COMMERCIAL CASUALTY II UPDATED ACTUAL
CORE COMMERCIAL LIABILITY CONCEPTS
REVIEW 2026
◉ 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,
Caused or Aggrevated
◉ Medical.
Answer: reasonable and necessary treatment for an injury
◉ Disability.
Answer: compensation for types of permanent injury, compensation
for lost wages
,◉ Rehabilitation.
Answer: restoration of an employee's physical capacity
◉ Death.
Answer: financial support for beneficiaries
◉ What are the medical and disability benefits that are associated
with workers compensation based on? What are their time limits?.
Answer: Workers compensation would pay medical costs for all
reasonable injuries, with no time limit. Disability benefits are based
on an injured employee's income and are limited to the extent of
their disability.
◉ Summarize the purpose of paragraph B. in Part One of the
Workers Compensation and Employers Liability Insurance Policy..
Answer: Following the workers compensation law that applies,
paragraph B. expresses the insurer's promise to pay required
benefits promptly.
◉ Exclusions that apply to employers liability insurance..
Answer: intentional injury caused by an employer,
federal compensation act claims,
maritime claims,
punitive damages
, ◉ Name the different kinds of claims in employer liability
insurance..
Answer: Third Party Action Over Claim,
Care Loss of Services Claim
Consequential Bodily Injury Claim
Dual Capacity Claim
◉ Third-Party Action Over Claim.
Answer: An employee is injured by a piece of equipment. The
employee sues the manufacturer. The manufacturer (the third party)
files a claim against the employer when it is discovered the employer
was aware the employee removed a safety guard to speed up the
work process.
◉ Care and Loss of Services Claim.
Answer: Dependents need care and services an injured parent can
no longer provide due to injury on the job. Also, a spouse may sue
for loss consortium or harm to the marriage relationship due to
injury.
◉ Consequential Bodily Injury Claim.
Answer: Relative suffers injury due to the injury of the employee.
CORE COMMERCIAL LIABILITY CONCEPTS
REVIEW 2026
◉ 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,
Caused or Aggrevated
◉ Medical.
Answer: reasonable and necessary treatment for an injury
◉ Disability.
Answer: compensation for types of permanent injury, compensation
for lost wages
,◉ Rehabilitation.
Answer: restoration of an employee's physical capacity
◉ Death.
Answer: financial support for beneficiaries
◉ What are the medical and disability benefits that are associated
with workers compensation based on? What are their time limits?.
Answer: Workers compensation would pay medical costs for all
reasonable injuries, with no time limit. Disability benefits are based
on an injured employee's income and are limited to the extent of
their disability.
◉ Summarize the purpose of paragraph B. in Part One of the
Workers Compensation and Employers Liability Insurance Policy..
Answer: Following the workers compensation law that applies,
paragraph B. expresses the insurer's promise to pay required
benefits promptly.
◉ Exclusions that apply to employers liability insurance..
Answer: intentional injury caused by an employer,
federal compensation act claims,
maritime claims,
punitive damages
, ◉ Name the different kinds of claims in employer liability
insurance..
Answer: Third Party Action Over Claim,
Care Loss of Services Claim
Consequential Bodily Injury Claim
Dual Capacity Claim
◉ Third-Party Action Over Claim.
Answer: An employee is injured by a piece of equipment. The
employee sues the manufacturer. The manufacturer (the third party)
files a claim against the employer when it is discovered the employer
was aware the employee removed a safety guard to speed up the
work process.
◉ Care and Loss of Services Claim.
Answer: Dependents need care and services an injured parent can
no longer provide due to injury on the job. Also, a spouse may sue
for loss consortium or harm to the marriage relationship due to
injury.
◉ Consequential Bodily Injury Claim.
Answer: Relative suffers injury due to the injury of the employee.
