COMMERCIAL CASUALTY 2026 EXAM SCRIPT
TEST PAPER QUESTIONS AND SOLUTIONS
GRADED A+
◉ In BAP physical damage section what type of protection?
Answer: provides coverage for damage to or loss of an insured's
covered auto.
◉ What other BAP coverages can be added by endorsement?
Answer: Medical payments
personal injury protection
uninsured/underinsured
motorist bodily injury and/or property damage losses
◉ List all BAP Coverage Exposures?
Answer: Liability
physical damage
comprehensive
collision
Owned auto
non-owned auto
,hired or borrowed auto
specified cause of loss
towing for private passenger
◉ What are BAP liability auto exposures that can arise out of
insured maintenance or use of several types autos?
Answer: Autos name insured owns
Autos Name insured does not own, but uses in business
Autos name insured hires or borrows
◉ List some common claims that arises out of physical damage?
Answer: Collision
windshield breakage
theft
fire
vandalism
◉ Define "Accident" in BAP
Answer: Does not have to be sudden. A Continuous or repeated
exposure to the same conditions that result in BI or PD
◉ Define "Auto" in BAP
,Answer: a land motor vehicle, trailer or semi trailer designed to
travel on public roads
subject to financial responsibility law or other MV law where it is
licensed or principally garaged
◉ Recap CGL "insured contracts"
Answer: Lease of premises
Sidetrack agreement
easement or license agreement
obligation as required by ordinance
assumed tort liability
*BAP elevator maintenance is not applicable!
◉ BAP uses LEAS plus what other "insured contract?"
Answer: Rental Lease agreement - made by name insured or any of
it's employees.
does not cover property damage to auto rented or leased by name
insured or one of the employees
◉ Recap descriptive phrases for GL mobile equipment?
Answer: "designed for use off public roads"
"used primarily to service premises you own or rent"
"moves on crawler treads"
, "self propelled or not
self propelled"
"provides mobility to permanently mounted specific equipment"
"not otherwise described ... maintained for purposes other than
transport of persons or cargo"
◉ What 6 types mobile equipment for BAP?
Answer: 1.
Bulldozers, farm machinery, forklifts and
other vehicles designed for use principally off public roads.
2.
Vehicles maintained for use solely on or next to premises you own or
rent. (The key words are
"maintained for use solely on premises you own or rent".)
3.
Vehicles that travel on crawler treads.
4.
Vehicles, whether self
-
propelled or not, maintained to provide mobility to permanently
mounted
specific equipment. (This wording includes trailers.)
TEST PAPER QUESTIONS AND SOLUTIONS
GRADED A+
◉ In BAP physical damage section what type of protection?
Answer: provides coverage for damage to or loss of an insured's
covered auto.
◉ What other BAP coverages can be added by endorsement?
Answer: Medical payments
personal injury protection
uninsured/underinsured
motorist bodily injury and/or property damage losses
◉ List all BAP Coverage Exposures?
Answer: Liability
physical damage
comprehensive
collision
Owned auto
non-owned auto
,hired or borrowed auto
specified cause of loss
towing for private passenger
◉ What are BAP liability auto exposures that can arise out of
insured maintenance or use of several types autos?
Answer: Autos name insured owns
Autos Name insured does not own, but uses in business
Autos name insured hires or borrows
◉ List some common claims that arises out of physical damage?
Answer: Collision
windshield breakage
theft
fire
vandalism
◉ Define "Accident" in BAP
Answer: Does not have to be sudden. A Continuous or repeated
exposure to the same conditions that result in BI or PD
◉ Define "Auto" in BAP
,Answer: a land motor vehicle, trailer or semi trailer designed to
travel on public roads
subject to financial responsibility law or other MV law where it is
licensed or principally garaged
◉ Recap CGL "insured contracts"
Answer: Lease of premises
Sidetrack agreement
easement or license agreement
obligation as required by ordinance
assumed tort liability
*BAP elevator maintenance is not applicable!
◉ BAP uses LEAS plus what other "insured contract?"
Answer: Rental Lease agreement - made by name insured or any of
it's employees.
does not cover property damage to auto rented or leased by name
insured or one of the employees
◉ Recap descriptive phrases for GL mobile equipment?
Answer: "designed for use off public roads"
"used primarily to service premises you own or rent"
"moves on crawler treads"
, "self propelled or not
self propelled"
"provides mobility to permanently mounted specific equipment"
"not otherwise described ... maintained for purposes other than
transport of persons or cargo"
◉ What 6 types mobile equipment for BAP?
Answer: 1.
Bulldozers, farm machinery, forklifts and
other vehicles designed for use principally off public roads.
2.
Vehicles maintained for use solely on or next to premises you own or
rent. (The key words are
"maintained for use solely on premises you own or rent".)
3.
Vehicles that travel on crawler treads.
4.
Vehicles, whether self
-
propelled or not, maintained to provide mobility to permanently
mounted
specific equipment. (This wording includes trailers.)
