CIC CASUALTY TEST REVIEW EXAM SCRIPT
2026 QUESTIONS AND COMPLETE
SOLUTIONS ALREADY PASSED
⩥ In Products - Completed Operations Hazard "your work" will be
deemed completed at the earliest of the following times: Answer: 1.
When all of the work to be done at the job site has been completed
2. When all of the work to be done at the job site has been completed if
your contract calls for work at more than one job site
3. When that part of the work done at a job site has been put to its
intended use by any person or organization other than another contractor
or subcontractor working on the same project
⩥ "Your Product" means. Answer: any goods or products other than real
property, manufactyured, sold, handled, distributed or disposed of by:
you, others trading under your name, or a person or organization whose
business or assets you have acquired
⩥ Your product also includes. Answer: Containers (other than vehicles),
materials, parts or equipment furnished in connection with such goods or
products Including:
-Warranties or representations made at any time with respect to the
fitness, quality, durability, performance or use of "Your Product"
,- The providing of or failure to provide warning or instructions
- Does not include vending machines or other property rented to or
located for the use of others but not sold
⩥ "Your Work" means. Answer: 1. Work or operations performed by you
or on your behalf
2. Materials, parts or equipment furnished in connection with such work
or operations including:
-Warranties or representations made at any time with respect to the
fitness, quality, durability, performance or use of "Your Work"
- The providing of or failure to provide warning or instructions
⩥ Completed Operation Liability. Answer: Arises from activities
involved in the operation of an organization including service and repair
activities usually done on the premises of others, after the activity has
been concluded
Coverage begins WHEN THE BUSINESS OPERATION IS
COMPLETED - NO LONGER IN INSUREDS HANDS
Work that may need service, maintenance, correction, repair or
replacement, but which is otherwise complete, will be treated as
complete
,ex. Food consumption on the named insured's premises
⩥ Liability Exposures under Coverage A. Answer: -Premises
-Operations
-Products
-Completed Operations
-Contractual
-Contingent
⩥ Contractual Liability. Answer: Arises from one party assuming
responsibility of another party
-Arises from an insured contract or other contractual obligations
ex. tenant - Landlord, Subcontractor - General Contractor
Coverage is provided for:
1. Liability in absence of the contract
2.Liability assumed in a contract or agreement that is an insured contract
and only with respect to injury or damage that occurs after the contract is
executed
, ⩥ What kind of contract for a lease of premises is not considered an
insured contract?. Answer: the portion of the contract for a lease of
premises that indemnifies any person or organization for damage by fire
to premises while rented to you or temporarily occupied by you with
permission of the owner
⩥ Endorsements that modify the insureds contract defintion. Answer:
Amendment of insured contract definition - eliminates coverage for the
sole negligence of the indemnitee under paragraph f
Contractual Liability Limitation - Eliminates the defintion of insured
contract
Contractual Liability - Railroads - Gives back coverage for construction
or demolition operations on or within 50 feet of a railroad
⩥ What is an exception in any easement or license agreement?. Answer:
connection with construction or demolition operation on or within 50
feet of a railroad
⩥ Hold Harmless agreement or Indemnity agreement. Answer: on party
(the indemnitor) promises to reimburse, and in some cases defend the
other party (the indemnitee) against claims or suits brought against the
indemnitee by a third party
2026 QUESTIONS AND COMPLETE
SOLUTIONS ALREADY PASSED
⩥ In Products - Completed Operations Hazard "your work" will be
deemed completed at the earliest of the following times: Answer: 1.
When all of the work to be done at the job site has been completed
2. When all of the work to be done at the job site has been completed if
your contract calls for work at more than one job site
3. When that part of the work done at a job site has been put to its
intended use by any person or organization other than another contractor
or subcontractor working on the same project
⩥ "Your Product" means. Answer: any goods or products other than real
property, manufactyured, sold, handled, distributed or disposed of by:
you, others trading under your name, or a person or organization whose
business or assets you have acquired
⩥ Your product also includes. Answer: Containers (other than vehicles),
materials, parts or equipment furnished in connection with such goods or
products Including:
-Warranties or representations made at any time with respect to the
fitness, quality, durability, performance or use of "Your Product"
,- The providing of or failure to provide warning or instructions
- Does not include vending machines or other property rented to or
located for the use of others but not sold
⩥ "Your Work" means. Answer: 1. Work or operations performed by you
or on your behalf
2. Materials, parts or equipment furnished in connection with such work
or operations including:
-Warranties or representations made at any time with respect to the
fitness, quality, durability, performance or use of "Your Work"
- The providing of or failure to provide warning or instructions
⩥ Completed Operation Liability. Answer: Arises from activities
involved in the operation of an organization including service and repair
activities usually done on the premises of others, after the activity has
been concluded
Coverage begins WHEN THE BUSINESS OPERATION IS
COMPLETED - NO LONGER IN INSUREDS HANDS
Work that may need service, maintenance, correction, repair or
replacement, but which is otherwise complete, will be treated as
complete
,ex. Food consumption on the named insured's premises
⩥ Liability Exposures under Coverage A. Answer: -Premises
-Operations
-Products
-Completed Operations
-Contractual
-Contingent
⩥ Contractual Liability. Answer: Arises from one party assuming
responsibility of another party
-Arises from an insured contract or other contractual obligations
ex. tenant - Landlord, Subcontractor - General Contractor
Coverage is provided for:
1. Liability in absence of the contract
2.Liability assumed in a contract or agreement that is an insured contract
and only with respect to injury or damage that occurs after the contract is
executed
, ⩥ What kind of contract for a lease of premises is not considered an
insured contract?. Answer: the portion of the contract for a lease of
premises that indemnifies any person or organization for damage by fire
to premises while rented to you or temporarily occupied by you with
permission of the owner
⩥ Endorsements that modify the insureds contract defintion. Answer:
Amendment of insured contract definition - eliminates coverage for the
sole negligence of the indemnitee under paragraph f
Contractual Liability Limitation - Eliminates the defintion of insured
contract
Contractual Liability - Railroads - Gives back coverage for construction
or demolition operations on or within 50 feet of a railroad
⩥ What is an exception in any easement or license agreement?. Answer:
connection with construction or demolition operation on or within 50
feet of a railroad
⩥ Hold Harmless agreement or Indemnity agreement. Answer: on party
(the indemnitor) promises to reimburse, and in some cases defend the
other party (the indemnitee) against claims or suits brought against the
indemnitee by a third party
