CISR Commercial Casualty II Test with Answers Graded A
State workers compensation laws are no-fault
systems. T/F - ANSWER -True What information does the General Section A
provide in a WC policy? - ANSWER -
Explains the policy's role as an insurance
Employer purchase of workers compensation contract.
insurance is voluntary in all state but Texas and
New Jersey. T/F - ANSWER -False; With
the exception of Texas and new Jersey, all states What information does the General Section B
have made employer purchase of workers provide in a WC policy? - ANSWER -
compensation insurance mandatory. Clarifies who in insured
One advantage of workers compensation to What information does the General Section C
employers is predictable costs. T/F - provide in a WC policy? - ANSWER -
ANSWER -True Describes workers compensation law
List 4 states that have monopolistic funds. - What information does the General Section D
ANSWER -North Dakota, Ohio, Wyoming, provide in a WC policy? - ANSWER -
Washington Explains in which states coverage applies
List 2 states where workers compensation is What information does the General Section E in a
elective for employers. - ANSWER -Texas WC policy? - ANSWER -Explains in which
and New Jersey states coverage applies and identifies workplace
locations where coverage applies
Both item 3A and item 3C of the information
pages of a WC policy list the states the policy Explain what Paragraph C in the General Section
covers. Explain the difference between these two of the WC and EL insurance policy does not
items. - ANSWER -3A triggers WC apply to. - ANSWER -Paragraph C does not
insurance for the state or state listed in which the focus on federal workers or federal workers
policyholder currently has ongoing business. 3C compensation laws.
lists all of other states except those listed in 3A
and monopolistic states that the policyholder may
conduct business during the policy term. What is the correct compensation category for
the following benefit: Reasonable and necessary
treatment for an injury - ANSWER -Medical
What is the experience modifier, and what is its
purpose? - ANSWER -The experience
modifier reflects employers claims experience, What is the correct compensation category for
that is, the frequency and severity, or cost, of the following benefit: Compensation for types or
claims. The experience modifier is used to permanent injury - ANSWER -Disability
calculate an employers premium.
[Type here]
, CISR Commercial Casualty II Test with Answers Graded A
What is the correct compensation category for crew of a vessel? - ANSWER -Maritime
the following benefit: Compensation for lost Coverage Endorsement
wages - ANSWER -Disability
Which endorsement on a WC policy would you
What is the correct compensation category for use to cover employees who load or unload
the following benefit: Financial support for ships? - ANSWER -Longshore and Harbor
beneficiaries - ANSWER -Death Worker Coverage Endorsment
What is the correct compensation category for Which endorsement on a WC policy would you
the following benefit: Restoration of an use to cover employees who are not explicitly
employee's physical capacity - ANSWER - covered by the workers compensation law? -
Rehabilitation ANSWER -Voluntary Compensation
Endorsement
What are the medical and disability benefits that
are associated with workers comp based on? Which endorsement on a WC policy would you
What are their time limits? - ANSWER -WC use to cover repariation expenses of an
would pay medical costs for all reasonable employee injured overseas? - ANSWER -
injuries, with no time limits. Disability benefits are Foreign Workers Compensation Coverage
based on an injured employee's income and are Endorsement
limited to the extent of their disability.
Worker compensation is a(n) _____________ in
Summarize the purpose of paragraph B in Part which employees who incur workplace injuries
One of the WC and EL insurance policy. - receive benefits by law, while employers are
ANSWER -Following the workers protected from employee lawsuits. -
compensation law that applies, paragraph B ANSWER -no-fault system
expresses the insurer's promise to pay required
benefits promptly.
With the exception of Texas and New Jersey, all
state have made employer purchase of workers
What type of employers liability claim applies to compensation coverage _____________. -
the following scenario: Some key safety rules are ANSWER -Mandatory
being ignored at Company XYZ- the insured. A
company employee is fatally injured in a job-site
accident. The employee's widow and children The most common funding option for the
sue the employer for loss of the care and purchase of a Workers Com Policy is from a(n)
companionship of their husband and father - ________________ that sells the coverage. -
ANSWER -Care and Loss of Services ANSWER -Insurance company
Claim
A(n) _________________ state fund is a state-
Which endorsement on a WC policy would you created, state-owned, and state-operated
use to cover employees who are the masters or
[Type here]
State workers compensation laws are no-fault
systems. T/F - ANSWER -True What information does the General Section A
provide in a WC policy? - ANSWER -
Explains the policy's role as an insurance
Employer purchase of workers compensation contract.
insurance is voluntary in all state but Texas and
New Jersey. T/F - ANSWER -False; With
the exception of Texas and new Jersey, all states What information does the General Section B
have made employer purchase of workers provide in a WC policy? - ANSWER -
compensation insurance mandatory. Clarifies who in insured
One advantage of workers compensation to What information does the General Section C
employers is predictable costs. T/F - provide in a WC policy? - ANSWER -
ANSWER -True Describes workers compensation law
List 4 states that have monopolistic funds. - What information does the General Section D
ANSWER -North Dakota, Ohio, Wyoming, provide in a WC policy? - ANSWER -
Washington Explains in which states coverage applies
List 2 states where workers compensation is What information does the General Section E in a
elective for employers. - ANSWER -Texas WC policy? - ANSWER -Explains in which
and New Jersey states coverage applies and identifies workplace
locations where coverage applies
Both item 3A and item 3C of the information
pages of a WC policy list the states the policy Explain what Paragraph C in the General Section
covers. Explain the difference between these two of the WC and EL insurance policy does not
items. - ANSWER -3A triggers WC apply to. - ANSWER -Paragraph C does not
insurance for the state or state listed in which the focus on federal workers or federal workers
policyholder currently has ongoing business. 3C compensation laws.
lists all of other states except those listed in 3A
and monopolistic states that the policyholder may
conduct business during the policy term. What is the correct compensation category for
the following benefit: Reasonable and necessary
treatment for an injury - ANSWER -Medical
What is the experience modifier, and what is its
purpose? - ANSWER -The experience
modifier reflects employers claims experience, What is the correct compensation category for
that is, the frequency and severity, or cost, of the following benefit: Compensation for types or
claims. The experience modifier is used to permanent injury - ANSWER -Disability
calculate an employers premium.
[Type here]
, CISR Commercial Casualty II Test with Answers Graded A
What is the correct compensation category for crew of a vessel? - ANSWER -Maritime
the following benefit: Compensation for lost Coverage Endorsement
wages - ANSWER -Disability
Which endorsement on a WC policy would you
What is the correct compensation category for use to cover employees who load or unload
the following benefit: Financial support for ships? - ANSWER -Longshore and Harbor
beneficiaries - ANSWER -Death Worker Coverage Endorsment
What is the correct compensation category for Which endorsement on a WC policy would you
the following benefit: Restoration of an use to cover employees who are not explicitly
employee's physical capacity - ANSWER - covered by the workers compensation law? -
Rehabilitation ANSWER -Voluntary Compensation
Endorsement
What are the medical and disability benefits that
are associated with workers comp based on? Which endorsement on a WC policy would you
What are their time limits? - ANSWER -WC use to cover repariation expenses of an
would pay medical costs for all reasonable employee injured overseas? - ANSWER -
injuries, with no time limits. Disability benefits are Foreign Workers Compensation Coverage
based on an injured employee's income and are Endorsement
limited to the extent of their disability.
Worker compensation is a(n) _____________ in
Summarize the purpose of paragraph B in Part which employees who incur workplace injuries
One of the WC and EL insurance policy. - receive benefits by law, while employers are
ANSWER -Following the workers protected from employee lawsuits. -
compensation law that applies, paragraph B ANSWER -no-fault system
expresses the insurer's promise to pay required
benefits promptly.
With the exception of Texas and New Jersey, all
state have made employer purchase of workers
What type of employers liability claim applies to compensation coverage _____________. -
the following scenario: Some key safety rules are ANSWER -Mandatory
being ignored at Company XYZ- the insured. A
company employee is fatally injured in a job-site
accident. The employee's widow and children The most common funding option for the
sue the employer for loss of the care and purchase of a Workers Com Policy is from a(n)
companionship of their husband and father - ________________ that sells the coverage. -
ANSWER -Care and Loss of Services ANSWER -Insurance company
Claim
A(n) _________________ state fund is a state-
Which endorsement on a WC policy would you created, state-owned, and state-operated
use to cover employees who are the masters or
[Type here]
