CIC COMMERCIAL MULTILINE TESTS EXAM CERTIFICATION EVALUATION TESTED
QUESTIONS FULL SOLUTION GUIDE
CIC Commercial Multiline Tests EXAM 2026/2027
Actual Paper WITH Verified Questions and Answers
Verified Solutions Latest Update
Question:
Identify and apply the defense and settlement provision under the ISO commercial cyber insurance
policy (LO8).
Answer:
Only applies to insuring agreement 6 Security Breach Liability Insurer has the right and duty to
defend No coverage no defense Defense expenses are payable within and not in addition to the
limits
Question:
Identify and apply the exclusions under the ISO commercial cyber insurance policy.
Answer:
Exclusions are numerous and vary by insurer Lighting earthquake, hail, volcanic action or other acts
of nature, War warlike action or insurrection Patogenic biological or chemical materials nuclear
radiation Bodily injury or physical damage to or destruction of tangible property including loss of
use Unexplained or indeterminable failure malfunction or slowdown of the computer system or
inability to access electronic data Any disruption due to insufficient capacity to process transaction
or due to an overload of activity on computer system or network other than a cyber incident. Any
disruption of internet service or external telecommunication network Failure of reduction in or surge
power Violation of RICO and its amendments of similar law Malfunction or failure of any atelier
Oral of written material published with knowledge of falsity Contractual liability***** Patent or
trade secret violations Pollutions or pollution related h Prior or pending claims Employment
practices related liability Awareness that any insured had prior to the effective date of the policy
Question:
conditions found in cyber policies by the insured and insurer before, during, and after a claim or
loss.
Answer:
,- subrogation representations (must be correct) changes in exposure (acquisitions or creation of
organization, acquisition of named insured, cessation of subsidiaries) other insurance (may be
excess coverage) separation of insureds (2 named insureds for ex) duties in the event of claim or loss
valuation (USD) confidentiality (cannot say you have extortion coverage) territory (worldwide,
limited worldwide, universe)
Question:
Identify and describe the sources of liability that can result in an employee not-related practices
claim. (LO1).
Answer:
A. Workplace Torts Workplace torts may be based on negligence(reasonable person: foreseeability)
or intentional torts Preserves full right of action if a federal case falters Too many think it is only a
federal issue and "right-to-work" protect them in certain states B. Breach of Contract Written
contacts (including employment contract and collective bargaining agreements) Implied contracts
(job offer letter, employee manual, oral promises, evaluations, tenure) C. Violation of Statutes
Regarding Employment Practices some small businesses are exempt
Question:
Examples of workplace torts (LO1).
Answer:
- Bullying, humiliation or other types of infliction of emotional distress Invasion of privacy
Coercion Libel, slander, defamation of character Negligent hiring practices Negligent supervision
Retaliation Wrongful or negligent evaluations, criticism, demotions, discipline Wrongful detention
or imprisonment Wrongful termination
Question:
Determine whether a person or organization qualifies as an insured person in the event of a claim
situation and whether an exclusion or limitation applies (LO2).
Answer:
Named Insured Organization indicated on the declarations Insured Persons Directors, officers
trustees of the organization Employees Volunteer or an intern Independent contractors
, Question:
Identify the key elements in an employment practices liability insurance policy insuring agreement.
(LO3).
Answer:
1. Pays sums the insured becomes legally obligated to pay as damages 2. Resulting from a
"wrongful act" 3. Right and duty to defend any "suit" seeking damages for wrongful act 4. Consent
to settle
Question:
Describe the insurance protection that may be provided for liability to third parties under and EPLI
policy. (LO4).
Answer:
1. EPLI policies are typically written to provide coverage for claims filed by employees. 2.
Coverage may not apply to a claim against the insured by a third party. Which are usually
individuals that the business have contact with such as customer clients, vendors, contractors,
volunteers. 3. Some EPLI policies provide this coverage by endorsement while the majority of
coverage forms have a sepearte insuring agreement for third party liability. 4. Coverage may be
limited to only certain types of third parties and not all third parties. 5. BEWARE coverage may be
limited to certain wrongful acts such as discrimination and/or harassment claims.
Question:
exclusions for EPLI.
Answer:
- criminal, fraud, malicious acts contractual liability workers comp, disability benefits, and similar
laws violations of certain federal acts strikes and lockouts prior or pending litigation prior events or
activities wage and hour violations
Question:
Apply the definition of wrongful act as contained in an EPLI policy. (LO5).
Answer:
QUESTIONS FULL SOLUTION GUIDE
CIC Commercial Multiline Tests EXAM 2026/2027
Actual Paper WITH Verified Questions and Answers
Verified Solutions Latest Update
Question:
Identify and apply the defense and settlement provision under the ISO commercial cyber insurance
policy (LO8).
Answer:
Only applies to insuring agreement 6 Security Breach Liability Insurer has the right and duty to
defend No coverage no defense Defense expenses are payable within and not in addition to the
limits
Question:
Identify and apply the exclusions under the ISO commercial cyber insurance policy.
Answer:
Exclusions are numerous and vary by insurer Lighting earthquake, hail, volcanic action or other acts
of nature, War warlike action or insurrection Patogenic biological or chemical materials nuclear
radiation Bodily injury or physical damage to or destruction of tangible property including loss of
use Unexplained or indeterminable failure malfunction or slowdown of the computer system or
inability to access electronic data Any disruption due to insufficient capacity to process transaction
or due to an overload of activity on computer system or network other than a cyber incident. Any
disruption of internet service or external telecommunication network Failure of reduction in or surge
power Violation of RICO and its amendments of similar law Malfunction or failure of any atelier
Oral of written material published with knowledge of falsity Contractual liability***** Patent or
trade secret violations Pollutions or pollution related h Prior or pending claims Employment
practices related liability Awareness that any insured had prior to the effective date of the policy
Question:
conditions found in cyber policies by the insured and insurer before, during, and after a claim or
loss.
Answer:
,- subrogation representations (must be correct) changes in exposure (acquisitions or creation of
organization, acquisition of named insured, cessation of subsidiaries) other insurance (may be
excess coverage) separation of insureds (2 named insureds for ex) duties in the event of claim or loss
valuation (USD) confidentiality (cannot say you have extortion coverage) territory (worldwide,
limited worldwide, universe)
Question:
Identify and describe the sources of liability that can result in an employee not-related practices
claim. (LO1).
Answer:
A. Workplace Torts Workplace torts may be based on negligence(reasonable person: foreseeability)
or intentional torts Preserves full right of action if a federal case falters Too many think it is only a
federal issue and "right-to-work" protect them in certain states B. Breach of Contract Written
contacts (including employment contract and collective bargaining agreements) Implied contracts
(job offer letter, employee manual, oral promises, evaluations, tenure) C. Violation of Statutes
Regarding Employment Practices some small businesses are exempt
Question:
Examples of workplace torts (LO1).
Answer:
- Bullying, humiliation or other types of infliction of emotional distress Invasion of privacy
Coercion Libel, slander, defamation of character Negligent hiring practices Negligent supervision
Retaliation Wrongful or negligent evaluations, criticism, demotions, discipline Wrongful detention
or imprisonment Wrongful termination
Question:
Determine whether a person or organization qualifies as an insured person in the event of a claim
situation and whether an exclusion or limitation applies (LO2).
Answer:
Named Insured Organization indicated on the declarations Insured Persons Directors, officers
trustees of the organization Employees Volunteer or an intern Independent contractors
, Question:
Identify the key elements in an employment practices liability insurance policy insuring agreement.
(LO3).
Answer:
1. Pays sums the insured becomes legally obligated to pay as damages 2. Resulting from a
"wrongful act" 3. Right and duty to defend any "suit" seeking damages for wrongful act 4. Consent
to settle
Question:
Describe the insurance protection that may be provided for liability to third parties under and EPLI
policy. (LO4).
Answer:
1. EPLI policies are typically written to provide coverage for claims filed by employees. 2.
Coverage may not apply to a claim against the insured by a third party. Which are usually
individuals that the business have contact with such as customer clients, vendors, contractors,
volunteers. 3. Some EPLI policies provide this coverage by endorsement while the majority of
coverage forms have a sepearte insuring agreement for third party liability. 4. Coverage may be
limited to only certain types of third parties and not all third parties. 5. BEWARE coverage may be
limited to certain wrongful acts such as discrimination and/or harassment claims.
Question:
exclusions for EPLI.
Answer:
- criminal, fraud, malicious acts contractual liability workers comp, disability benefits, and similar
laws violations of certain federal acts strikes and lockouts prior or pending litigation prior events or
activities wage and hour violations
Question:
Apply the definition of wrongful act as contained in an EPLI policy. (LO5).
Answer:
