CIC Commercial Casualty Exam-Questions with Correct Answers/
Verified/ Latest (2024/2025)
Designated insured for covered autos BACF - ✔✔provides vicarious liability coverage for and
individual or organization named in the endorsement that qualifies as an insured under the
"who is an insured" provision
Employee hired autos BACF - ✔✔provides liability and physical to autos owned by an EE
while they use their auto in the course of business
Employee as insureds - ✔✔Adds all EEs of the named insured as insureds for the use of their
personal autos for the named insureds business
When is pollution covered under BACF - ✔✔when it is a result of fuel or the fluids used by
covered auto
when it is the result of an accident away from insured's premises for pollutants not in or
upon covered autos
Exclusions found in BACF - ✔✔1. Expected/ intentional injury
2. Contractual
3. WC/EL & employee indemnification
4. Fellow EE
5. Care, Custody, Control
6. Handling of property (CGL coverage)
7. movement of property by mechanical device
8. Operations/ Completed operations
9. Pollution, War, Nuclear Hazard
10. Regular "wear & tear" of the auto
Apply physical damage exclusions in the BACF - ✔✔1. Nuc hazard/war/military action
2. extra hazardous activity
3. normal wear & tear of the auto
, 4. specific types of equipment or accessories
What coverages are afforded under coverage C of the BACF - ✔✔1. Medical payments and
funeral expenses
2. must be incurred within 3 years
3. to "insured" caused by accident
Who insured under coverage c BACF - ✔✔1. named insured while occupying any auto or
struck by any auto
2. if the named insured is an individual coverage extends to their family
3. anyone that is occupying a covered auto or its temporary substitute
Coverage C BACF exclusions - ✔✔1. vehicles used as a premises
2. vehicles owned for regular use or owned by a family member
3. BI to an EE
4. Auto business, except named insured's business
5. War
Premise of Common law states that an ER is obligated to: WCEL - ✔✔1. Provide a safe place
to work
2. Provide reasonably safe tools
3. Provide reasonably sane & sober fellow employee
4. Estb safety rules & enforce them
5. Inform EEs of inherent dangers of the job
Employers maintain these Common Law defenses: WCEL - ✔✔1. Contributory negligence
2. Fellow servant
3. Assumption of risk
Verified/ Latest (2024/2025)
Designated insured for covered autos BACF - ✔✔provides vicarious liability coverage for and
individual or organization named in the endorsement that qualifies as an insured under the
"who is an insured" provision
Employee hired autos BACF - ✔✔provides liability and physical to autos owned by an EE
while they use their auto in the course of business
Employee as insureds - ✔✔Adds all EEs of the named insured as insureds for the use of their
personal autos for the named insureds business
When is pollution covered under BACF - ✔✔when it is a result of fuel or the fluids used by
covered auto
when it is the result of an accident away from insured's premises for pollutants not in or
upon covered autos
Exclusions found in BACF - ✔✔1. Expected/ intentional injury
2. Contractual
3. WC/EL & employee indemnification
4. Fellow EE
5. Care, Custody, Control
6. Handling of property (CGL coverage)
7. movement of property by mechanical device
8. Operations/ Completed operations
9. Pollution, War, Nuclear Hazard
10. Regular "wear & tear" of the auto
Apply physical damage exclusions in the BACF - ✔✔1. Nuc hazard/war/military action
2. extra hazardous activity
3. normal wear & tear of the auto
, 4. specific types of equipment or accessories
What coverages are afforded under coverage C of the BACF - ✔✔1. Medical payments and
funeral expenses
2. must be incurred within 3 years
3. to "insured" caused by accident
Who insured under coverage c BACF - ✔✔1. named insured while occupying any auto or
struck by any auto
2. if the named insured is an individual coverage extends to their family
3. anyone that is occupying a covered auto or its temporary substitute
Coverage C BACF exclusions - ✔✔1. vehicles used as a premises
2. vehicles owned for regular use or owned by a family member
3. BI to an EE
4. Auto business, except named insured's business
5. War
Premise of Common law states that an ER is obligated to: WCEL - ✔✔1. Provide a safe place
to work
2. Provide reasonably safe tools
3. Provide reasonably sane & sober fellow employee
4. Estb safety rules & enforce them
5. Inform EEs of inherent dangers of the job
Employers maintain these Common Law defenses: WCEL - ✔✔1. Contributory negligence
2. Fellow servant
3. Assumption of risk
