CIC COMMERCIAL CASUALTY CGL FINAL
EXAM SCRIPT 2026 COMPLETE STUDY PACK
WITH ANSWERS
◉ Ongoing Operations Covered Under: Answer: Covered Under
Coverage A
◉ Products Covered Under: Answer: Covered Under Coverage A
◉ Completed Operations Covered Under: Answer: Covered Under
Coverage A
◉ Contractual Liability Covered Under: Answer: Covered Under
Coverage A
◉ Contingent Liability - Coverage A Answer: Arises out of work
performed for the Named Insured by someone else
◉ Coverage A is: Answer: Bodily Injury and Property Damage
◉ Contractual Liability - Coverage A Answer: Arises from one party
assuming liability for another party
,◉ Coverage B is: Answer: Personal and Advertising Injury
◉ Coverage C is: Answer: Medical Payments
◉ Coverage C Covers Answer: Medical Payments: Premises and
Operations
◉ Coverage B Covers Answer: Personal and Advertising Injury:
Operations and Contingent
◉ Who is an Insured for Individual Answer: Named Insured and Spouse
◉ Who is an Insured for Partnership or Joint Venture Answer: Named
Partnership, Named Joint Venture, Partners, Members, Spouses
◉ Who is an Insured for Limited Liability Company Answer: Named
LLC, Members, Managers
◉ Who is an Insured for Organization Answer: Named Entity, Executive
Officers, Directors, Stockholders
◉ Who is an Insured for Trust Answer: Named Trust, Trustees
,◉ Who are the OTHERS included as AUTOMATIC INSUREDS (Under
Who is an Insured) Answer: Employees & Voluntary Workers; Real
Estate Managers; Legal Representatives if Named Insured Dies; Person
or Organization with Temporary Custody if Named Insured Dies; Newly
Acquired or Newly Formed Entities
◉ The Definition of Employee and Leased Worker does not Include:
Answer: Temporary Workers
◉ What type of Workers are covered as Automatic Insureds? Answer:
Employees and Voluntary Workers
◉ What type of Workers ARE NOT covered as Automatic Insureds?
Answer: Temporary Workers
◉ Newly Acquired or Newly Formed Entities DO NOT Include Answer:
Partnerships, Joint Ventures, or LLCs
◉ How long is a Newly Acquired or Formed Entity Covered as an
Automatic Insured? Answer: For 90 Days or End of Policy Period;
WHICHEVER IS EARLIER
◉ Spouses of any type of named insured are automatically considered
insureds. T/F Answer: False
, ◉ A partnership is the only named insured listed on a CGL policy. A
partner of partnership buys a building in his/her own name during the
policy period. A bodily injury loss occurs at that building, and the
partner is sued for damages. Does the partner have insured status under
the partnership's CGL policy for this suit? Why? Answer: No - Because
only one partner just purchased building so there is no automatic insured
coverage
◉ A nurse employed at a rehab center administers the wrong medication
to a patient resulting in jury. A suit is filed against the nurse for damages.
Does the nurse have insured status under the rehab center's CGL policy?
Answer: No - No coverage under bodily injury for employees/volunteer
workers arising out of his or her providing or failing to provide
professional health care services
◉ A named insured a corporation 30 days prior to the named insured's
CGL Policy's expiration date. Which of the following is an accurate
statement?
- In this scenario, the newly acquired corporation automatically qualifies
as a named insured but only until the end of the policy period
- Newly acquired corporations always have automatic insured status for
90 days
EXAM SCRIPT 2026 COMPLETE STUDY PACK
WITH ANSWERS
◉ Ongoing Operations Covered Under: Answer: Covered Under
Coverage A
◉ Products Covered Under: Answer: Covered Under Coverage A
◉ Completed Operations Covered Under: Answer: Covered Under
Coverage A
◉ Contractual Liability Covered Under: Answer: Covered Under
Coverage A
◉ Contingent Liability - Coverage A Answer: Arises out of work
performed for the Named Insured by someone else
◉ Coverage A is: Answer: Bodily Injury and Property Damage
◉ Contractual Liability - Coverage A Answer: Arises from one party
assuming liability for another party
,◉ Coverage B is: Answer: Personal and Advertising Injury
◉ Coverage C is: Answer: Medical Payments
◉ Coverage C Covers Answer: Medical Payments: Premises and
Operations
◉ Coverage B Covers Answer: Personal and Advertising Injury:
Operations and Contingent
◉ Who is an Insured for Individual Answer: Named Insured and Spouse
◉ Who is an Insured for Partnership or Joint Venture Answer: Named
Partnership, Named Joint Venture, Partners, Members, Spouses
◉ Who is an Insured for Limited Liability Company Answer: Named
LLC, Members, Managers
◉ Who is an Insured for Organization Answer: Named Entity, Executive
Officers, Directors, Stockholders
◉ Who is an Insured for Trust Answer: Named Trust, Trustees
,◉ Who are the OTHERS included as AUTOMATIC INSUREDS (Under
Who is an Insured) Answer: Employees & Voluntary Workers; Real
Estate Managers; Legal Representatives if Named Insured Dies; Person
or Organization with Temporary Custody if Named Insured Dies; Newly
Acquired or Newly Formed Entities
◉ The Definition of Employee and Leased Worker does not Include:
Answer: Temporary Workers
◉ What type of Workers are covered as Automatic Insureds? Answer:
Employees and Voluntary Workers
◉ What type of Workers ARE NOT covered as Automatic Insureds?
Answer: Temporary Workers
◉ Newly Acquired or Newly Formed Entities DO NOT Include Answer:
Partnerships, Joint Ventures, or LLCs
◉ How long is a Newly Acquired or Formed Entity Covered as an
Automatic Insured? Answer: For 90 Days or End of Policy Period;
WHICHEVER IS EARLIER
◉ Spouses of any type of named insured are automatically considered
insureds. T/F Answer: False
, ◉ A partnership is the only named insured listed on a CGL policy. A
partner of partnership buys a building in his/her own name during the
policy period. A bodily injury loss occurs at that building, and the
partner is sued for damages. Does the partner have insured status under
the partnership's CGL policy for this suit? Why? Answer: No - Because
only one partner just purchased building so there is no automatic insured
coverage
◉ A nurse employed at a rehab center administers the wrong medication
to a patient resulting in jury. A suit is filed against the nurse for damages.
Does the nurse have insured status under the rehab center's CGL policy?
Answer: No - No coverage under bodily injury for employees/volunteer
workers arising out of his or her providing or failing to provide
professional health care services
◉ A named insured a corporation 30 days prior to the named insured's
CGL Policy's expiration date. Which of the following is an accurate
statement?
- In this scenario, the newly acquired corporation automatically qualifies
as a named insured but only until the end of the policy period
- Newly acquired corporations always have automatic insured status for
90 days
