CISR COMMERCIAL CASUALTY 1 COMPREHENSIVE
2026/2027 QUESTIONS AND SOLUTIONS RATED A+
✔✔Which of the following statements is NOT true regarding Supplementary Payments
under Coverages A and B?
A. Supplementary Payments are made in addition to the limits of liability.
B. Supplemental Payments will pay the insured for loss of earnings up to the policy limit
when assisting the company in the investigation or defense of a claim or suit.
C. Supplementary Payments will only be made if the conditions are met, including the
indemnitee agreeing to cooperate with the insurance company, as well as providing
authorization to obtain necessary records.
D. Supplementary Payments can cover a range of costs related to investigating and
settling claims, as well as costs for suits against the insured which the company
defends. - ✔✔B. Supplemental Payments will pay the insured for loss of earnings up to
the policy limit when assisting the company in the investigation or defense of a claim or
suit.
($250 a day, not up to policy limit)
✔✔Describe the purpose of ISO "automatic" Additional Insured endorsements? - ✔✔To
provide automatic insured status for any person or organization when agreed to in a
written contract or in an agreement between the Named Insured and the other person or
organization
✔✔Which of the following is true regarding the recent ISO endorsement CG 20 11
Additional insured - Managers or Lessors of Premises?
A. It does not provide liability coverage arising out of the use of that part of the premises
leased by the Named Insured and shown in the schedule.
B. It provides liability coverage due to structural alterations, new construction, or
demolition performed by the Additional Insured.
C. It provides coverage for the Additional Insured even after the Named Insured ceases
to be a tenant.
D. It modifies the Who Is An Insured provision to include the person or organization
shown in the schedule. - ✔✔D. It modifies the Who Is An Insured provision to include
the person or organization shown in the schedule.
✔✔Your insured is Simon Says, Inc. With respect to the conduct of their business,
which statement best represents the Who Is An Insured provision under this
corporation's unendorsed CGL Policy?
a. Simon Says, Inc., their executive officers, their directors, their stockholders, and their
employees
b. Simon Says, Inc., their executive officers, and their employees only
c. Simon Says, Inc., and their employees only
d. Simon Says, Inc., their executive officers, their directors, their stockholders, their
employees, and the family members of their executive officers - ✔✔a. Simon Says, Inc.,
their executive officers, their directors, their stockholders, and their employees
, ✔✔All the following are examples of compensatory damages EXCEPT
a. damages to punish a wrongdoer
b. pain and suffering
c. medical bills
d. loss income - ✔✔a. damages to punish a wrongdoer
✔✔Regarding Additional Insured endorsements, which one of the following is NOT
true?
a. The endorsement coverage often varies depending on the endorsement's edition
date.
b. All endorsements provide for the sole negligence of the Additional Insured,
regardless of the endorsement's edition date.
c. Some editions limit coverage to the Named Insured's negligence or joint negligence
of the Named Insured and Additional Insured.
d. Some editions do not provide coverage for the sole negligence of the Additional
Insured. - ✔✔b. All endorsements provide for the sole negligence of the Additional
Insured, regardless of the endorsement's edition date.
✔✔You have a client who does heavy construction work with several types of mobile
equipment. Which of the following are considered to be autos rather than mobile
equipment under the CGL Coverage Form?
a. Vehicles maintained for use solely on or next to premises the Named Insured owns
b. Vehicles with permanently attached equipment designed primarily for street cleaning
c. Vehicles that travel on crawler treads
d. Vehicles maintained primarily to provide mobility to permanently mounted power
cranes, shovels, loaders, diggers, or drills - ✔✔b. Vehicles with permanently attached
equipment designed primarily for street cleaning
✔✔Which one of the following is NOT covered under an unendorsed CGL Policy?
a. Bodily injury caused by fumes from an insured's heating system
b. Property damage caused by gasoline leaking from a storage tank located on the
insured's premises
c. Property damage caused by smoke from a "hostile fire" on the insured's premises
d. Property damage caused by leaking hydraulic fluid used for the operation of the
insured's mobile equipment - ✔✔b. Property damage caused by gasoline leaking from a
storage tank located on the insured's premises
✔✔Identifying liability exposures is important when selecting the type of liability
insurance a business may need. An electrician installs a light fixture for one of his
customers. Several weeks later, the light fixture falls, causing injury to some people
standing below. What type of liability exposure is this?
a. Operations
b. Premises
c. Products
2026/2027 QUESTIONS AND SOLUTIONS RATED A+
✔✔Which of the following statements is NOT true regarding Supplementary Payments
under Coverages A and B?
A. Supplementary Payments are made in addition to the limits of liability.
B. Supplemental Payments will pay the insured for loss of earnings up to the policy limit
when assisting the company in the investigation or defense of a claim or suit.
C. Supplementary Payments will only be made if the conditions are met, including the
indemnitee agreeing to cooperate with the insurance company, as well as providing
authorization to obtain necessary records.
D. Supplementary Payments can cover a range of costs related to investigating and
settling claims, as well as costs for suits against the insured which the company
defends. - ✔✔B. Supplemental Payments will pay the insured for loss of earnings up to
the policy limit when assisting the company in the investigation or defense of a claim or
suit.
($250 a day, not up to policy limit)
✔✔Describe the purpose of ISO "automatic" Additional Insured endorsements? - ✔✔To
provide automatic insured status for any person or organization when agreed to in a
written contract or in an agreement between the Named Insured and the other person or
organization
✔✔Which of the following is true regarding the recent ISO endorsement CG 20 11
Additional insured - Managers or Lessors of Premises?
A. It does not provide liability coverage arising out of the use of that part of the premises
leased by the Named Insured and shown in the schedule.
B. It provides liability coverage due to structural alterations, new construction, or
demolition performed by the Additional Insured.
C. It provides coverage for the Additional Insured even after the Named Insured ceases
to be a tenant.
D. It modifies the Who Is An Insured provision to include the person or organization
shown in the schedule. - ✔✔D. It modifies the Who Is An Insured provision to include
the person or organization shown in the schedule.
✔✔Your insured is Simon Says, Inc. With respect to the conduct of their business,
which statement best represents the Who Is An Insured provision under this
corporation's unendorsed CGL Policy?
a. Simon Says, Inc., their executive officers, their directors, their stockholders, and their
employees
b. Simon Says, Inc., their executive officers, and their employees only
c. Simon Says, Inc., and their employees only
d. Simon Says, Inc., their executive officers, their directors, their stockholders, their
employees, and the family members of their executive officers - ✔✔a. Simon Says, Inc.,
their executive officers, their directors, their stockholders, and their employees
, ✔✔All the following are examples of compensatory damages EXCEPT
a. damages to punish a wrongdoer
b. pain and suffering
c. medical bills
d. loss income - ✔✔a. damages to punish a wrongdoer
✔✔Regarding Additional Insured endorsements, which one of the following is NOT
true?
a. The endorsement coverage often varies depending on the endorsement's edition
date.
b. All endorsements provide for the sole negligence of the Additional Insured,
regardless of the endorsement's edition date.
c. Some editions limit coverage to the Named Insured's negligence or joint negligence
of the Named Insured and Additional Insured.
d. Some editions do not provide coverage for the sole negligence of the Additional
Insured. - ✔✔b. All endorsements provide for the sole negligence of the Additional
Insured, regardless of the endorsement's edition date.
✔✔You have a client who does heavy construction work with several types of mobile
equipment. Which of the following are considered to be autos rather than mobile
equipment under the CGL Coverage Form?
a. Vehicles maintained for use solely on or next to premises the Named Insured owns
b. Vehicles with permanently attached equipment designed primarily for street cleaning
c. Vehicles that travel on crawler treads
d. Vehicles maintained primarily to provide mobility to permanently mounted power
cranes, shovels, loaders, diggers, or drills - ✔✔b. Vehicles with permanently attached
equipment designed primarily for street cleaning
✔✔Which one of the following is NOT covered under an unendorsed CGL Policy?
a. Bodily injury caused by fumes from an insured's heating system
b. Property damage caused by gasoline leaking from a storage tank located on the
insured's premises
c. Property damage caused by smoke from a "hostile fire" on the insured's premises
d. Property damage caused by leaking hydraulic fluid used for the operation of the
insured's mobile equipment - ✔✔b. Property damage caused by gasoline leaking from a
storage tank located on the insured's premises
✔✔Identifying liability exposures is important when selecting the type of liability
insurance a business may need. An electrician installs a light fixture for one of his
customers. Several weeks later, the light fixture falls, causing injury to some people
standing below. What type of liability exposure is this?
a. Operations
b. Premises
c. Products
