CISR - Personal Lines Miscellaneous Questions with Correct Answers 2025

CISR - Personal Lines Miscellaneous Questions
with Correct Answers 2025
WhatGisGaGtrade?G-GCORRECTGANSWERG-SkilledGmanualGorGmechanicalGwork.G



Examples:GPainter,GCarpenter,GElectrician,Getc.



WhatGisGaGprofession?G-GCORRECTGANSWERG-
AGvocationGrequiringGadvancedGeducationGandGtraining.G



Examples:GPhysician,GDentist,GAttorney,GVeterinarian,Getc.



WhatGisGanGoccupation?G-GCORRECTGANSWERG-
AnGactivityGorGpursuitGinGwhichGaGpersonGisGengaged;GaGperson'sGusualGorGprincipalGworkGorGbusin
ess.



WhatGareGtheGtwoGpartsGofGtheGdefinitionGofG"Business"?G-GCORRECTGANSWERG-PartG1G-
GAGbusinessGincludesGaGtrade,Gprofession,GorGoccupationGengagedGinGonGaGfull-time,Gpart-


time,GorGoccasionalGbasis.



PartG2G-
GAGbusinessGisGanyGactivityGthatGisGengagedGinGforGmoneyGorGotherGcompensation GunlessGitGisGoneG


ofGfourGcitedGactivities.



WhatGareGtheGfourGcitedGactivitiesGthatGcanGvoidGtheGdefinitionGofGbusiness?G-
GCORRECTGANSWERG-1G-


GOneGorGmoreGactivitiesGforGwhichGnoG"insured"GreceivedGmoreGthanG$2,000GinGtheG12GmonthsGpri


orGtoGtheGbeginningGofGtheGpolicyGperiod.

,2G-
GVolunteerGactivitiesGwhereGnoGcompensationGisGreceivedGotherGthanGreimbursementGofGexpense


s.



3G-
GHomeGdayGcareGprovidedGwithoutGcompensationGevenGifGthereGisGaGmutualGexchangeGofGdayGcare


Gservices.




4G-GHomeGdayGcareGtoGaGrelativeGofGanG"insured"GevenGifGreceivingGcompensationGforGtheGservices.



IsGcoverageGforGaGlossGtoGtheGCoverageGAG-GDwellingGeffectedGbyG"business"Guse?G-
GCORRECTGANSWERG-NoG-


GthereGisGnotGaGlimitationGorGexclusionGforGaGdwellingGwithGaG"business"Gexposure.




WhatGdoesGtheGHomeownersG3G-
GSpecialGFormGpolicyGautomaticallyGincludeGinGregardsGtoGCoverageGAG-GDwellingG&GCoverageGBG-


GOtherGStructures?G-GCORRECTGANSWERG-ItGautomaticallyGincludesGCoverageGBG-


GOtherGStructuresGcoverageGupGtoG10%GofGCoverageGAG-GDwellingGlimit.




UnderGtheGHomeownersG3G-
GSpecialGFormGpolicy,GwhatGthreeGexclusionsGapplyGtoGanGotherGstructure?G-GCORRECTGANSWERG-


1G-
GAnGotherGstructureGthatGisGrentedGorGheldGforGrentalGtoGanyoneGnotGaGtenantGofGtheGdwellingGunle


ssGforGuseGsolelyGasGaGprivateGgarage.



2G-GAnGotherGstructureGwithGaGbusinessGconductedGinGit.



3G-
GAnGotherGstructureGusedGtoGstoreG"business"GpropertyGunlessGtheGpropertyGisGboth:G(1)GOwnedGs


olelyGbyGanG"insured"GorGtenantGofGtheGdwellingG&G(2)GTheG"business"GpropertyGisGnotGgaseousGorG

, liquidGfuelGunlessGitGisGinGaGpermanentlyGinstalledGfuelGtankGofGaGvehicleGorGcraftGparkedGorGstoredG
inGtheGstructure.



WhatGisGtheGStructuresGRentedGtoGOthersG-
GResidenceGPremisesGHOG04G40GendorsementGusedGtoGobtain?G-GCORRECTGANSWERG-


UsedGtoGobtainGcoverageGforGanGotherGstructureGthatGisGrentedGtoGothersGforGuseGasGaGprivateGresi
dence.



TheGotherGstructureGisGdescribedGinGtheGScheduleGwithGaGLimitGofGLiability.



WhatGisGtheGPermittedGIncidentalGOccupanciesG-GResidenceGPremisesGHOG04G42GusedGfor?G-
GCORRECTGANSWERG-


AnGotherGstructureGwithGanGeligibleGincidentalG"business"GexposureGtypicallyGoffices,Gschools,GorGs
tudios.



TheGLimitGofGLiabilityG&GDescriptionGofGOtherGStructureGmustGbeGshownGinGtheGSchedule.



UnderGaGstandardGISOGHomeownersGpolicy,GwhatGareGtheGtwoGCoverageGCG-
GPersonalGPropertyGSpecialGLimitsGofGLiabilityGthatGapplyGtoGpropertyGusedGprimarilyGforGbusiness?


G-GCORRECTGANSWERG-1G-


G$2,500.00GforGpersonalGpropertyGusedGprimarilyGforG"business"GwhileGonGtheG"residenceGpremise


s."



2G-
G$1,500.00GforGpersonalGpropertyGusedGprimarilyGforG"business"GwhileGawayGfromGtheG"residenceG


premises"



*TheGlimitationsGdoGnotGapplyGtoGpropertyGusedGoccasionallyGforG"business."