COMMERCIAL CASUALTY II UPDATED ACTUAL COMPREHENSIVE STUDY GUIDE 2026

COMMERCIAL CASUALTY II UPDATED ACTUAL
COMPREHENSIVE STUDY GUIDE 2026

◉ Employer purchase of workers compensation insurance is
voluntary in all states but Texas and New Jersey. T/F.
Answer: False


It is mandatory in all states but Texas and New Jersey.


◉ One advantage of workers compensation insurance for employers
is predictable costs. T/F.
Answer: True


◉ List four states that workers compensation is a monopolistic state
fund..
Answer: North Dakota, Ohio, Wyoming, Washington


◉ List two states where workers comp insurance is elective..
Answer: Texas and New Jersey


◉ Things listed in Item 1 of the Information page (Dec Page) of a
workers compensation policy..

,Answer: The employers type of organization


◉ Things listed in Item 2 of the Information page (Dec Page) of a
workers compensation policy..
Answer: Policies Effective Date and Expiration Date


◉ Things listed in Item 3 of the Information page (Dec Page) of a
workers compensation policy..
Answer: the list of states in which an insured has or expects to have
operations


description of the employers liability coverage


details the limits of insurance for employers liability


◉ Things listed in Item 4 of the Information page (Dec Page) of a
workers compensation policy..
Answer: provides information used to calculate an estimated
premium


◉ What is the difference between item 3.A. and 3.C. ?.
Answer: Item 3.A. triggers Workers Compensation Insurance for the
state or states listed in which the policyholder has ongoing
operations. In item 3.C., all the other states in the U.S., except those

,shown in item 3.A. and the monopolistic states, are shown or listed
to trigger Other States Insurance for claims that could be made in
that state by employees who are there on a temporary basis. For
example, in item 3.C., a business located only in Oklahoma might
have listed: "All states except OK, ND, OH, WA, WY."


◉ What is the experience modifier and what is its purpose?.
Answer: The experience modifier reflects employers claims
experience, that is, the frequency and severity, or cost, of claims. The
experience modifier—a value that is normally more or less than
1.0—is used to calculate an employer's premium


◉ What is the general purpose of section A of the workers
compensation coverage page?.
Answer: Explains the policy's role as an insurance contract


◉ What is the general purpose of section B of the workers
compensation coverage page?.
Answer: Clarifies who is insured


◉ What is the general purpose of section C of the workers
compensation coverage page?.
Answer: Describes workers compensation law

, ◉ What is the general purpose of section D of the workers
compensation coverage page?.
Answer: Explains in which states coverage applies


◉ What is the general purpose of section E of the workers
compensation coverage page?.
Answer: Explains in which states coverage applies, Identifies
workplace locations where coverage applies


◉ Explain what Paragraph C. in the General Section of the Workers
Compensation and Employers Liability Insurance Policy does not
apply to..
Answer: Paragraph C. does not focus on federal workers or federal
workers compensation laws.


◉ Part ______________________________ of the Workers Compensation
Insurance Form outlines how the ______________________________ applies.
It applies to a bodily injury by ______________________________, or a bodily
injury by disease, that occurred ______________________________ the policy
period and which was ______________________________ by the conditions
of employment..
Answer: One,
Insurance,
Accident,
During,