COMMERCIAL CASUALTY 2026 EXAM PREP
QUESTIONS AND ANSWERS VIEW AHEAD
PRACTICE SOLUTION
◉ Recap descriptive phrases for GL mobile equipment?
Answer: "designed for use off public roads"
"used primarily to service premises you own or rent"
"moves on crawler treads"
"self propelled or not
self propelled"
"provides mobility to permanently mounted specific equipment"
"not otherwise described ... maintained for purposes other than
transport of persons or cargo"
◉ What 6 types mobile equipment for BAP?
Answer: 1.
Bulldozers, farm machinery, forklifts and
other vehicles designed for use principally off public roads.
2.
Vehicles maintained for use solely on or next to premises you own or
rent. (The key words are
"maintained for use solely on premises you own or rent".)
,3.
Vehicles that travel on crawler treads.
4.
Vehicles, whether self
-
propelled or not, maintained to provide mobility to permanently
mounted
specific equipment. (This wording includes trailers.)
5.
Other vehicles that are not self
-
propelled and are maintained primarily to provide mobility to
specific pe
rmanently attached equipment.
6.
Vehicles not otherwise described maintained primarily for purposes
other than the transportation
of persons or cargo.
◉ Describe what coverage triggers for Symbol 1
Answer: liability for any auto
,-provides the broadest coverage possible
-can be used when no owned autos, and umbrella -calls for
underlying auto coverage
◉ Describe what coverage triggers for Symbols 2, 3 & 4?
Answer: Liability, Physical Damage, Medical Payments, Personal
Injury Protection, Uninsured Motorists -for owned autos (of same
type) acquired during the policy period.
2 - owned auto
3 - owned private passenger, *Symbol three includes Towing & Labor
4 - owned auto other than private passsenger
◉ Describe what coverage triggers for Symbols 5 & 6?
Answer: Personal Injury Protection for autos required to have No-
fault benefits in the state where they are licensed or principally
garaged. - for owned autos
5- owned auto subject to no fault law
6- owned auto subject to UM, includes newly acquired autos
◉ Describe what coverage triggers for Symbol 7?
, Answer: Autos Only Liability, Physical Damage, medical Payments,
Personal Injury Protection, Uninsured Motorists - for specifically
described autos only
*triggers coverage for autos scheduled in decs
*liability for trailers the name insured does not own while attached
to schedule auto
◉ Describe what coverage triggers for Symbol 8?
Answer: Liability, Physical Damage - for hired autos
*Excludes autos those from employees, partners of LLP, members of
LLC or members of their household
◉ Describe what coverage triggers for Symbol 9?
Answer: liability for non-owned autos
*for autos the name insured DOES NOT own, lease, hire, rent or
borrow and used in business
*owned by insured employees, partners, members, and member of
household used in business or personal affairs
◉ Describe what coverage triggers for Symbol 19?
QUESTIONS AND ANSWERS VIEW AHEAD
PRACTICE SOLUTION
◉ Recap descriptive phrases for GL mobile equipment?
Answer: "designed for use off public roads"
"used primarily to service premises you own or rent"
"moves on crawler treads"
"self propelled or not
self propelled"
"provides mobility to permanently mounted specific equipment"
"not otherwise described ... maintained for purposes other than
transport of persons or cargo"
◉ What 6 types mobile equipment for BAP?
Answer: 1.
Bulldozers, farm machinery, forklifts and
other vehicles designed for use principally off public roads.
2.
Vehicles maintained for use solely on or next to premises you own or
rent. (The key words are
"maintained for use solely on premises you own or rent".)
,3.
Vehicles that travel on crawler treads.
4.
Vehicles, whether self
-
propelled or not, maintained to provide mobility to permanently
mounted
specific equipment. (This wording includes trailers.)
5.
Other vehicles that are not self
-
propelled and are maintained primarily to provide mobility to
specific pe
rmanently attached equipment.
6.
Vehicles not otherwise described maintained primarily for purposes
other than the transportation
of persons or cargo.
◉ Describe what coverage triggers for Symbol 1
Answer: liability for any auto
,-provides the broadest coverage possible
-can be used when no owned autos, and umbrella -calls for
underlying auto coverage
◉ Describe what coverage triggers for Symbols 2, 3 & 4?
Answer: Liability, Physical Damage, Medical Payments, Personal
Injury Protection, Uninsured Motorists -for owned autos (of same
type) acquired during the policy period.
2 - owned auto
3 - owned private passenger, *Symbol three includes Towing & Labor
4 - owned auto other than private passsenger
◉ Describe what coverage triggers for Symbols 5 & 6?
Answer: Personal Injury Protection for autos required to have No-
fault benefits in the state where they are licensed or principally
garaged. - for owned autos
5- owned auto subject to no fault law
6- owned auto subject to UM, includes newly acquired autos
◉ Describe what coverage triggers for Symbol 7?
, Answer: Autos Only Liability, Physical Damage, medical Payments,
Personal Injury Protection, Uninsured Motorists - for specifically
described autos only
*triggers coverage for autos scheduled in decs
*liability for trailers the name insured does not own while attached
to schedule auto
◉ Describe what coverage triggers for Symbol 8?
Answer: Liability, Physical Damage - for hired autos
*Excludes autos those from employees, partners of LLP, members of
LLC or members of their household
◉ Describe what coverage triggers for Symbol 9?
Answer: liability for non-owned autos
*for autos the name insured DOES NOT own, lease, hire, rent or
borrow and used in business
*owned by insured employees, partners, members, and member of
household used in business or personal affairs
◉ Describe what coverage triggers for Symbol 19?
