under the CGL? Answer: Personal and
Advertising Injury Liability for offenses like libel, slander, and copyright
infringement.
⩥ What is Coverage C under the CGL? Answer: Medical Payments
coverage regardless of fault for injuries on premises or arising from
operations.
EXAM PAPER 2026 FULL QUESTIONS WITH
COMPLETE SOLUTIONS
⩥ What are the five major sections of a CGL Policy? Answer: Common
Policy Declarations, Common Policy Conditions, CGL Declarations,
CGL Coverage Form, and Endorsements.
⩥ What does Coverage A protect against? Answer: Bodily injury or
property damage the insured is legally obligated to pay.
⩥ Define 'occurrence' under the CGL policy. Answer: An accident,
including continuous or repeated exposure to substantially the same
general harmful conditions.
⩥ What is 'premises liability'? Answer: Liability arising from ownership,
maintenance, or use of the insured's premises.
⩥ What is 'products liability'? Answer: Liability from injury or damage
caused by a product that has left the insured's premises.
⩥ What is 'completed operations liability'? Answer: Liability for injury
or damage after the insured's work is completed and put to its intended
use.
, ⩥ What is 'contractual liability'? Answer: Liability assumed under a
contract, such as hold-harmless agreements.
⩥ What are the categories of insureds under a CGL? Answer: Named
Insureds, Automatic Insureds, and Non-Automatic Insureds.
⩥ Who qualifies as an automatic insured for an individual Named
Insured? Answer: The individual and their spouse, only with respect to
the conduct of the business.
⩥ Who qualifies as automatic insureds for a corporation? Answer:
Executive officers, directors, and stockholders acting within their duties.
⩥ What is the coverage territory of the CGL policy? Answer: The U.S.,
its territories and possessions, Puerto Rico, and Canada, and products
sold from these areas worldwide.
⩥ What is Coverage B under the CGL? Answer: Personal and
Advertising Injury Liability for offenses like libel, slander, and copyright
infringement.
⩥ What is Coverage C under the CGL? Answer: Medical Payments
coverage regardless of fault for injuries on premises or arising from
operations.
