COMMERCIAL CASUALTY II UPDATED ACTUAL
PRACTICE QUESTIONS WITH DETAILED
EXPLANATIONS 2026
◉ The Business Auto Coverage Form defines "auto" and "mobile
equipment." All of the following are considered autos rather than
mobile equipment as defined in the Business Auto Coverage Form
except:
a. road scraping equipment built on crawler treads
b. a self-propelled vehicle equipped with well servicing equipment
c. a cherry picker mounted on a truck chassis
d. a self-propelled vehicle designed primarily for snow removal.
Answer: a. road scraping equipment built on crawler treads
◉ Which of the following is not a reason liability coverage will
automatically be extended for a non-owned auto being used as a
temporary substitute for a covered "auto" the named insured owns
but cannot be used?
a. "Loss" or destruction
b. Breakdown
c. Service or repair
d. Insufficient towing capacity.
Answer: d. Insufficient towing capacity
,◉ Your insured has an unendorsed Business Auto Coverage Form in
which Liability is written using Symbol 1 (Any "Auto"). An employee
who is using his personal vehicle on behalf of the business has an at-
fault accident. Who is an insured under your insured's policy
a. Both the named insured and the employee
b. Only the named insured
c. Neither the named insured nor the employee
d. Only the employee.
Answer: b. Only the named insured
◉ Which of the following is not covered under Comprehensive
coverage provided by a Business Auto Coverage Form?
a. Vandalism to the service truck
b. Hail damage to the three sales vehicles parked in the parking lot
over the weekend
c. Damage to the business-owned pickup truck when the vehicle
overturns
d. The damage caused by a tree branch that falls on the roof of the
delivery van.
Answer: c. Damage to the business-owned pickup truck when the
vehicle overturns
,◉ George drove the scheduled delivery truck to the client's home to
deliver a new refrigerator. While moving the appliance with the dolly
(hand truck) into the home, it fell and damaged the flooring. Which
coverage form, if any, would provide coverage for customer's floor?
a. Commercial General Liability Form
b. Business Auto Coverage Form
c. Both the Commercial General Liability and the Business Auto
Coverage, equally
d. Neither policy since the damage was caused by the dolly (hand
truck).
Answer: b. Business Auto Coverage Form
◉ Which of the following statements is not true about workers'
compensation statutes?
a. Death benefits can include weekly income benefits for the
employee's eligible dependents.
b. Most states impose a dollar limit on medical expenses.
c. Most states have rehabilitation benefits written into their law.
d. Lost wage benefits are paid to replace the loss of income suffered
by an injured or sick employee..
Answer: b. Most states impose a dollar limit on medical expenses.
◉ Most workers' compensation statutes provide four types of
benefits. Which of the following is not one of those benefits?
, a. Payments made to an employee to replace the loss of income
suffered as a result of a work-related injury
b. Medical expenses incurred for injuries sustained by an employee
c. Payments made toward physical rehabilitation following an injury
d. Medical expenses paid to family members following an employee's
sickness.
Answer: d. Medical expenses paid to family members following an
employee's sickness
◉ Which of the following coverages is not provided by monopolistic
state funds?
a. Lost wages due to work-related sickness or injury
b. Employers' liability insurance
c. Rehabilitation benefits
d. Medical expenses for work-related injuries.
Answer: b. Employers' liability insurance
◉ The Information Page in the Workers' Compensation and
Employers' Liability Policy uses Item 3.A. to do which of the
following?
a. Trigger workers' compensation coverage in monopolistic states
only
b. Trigger Other States' Insurance coverage
c. Trigger workers' compensation coverage in listed states
PRACTICE QUESTIONS WITH DETAILED
EXPLANATIONS 2026
◉ The Business Auto Coverage Form defines "auto" and "mobile
equipment." All of the following are considered autos rather than
mobile equipment as defined in the Business Auto Coverage Form
except:
a. road scraping equipment built on crawler treads
b. a self-propelled vehicle equipped with well servicing equipment
c. a cherry picker mounted on a truck chassis
d. a self-propelled vehicle designed primarily for snow removal.
Answer: a. road scraping equipment built on crawler treads
◉ Which of the following is not a reason liability coverage will
automatically be extended for a non-owned auto being used as a
temporary substitute for a covered "auto" the named insured owns
but cannot be used?
a. "Loss" or destruction
b. Breakdown
c. Service or repair
d. Insufficient towing capacity.
Answer: d. Insufficient towing capacity
,◉ Your insured has an unendorsed Business Auto Coverage Form in
which Liability is written using Symbol 1 (Any "Auto"). An employee
who is using his personal vehicle on behalf of the business has an at-
fault accident. Who is an insured under your insured's policy
a. Both the named insured and the employee
b. Only the named insured
c. Neither the named insured nor the employee
d. Only the employee.
Answer: b. Only the named insured
◉ Which of the following is not covered under Comprehensive
coverage provided by a Business Auto Coverage Form?
a. Vandalism to the service truck
b. Hail damage to the three sales vehicles parked in the parking lot
over the weekend
c. Damage to the business-owned pickup truck when the vehicle
overturns
d. The damage caused by a tree branch that falls on the roof of the
delivery van.
Answer: c. Damage to the business-owned pickup truck when the
vehicle overturns
,◉ George drove the scheduled delivery truck to the client's home to
deliver a new refrigerator. While moving the appliance with the dolly
(hand truck) into the home, it fell and damaged the flooring. Which
coverage form, if any, would provide coverage for customer's floor?
a. Commercial General Liability Form
b. Business Auto Coverage Form
c. Both the Commercial General Liability and the Business Auto
Coverage, equally
d. Neither policy since the damage was caused by the dolly (hand
truck).
Answer: b. Business Auto Coverage Form
◉ Which of the following statements is not true about workers'
compensation statutes?
a. Death benefits can include weekly income benefits for the
employee's eligible dependents.
b. Most states impose a dollar limit on medical expenses.
c. Most states have rehabilitation benefits written into their law.
d. Lost wage benefits are paid to replace the loss of income suffered
by an injured or sick employee..
Answer: b. Most states impose a dollar limit on medical expenses.
◉ Most workers' compensation statutes provide four types of
benefits. Which of the following is not one of those benefits?
, a. Payments made to an employee to replace the loss of income
suffered as a result of a work-related injury
b. Medical expenses incurred for injuries sustained by an employee
c. Payments made toward physical rehabilitation following an injury
d. Medical expenses paid to family members following an employee's
sickness.
Answer: d. Medical expenses paid to family members following an
employee's sickness
◉ Which of the following coverages is not provided by monopolistic
state funds?
a. Lost wages due to work-related sickness or injury
b. Employers' liability insurance
c. Rehabilitation benefits
d. Medical expenses for work-related injuries.
Answer: b. Employers' liability insurance
◉ The Information Page in the Workers' Compensation and
Employers' Liability Policy uses Item 3.A. to do which of the
following?
a. Trigger workers' compensation coverage in monopolistic states
only
b. Trigger Other States' Insurance coverage
c. Trigger workers' compensation coverage in listed states
