CPCU 552 LATEST 2026 EXAM QUESTIONS AND
SOLUTIONS RATED A+
1
✔✔2. Negligent entrustment - ✔✔loaning a vehicle to someone who is not fit to drive.
✔✔2. No-fault laws - ✔✔provide benefits to injured persons without the need to prove
fault
✔✔2. Avoidance, Loss prevention, loss reduction, separation - ✔✔4 risk control
techniques
✔✔2. Root causes - ✔✔real causes of accidents, rather than symptoms
✔✔2. Commercial General Liability Coverage Form (CGL) - ✔✔coverage form
commonly used for insuring an organizations premises and operations liability loss
exposures and products/completed operations liability loss exposure
✔✔2. Bodily Injury - ✔✔Physical Injury to a person, including sickness disease and
death
✔✔2. Contractual Liability Coverage - ✔✔coverage for liability that the insured has
assumed under contract
✔✔2. Amendment of Insured Contract Definition Endorsement - ✔✔the endorsement
that modifies the CGL form so that subpart f. of the insured contract definition will not
include bodily injury or property damage caused solely by an indemnitee of the named
insured
✔✔2. Host Liquor Liability - ✔✔Coverage for a person or an organization that serves
alcoholic beverages to others, but is not in the alcoholic beverage business; it covers
the insured host against liability for accidents caused by persons who become
intoxicated as a result of the insured's serving of alcoholic beverages.
✔✔2.Exclusive Remedy - ✔✔workers compensation law grants benefits as the
employees' sole source of recovery against the employer, so employees lose the right
to sue their employers for injuries covered by workers comp.
✔✔2. Dual-capacity doctrine - ✔✔a legal doctrine giving the employee the right to sue
the employer when the employer acts in a capacity other than that of employer
✔✔2. Montrose Language - ✔✔in the occurrence version of the CGL eliminates
coverage for progressive injury or damage if the insured knew of the injury or damage
before the current policy period
,✔✔2. Progressive Injury or Damage - ✔✔Injury or damage that spans more than one
policy period
✔✔2. The amendment of the Liquor Liability Exclusion Endorsement - ✔✔more
restrictive then the basic liquor liability endorsement
✔✔2. third-party actions - ✔✔injured employee sues and recovers from a negligent 3rd
party and then the 3rd part sues the employer for joint negligence
✔✔2. Auto - ✔✔land motor vehicle, trailer, or semitrailer, designed from use on public
roads, including any attached machinery or equipment
✔✔2. Products liability coverage - ✔✔coverage for BI caused by product and PD to
property other than the product
✔✔2. Completed operations coverage - ✔✔cover for BI caused by defective work and
PD to property other than the product caused by defective work
✔✔2. Exclusion--Damage to Work performed by Subcontractors on Your behalf
Endorsement - ✔✔eliminates coverage for work completed by subcontractors
✔✔2. Fire Legal Liability - ✔✔applies to liability for Fire damage to premise rented to or
temporarily occupied by the named insured
✔✔3. Personal and advertising injury - ✔✔Injury that is covered by coverage B of the
CGL and includes injury resulting from numerous offenses, such as false detention,
malicious, prosecution, wrongful eviction, slander, libel, use of another's advertising
idea, and copyright infringement
✔✔3. Medical Payments Coverage - ✔✔coverage that pays necessary medical
expenses incurred within a specified period by a claimant (and in certain policies by an
insured) for a covered injury, regardless of whether the insured was at fault.
✔✔3. Excess Liability insurance - ✔✔insurance coverage for losses that exceed the
limits of underlying insurance coverage or a retention amount
✔✔3. Umbrella Liability Policy - ✔✔liability policy that provides excess coverage above
underlying policies and may also provide coverage not available in the underlying
policies, subject to an SIR
✔✔3. Personal and Advertising injury Limit - ✔✔in the CGL form, the most the insurer
will pay under coverage B for the sum of all personal and advertising injury to one
person or organization
, ✔✔3. Coverage for e-commerce - ✔✔taking online orders for goods or services though
the firm's website, disseminating information about the firm or its goods or services
through the firms website, email communication internet advertisements
✔✔3. prejudgment interest - ✔✔the time from the occurrence to the award, on the
portion of judgment paid by us
✔✔3. postjudgement interest - ✔✔allowing for the time from the award to the actual
payment on the full judgment amount that accrues between entry of the judgment
✔✔3. fellow employee exclusion/cross liability exclusion - ✔✔prevents the same person
from being both insured and claimant
✔✔3. products-completed operations limit - ✔✔the maximum payable per year for all
covered products and completed operations losses
✔✔3. Extended reporting period- Basic and Supplemental Reporting Periods -
✔✔extend the time allowed to report claims
✔✔3. Deductible Liability Insurance Endorsement - ✔✔applies either a per-claim or per-
occurrence deductible to BI and PD liability
✔✔3. Employee Benefits Liability Endorsement - ✔✔modifies the CGL coverage to
cover damages caused by negligent acts, errors, or omissions in the administration of
the named insured's employee benefits program
✔✔3. Electronic Data Liability Endorsement - ✔✔extends PD coverage to loss or loss of
use of electronic data caused by physical damage to tangible property
✔✔3. Add. Insureds = owners, lessors, or contractors - Scheduled person or
organization - ✔✔names owners, lessees, and/or contractors as additional insureds
under the CGL policies.
✔✔3. Add. insureds - owners, lessees, or contractors - automatic status when required
in cons. agreement endorsement - ✔✔automatically extends coverage to any property
owner, lessee, or contractor.
✔✔3. Nuclear energy liability exclusion endorsement - ✔✔eliminates coverage for BI
and PD arising in any way out of the hazards of nuclear energy
✔✔3. Employment-related practices exclusion endorsement - ✔✔the endorsement that
eliminates coverage under the cgl coverage form for bi, pi, or ai to a person arising out
of various wrongful acts or omissions related to the person's employment
SOLUTIONS RATED A+
1
✔✔2. Negligent entrustment - ✔✔loaning a vehicle to someone who is not fit to drive.
✔✔2. No-fault laws - ✔✔provide benefits to injured persons without the need to prove
fault
✔✔2. Avoidance, Loss prevention, loss reduction, separation - ✔✔4 risk control
techniques
✔✔2. Root causes - ✔✔real causes of accidents, rather than symptoms
✔✔2. Commercial General Liability Coverage Form (CGL) - ✔✔coverage form
commonly used for insuring an organizations premises and operations liability loss
exposures and products/completed operations liability loss exposure
✔✔2. Bodily Injury - ✔✔Physical Injury to a person, including sickness disease and
death
✔✔2. Contractual Liability Coverage - ✔✔coverage for liability that the insured has
assumed under contract
✔✔2. Amendment of Insured Contract Definition Endorsement - ✔✔the endorsement
that modifies the CGL form so that subpart f. of the insured contract definition will not
include bodily injury or property damage caused solely by an indemnitee of the named
insured
✔✔2. Host Liquor Liability - ✔✔Coverage for a person or an organization that serves
alcoholic beverages to others, but is not in the alcoholic beverage business; it covers
the insured host against liability for accidents caused by persons who become
intoxicated as a result of the insured's serving of alcoholic beverages.
✔✔2.Exclusive Remedy - ✔✔workers compensation law grants benefits as the
employees' sole source of recovery against the employer, so employees lose the right
to sue their employers for injuries covered by workers comp.
✔✔2. Dual-capacity doctrine - ✔✔a legal doctrine giving the employee the right to sue
the employer when the employer acts in a capacity other than that of employer
✔✔2. Montrose Language - ✔✔in the occurrence version of the CGL eliminates
coverage for progressive injury or damage if the insured knew of the injury or damage
before the current policy period
,✔✔2. Progressive Injury or Damage - ✔✔Injury or damage that spans more than one
policy period
✔✔2. The amendment of the Liquor Liability Exclusion Endorsement - ✔✔more
restrictive then the basic liquor liability endorsement
✔✔2. third-party actions - ✔✔injured employee sues and recovers from a negligent 3rd
party and then the 3rd part sues the employer for joint negligence
✔✔2. Auto - ✔✔land motor vehicle, trailer, or semitrailer, designed from use on public
roads, including any attached machinery or equipment
✔✔2. Products liability coverage - ✔✔coverage for BI caused by product and PD to
property other than the product
✔✔2. Completed operations coverage - ✔✔cover for BI caused by defective work and
PD to property other than the product caused by defective work
✔✔2. Exclusion--Damage to Work performed by Subcontractors on Your behalf
Endorsement - ✔✔eliminates coverage for work completed by subcontractors
✔✔2. Fire Legal Liability - ✔✔applies to liability for Fire damage to premise rented to or
temporarily occupied by the named insured
✔✔3. Personal and advertising injury - ✔✔Injury that is covered by coverage B of the
CGL and includes injury resulting from numerous offenses, such as false detention,
malicious, prosecution, wrongful eviction, slander, libel, use of another's advertising
idea, and copyright infringement
✔✔3. Medical Payments Coverage - ✔✔coverage that pays necessary medical
expenses incurred within a specified period by a claimant (and in certain policies by an
insured) for a covered injury, regardless of whether the insured was at fault.
✔✔3. Excess Liability insurance - ✔✔insurance coverage for losses that exceed the
limits of underlying insurance coverage or a retention amount
✔✔3. Umbrella Liability Policy - ✔✔liability policy that provides excess coverage above
underlying policies and may also provide coverage not available in the underlying
policies, subject to an SIR
✔✔3. Personal and Advertising injury Limit - ✔✔in the CGL form, the most the insurer
will pay under coverage B for the sum of all personal and advertising injury to one
person or organization
, ✔✔3. Coverage for e-commerce - ✔✔taking online orders for goods or services though
the firm's website, disseminating information about the firm or its goods or services
through the firms website, email communication internet advertisements
✔✔3. prejudgment interest - ✔✔the time from the occurrence to the award, on the
portion of judgment paid by us
✔✔3. postjudgement interest - ✔✔allowing for the time from the award to the actual
payment on the full judgment amount that accrues between entry of the judgment
✔✔3. fellow employee exclusion/cross liability exclusion - ✔✔prevents the same person
from being both insured and claimant
✔✔3. products-completed operations limit - ✔✔the maximum payable per year for all
covered products and completed operations losses
✔✔3. Extended reporting period- Basic and Supplemental Reporting Periods -
✔✔extend the time allowed to report claims
✔✔3. Deductible Liability Insurance Endorsement - ✔✔applies either a per-claim or per-
occurrence deductible to BI and PD liability
✔✔3. Employee Benefits Liability Endorsement - ✔✔modifies the CGL coverage to
cover damages caused by negligent acts, errors, or omissions in the administration of
the named insured's employee benefits program
✔✔3. Electronic Data Liability Endorsement - ✔✔extends PD coverage to loss or loss of
use of electronic data caused by physical damage to tangible property
✔✔3. Add. Insureds = owners, lessors, or contractors - Scheduled person or
organization - ✔✔names owners, lessees, and/or contractors as additional insureds
under the CGL policies.
✔✔3. Add. insureds - owners, lessees, or contractors - automatic status when required
in cons. agreement endorsement - ✔✔automatically extends coverage to any property
owner, lessee, or contractor.
✔✔3. Nuclear energy liability exclusion endorsement - ✔✔eliminates coverage for BI
and PD arising in any way out of the hazards of nuclear energy
✔✔3. Employment-related practices exclusion endorsement - ✔✔the endorsement that
eliminates coverage under the cgl coverage form for bi, pi, or ai to a person arising out
of various wrongful acts or omissions related to the person's employment
