CISR COMMERCIAL CASUALTY 1 EXAMS 2026/2027 SCRIPT
PAPER QUESTIONS AND SOLUTIONS RATED A+
✔✔Occurrence - ✔✔a one-time accident OR exposure to a harmful condition that is
either repeated over a long period of time or is continuous
✔✔Offense - ✔✔an intentional act causing damages or injury to another
✔✔Personal and Advertising Injury - ✔✔injury, including consequential "bodily injury,"
arising out of one or more intentional torts
✔✔Pollutant - ✔✔any solid, liquid, gaseous, or thermal irritant or contaminant, including
smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste
✔✔Products - ✔✔any goods or products, other than real property, manufactured, sold,
handled, distributed, or disposed of by you
✔✔Property Damage - ✔✔physical injury to tangible property, including all resulting loss
of use of that property
✔✔Punitive Damages - ✔✔the costs awarded to an aggrieved person due to
negligence that exceeds the cost of special or general damages and is levied against
the plaintiff as punishment for reckless behavior
✔✔Risk - ✔✔the possibility of gain or loss that accompanies a set of possible events
✔✔Slander - ✔✔an intentional tort delivered in a spoken form; something stated that is
untrue
✔✔Special Damages - ✔✔specific dollar amounts that cover the costs of medical bills,
lost income, rehabilitation expenses, or the repair or replacement of property
✔✔Statutes - ✔✔laws written by legislative bodies; laws which modify common law
✔✔Statutory Liability - ✔✔liability based on state laws and may govern business
activities around the sale or service of liquor, employment-related regulations, and
workers' compensation claims
✔✔Subrogation - ✔✔where the insurance company attempts to recover from a
responsible party money that it has paid out for a claim
✔✔Suit - ✔✔a civil proceeding in which damages due to "bodily injury," "property
damage," or "personal and advertising injury" to which the insurance applies are alleged
PAPER QUESTIONS AND SOLUTIONS RATED A+
✔✔Occurrence - ✔✔a one-time accident OR exposure to a harmful condition that is
either repeated over a long period of time or is continuous
✔✔Offense - ✔✔an intentional act causing damages or injury to another
✔✔Personal and Advertising Injury - ✔✔injury, including consequential "bodily injury,"
arising out of one or more intentional torts
✔✔Pollutant - ✔✔any solid, liquid, gaseous, or thermal irritant or contaminant, including
smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste
✔✔Products - ✔✔any goods or products, other than real property, manufactured, sold,
handled, distributed, or disposed of by you
✔✔Property Damage - ✔✔physical injury to tangible property, including all resulting loss
of use of that property
✔✔Punitive Damages - ✔✔the costs awarded to an aggrieved person due to
negligence that exceeds the cost of special or general damages and is levied against
the plaintiff as punishment for reckless behavior
✔✔Risk - ✔✔the possibility of gain or loss that accompanies a set of possible events
✔✔Slander - ✔✔an intentional tort delivered in a spoken form; something stated that is
untrue
✔✔Special Damages - ✔✔specific dollar amounts that cover the costs of medical bills,
lost income, rehabilitation expenses, or the repair or replacement of property
✔✔Statutes - ✔✔laws written by legislative bodies; laws which modify common law
✔✔Statutory Liability - ✔✔liability based on state laws and may govern business
activities around the sale or service of liquor, employment-related regulations, and
workers' compensation claims
✔✔Subrogation - ✔✔where the insurance company attempts to recover from a
responsible party money that it has paid out for a claim
✔✔Suit - ✔✔a civil proceeding in which damages due to "bodily injury," "property
damage," or "personal and advertising injury" to which the insurance applies are alleged
