CISR-Commercial Casualty I Exam with
Questions and Correct Answers
Employing Workers Exposure - ✔Legal liability arises from the statutory obligations
employers have to employees regarding work-related injuries or occupational disease; may
also cover various consequential injuries to others caused by the employee's injury or disease
Example of an Employing Workers Exposure - ✔An employee develops chemical
pneumonia from inhaling acidic fumes while cleaning machinery
Example of a Liquor exposure - ✔An employee becomes intoxicated at a company-
sponsored picnic, where the company provided alcoholic beverages, and injures someone
while driving home
Environmental Impairment Exposure (Pollution) - ✔"BI" or "PD" arising out of the actual,
alleged, or threatened discharge, dispersal, seepage, migration, release, or escape of
harmful chemicals
Liquor Exposure - ✔injury and/or damage arises from manufacturing, distributing,
SELLING, serving or furnishing of alcoholic beverages
Example of a Pollution Exposure - ✔Your commercial property contains leaking
underground chemical tanks or lead-based paint
Professional Activities Exposure - ✔injury and/or damage arising from the giving or failure
to give professional advice or service
, Example of a Professional Activities Exposure - ✔A CPA gives the wrong advice, resulting in
IRS penalties and/or fines (PL)
Bailee Liability Exposure - ✔injury and/or damage arising out of the insured's possession
of other's property (ex/ dry cleaners)
What are the 6 categories of mobile equipment? - ✔Vehicles designed for use principally off
public roads (bulldozers, farm machinery, forklifts), Vehicles maintained for use solely on/next
to premises you own/rent, Vehicles that travel on crawler treads (construction equipment,
etc), Vehicles, whether self-propelled or not, maintained primarily to provide mobility to
permanently mounted specified equipment (TRAILERS), Other vehicles that are not self-
propelled and are maintained primarily to provide mobility to specific types of permanently
attached equipment, Vehicles not otherwise described maintained primarily for purposes other
than the transportation of persons or cargo
Coverage Territory - ✔USA (incl territories & possessions), Puerto Rico, & Canada
(NOT MEXICO)
Bodily Injury - ✔Also incl sickness or disease, including resulting death; some type of
physical manifestation that must be sustained by an injured person; has been expanded by
case law in some states to include things such as mental anguish, emotional trauma, loss of
companionship, and other claims where there is no actual physical harm to the body
Property Damage - ✔Damage to tangible property as well as the loss of use of that
damaged property; also includes loss of use to tangible property that does not suffer actual
damage
What are the 3 main types of an Insured under the CGL Coverage Form? -
✔Named, Automatic, Additional
Named Insured - ✔The individual or entity shown on the CGL Policy Declarations.
Typically, referred to as the "you" in the Policy. The named insured is provided the broadest
coverage
Questions and Correct Answers
Employing Workers Exposure - ✔Legal liability arises from the statutory obligations
employers have to employees regarding work-related injuries or occupational disease; may
also cover various consequential injuries to others caused by the employee's injury or disease
Example of an Employing Workers Exposure - ✔An employee develops chemical
pneumonia from inhaling acidic fumes while cleaning machinery
Example of a Liquor exposure - ✔An employee becomes intoxicated at a company-
sponsored picnic, where the company provided alcoholic beverages, and injures someone
while driving home
Environmental Impairment Exposure (Pollution) - ✔"BI" or "PD" arising out of the actual,
alleged, or threatened discharge, dispersal, seepage, migration, release, or escape of
harmful chemicals
Liquor Exposure - ✔injury and/or damage arises from manufacturing, distributing,
SELLING, serving or furnishing of alcoholic beverages
Example of a Pollution Exposure - ✔Your commercial property contains leaking
underground chemical tanks or lead-based paint
Professional Activities Exposure - ✔injury and/or damage arising from the giving or failure
to give professional advice or service
, Example of a Professional Activities Exposure - ✔A CPA gives the wrong advice, resulting in
IRS penalties and/or fines (PL)
Bailee Liability Exposure - ✔injury and/or damage arising out of the insured's possession
of other's property (ex/ dry cleaners)
What are the 6 categories of mobile equipment? - ✔Vehicles designed for use principally off
public roads (bulldozers, farm machinery, forklifts), Vehicles maintained for use solely on/next
to premises you own/rent, Vehicles that travel on crawler treads (construction equipment,
etc), Vehicles, whether self-propelled or not, maintained primarily to provide mobility to
permanently mounted specified equipment (TRAILERS), Other vehicles that are not self-
propelled and are maintained primarily to provide mobility to specific types of permanently
attached equipment, Vehicles not otherwise described maintained primarily for purposes other
than the transportation of persons or cargo
Coverage Territory - ✔USA (incl territories & possessions), Puerto Rico, & Canada
(NOT MEXICO)
Bodily Injury - ✔Also incl sickness or disease, including resulting death; some type of
physical manifestation that must be sustained by an injured person; has been expanded by
case law in some states to include things such as mental anguish, emotional trauma, loss of
companionship, and other claims where there is no actual physical harm to the body
Property Damage - ✔Damage to tangible property as well as the loss of use of that
damaged property; also includes loss of use to tangible property that does not suffer actual
damage
What are the 3 main types of an Insured under the CGL Coverage Form? -
✔Named, Automatic, Additional
Named Insured - ✔The individual or entity shown on the CGL Policy Declarations.
Typically, referred to as the "you" in the Policy. The named insured is provided the broadest
coverage
