CISR - PERSONAL LINES MISCELLANEOUS EXAM QUESTIONS
WITH COMPLETE SOLUTION
Insured
You, and residents of household under age of 21 or full time student under the age of
24
Business part one
Trade, profession or occupation that is full time part time or occasional. If this doesn't
apply, then you just consider part 2 of the definition
Business part two
Any activity engaged in for compensation except for the following:
1. Received less than $2k in a year prior
2. Volunteer activities when compensated for just expenses
3. Home day care when mutual exchange of day care services, no other compensation
4. Home day care of relative of an insured, even if receiving compensation
Coverage A - Dwelling: coverage for a loss to the dwelling is not affected by
business exposure
True
Coverage B: Other Structures: automatically provides coverage up to ...?
10% of the dwelling limit
Coverage B: Other Structures exclusion 1
Other structure that is rented or held for rental to anyone that is not a tenant of the
dwelling unless for solely as private garage
Coverage B: Other Structures exclusion 2
Other structure with a business exposure conducted in it (converting small bldg in
backyard into a studio for photog business)
Coverage B: Other Structures exclusion 3
Other structure to store business property unless the property is BOTH owned solely by
an insured or tenant of the dwelling AND the business property is not gaseous or liquid
fuel unless permanently installed in a vehicle/ craft parked or stored in structure
Structures rented to others endorsement
Obtain coverage for an other structure that is rented to others for use as a private
residence (garage apartment or mother in law cottage). The structure is described in the
schedule with a limit.
Permitted incidental occupancies endorsement
Must be a business of you described in schedule, typical permitted occupancies are
studios, offices, private dance/music studio
Coverage C: Personal Property
$2500 for personal prop used primarily for business while at the residence premises
and $1500 for personal property used primarily for business while away from the
residence premises. These do not apply for property used occasionally for business
Endorsement to increase coverage personal property used primarily for business
WITH COMPLETE SOLUTION
Insured
You, and residents of household under age of 21 or full time student under the age of
24
Business part one
Trade, profession or occupation that is full time part time or occasional. If this doesn't
apply, then you just consider part 2 of the definition
Business part two
Any activity engaged in for compensation except for the following:
1. Received less than $2k in a year prior
2. Volunteer activities when compensated for just expenses
3. Home day care when mutual exchange of day care services, no other compensation
4. Home day care of relative of an insured, even if receiving compensation
Coverage A - Dwelling: coverage for a loss to the dwelling is not affected by
business exposure
True
Coverage B: Other Structures: automatically provides coverage up to ...?
10% of the dwelling limit
Coverage B: Other Structures exclusion 1
Other structure that is rented or held for rental to anyone that is not a tenant of the
dwelling unless for solely as private garage
Coverage B: Other Structures exclusion 2
Other structure with a business exposure conducted in it (converting small bldg in
backyard into a studio for photog business)
Coverage B: Other Structures exclusion 3
Other structure to store business property unless the property is BOTH owned solely by
an insured or tenant of the dwelling AND the business property is not gaseous or liquid
fuel unless permanently installed in a vehicle/ craft parked or stored in structure
Structures rented to others endorsement
Obtain coverage for an other structure that is rented to others for use as a private
residence (garage apartment or mother in law cottage). The structure is described in the
schedule with a limit.
Permitted incidental occupancies endorsement
Must be a business of you described in schedule, typical permitted occupancies are
studios, offices, private dance/music studio
Coverage C: Personal Property
$2500 for personal prop used primarily for business while at the residence premises
and $1500 for personal property used primarily for business while away from the
residence premises. These do not apply for property used occasionally for business
Endorsement to increase coverage personal property used primarily for business
