CISR-Commercial Casualty II Exam Study
Questions and Answers
What precedes the 6 sections of a WC policy?
The General Section
How many parts does the General Section have?
5
What does Paragraph A in the General Section describe?
the policy's role as a contract of insurance
What does Paragraph B in the General Section describe?
who is insured
What does Paragraph C in the General Section describe?
workers compensation law
What do Paragraphs D and E in the General Section describe?
the states and locations in which the WC policy provides coverage
What does Paragraph C in the General Section NOT apply to?
federal workers or federal laws
What does Part 1 of the WC policy outline?
how the insurance applies (8 paragraphs)
What are the 4 categories of WC benefits?
medical; disability; rehabilitation; death
Do medical benefits have a time or dollar limit?
, no
How are disability benefits calculated?
a percentage of average weekly wages (typically 66 2/3 %)
What does Part 2 of the WC policy outline?
employers liability insurance
What are the 4 most common employee liability claims?
third-party action over; care and loss of services; consequential bodily injury; dual capacity
What is a third-party action over claim?
when an employee sues a manufacturer, then the manufacturer files a claim against the
employer
Who is suing in a care and loss of services claim?
dependents
Who can sue in a consequential bodily injury claim?
spouse, child, parent, sibling
What is a dual capacity claim?
the employer is sued as both the employer and the manufacturer
Does WC insurance have exclusions?
no
How many exclusions does employers liability insurance have?
12
What is the purpose of Part 3 of the WC policy?
provide temporary automatic coverage for incidental exposures and for new operations
in other states that begin after the effective date
What endorsement applies to land-based workers involved in maritime employment on or
next to navigable waterways?
Longshore and Harborworkers WC Act Coverage Endorsement
What endorsement provides employers liability coverage for the employer for bodily injury to
masters and crews of vessels?
Questions and Answers
What precedes the 6 sections of a WC policy?
The General Section
How many parts does the General Section have?
5
What does Paragraph A in the General Section describe?
the policy's role as a contract of insurance
What does Paragraph B in the General Section describe?
who is insured
What does Paragraph C in the General Section describe?
workers compensation law
What do Paragraphs D and E in the General Section describe?
the states and locations in which the WC policy provides coverage
What does Paragraph C in the General Section NOT apply to?
federal workers or federal laws
What does Part 1 of the WC policy outline?
how the insurance applies (8 paragraphs)
What are the 4 categories of WC benefits?
medical; disability; rehabilitation; death
Do medical benefits have a time or dollar limit?
, no
How are disability benefits calculated?
a percentage of average weekly wages (typically 66 2/3 %)
What does Part 2 of the WC policy outline?
employers liability insurance
What are the 4 most common employee liability claims?
third-party action over; care and loss of services; consequential bodily injury; dual capacity
What is a third-party action over claim?
when an employee sues a manufacturer, then the manufacturer files a claim against the
employer
Who is suing in a care and loss of services claim?
dependents
Who can sue in a consequential bodily injury claim?
spouse, child, parent, sibling
What is a dual capacity claim?
the employer is sued as both the employer and the manufacturer
Does WC insurance have exclusions?
no
How many exclusions does employers liability insurance have?
12
What is the purpose of Part 3 of the WC policy?
provide temporary automatic coverage for incidental exposures and for new operations
in other states that begin after the effective date
What endorsement applies to land-based workers involved in maritime employment on or
next to navigable waterways?
Longshore and Harborworkers WC Act Coverage Endorsement
What endorsement provides employers liability coverage for the employer for bodily injury to
masters and crews of vessels?
