CIC - Commercial Casualty Exam-Questions with Correct Answers/
Verified/ Latest (2024/2025)
What are the three basic parts of a CGL policy? - ✔✔Declarations, Coverage Form, &
Endorsements
What are the four parts of the CGL declarations? - ✔✔Named insured, mailing address,
policy period; limits; form of business; business description
What are the five sections of the CGL coverage form? - ✔✔Coverages, Who Is an Insured,
Limits, Conditions, & Definitions
What are the three CGL coverages? - ✔✔A-Bodily injury & property damage, B-Personal &
advertising injury, C-Medical payments
What are the liability exposures under coverage A of the CGL policy? - ✔✔Premises,
operations (ongoing), products, completed operations, contractual, & contingent
What are the liability exposures under coverage B of the CGL policy? - ✔✔operations &
contingent
What are the liability exposures under coverage C of the CGL policy? - ✔✔premises &
operations
Who does premises liability apply to... - ✔✔owners, landlords, & tenants and arises out of
the ownership, maintenance, or use of the named insured's premises
Business operations liability arises from... - ✔✔activities involved in the operation of an
organization including service and repair activities usually done on the premises of others,
while the activity is being conducted
Products liability arises out of... - ✔✔the sale, distribution or manufacture of the named
insured's product
,Completed operations liability arises from... - ✔✔activities involved in the operation of an
organization including service and repair activities usually done on the premises of others,
after the activity has been concluded
Contractual liability arises from... - ✔✔one party assuming responsibility of another party
Contingent liability arises out of... - ✔✔work performed for the named insured by someone
else
Personal injury liability is liability arising from... - ✔✔from intentional torts, such as libel,
slander, wrongful eviction
Advertising liability is caused by... - ✔✔harm from such things as misappropriation of
advertising ideas, style of doing business or infringement of copyright
The second paragraph of the preamble on the CGL coverage form defines what? -
✔✔Defines how the Named Insured and Insurer will be identified in the CGL Coverage Form
- "You" is the person or organization named on the Declarations
AND
"You" also refers to any other persons or organizations not listed on the
Declarations that may qualify as a named insured
The third paragraph of the preamble on the CGL coverage form defines what? - ✔✔Defines
the term "insured" as those persons or organizations qualifying as such under Section II -
Who Is An Insured of the CGL Coverage Form
The fourth paragraph of the preamble on the CGL coverage form indicates what? - ✔✔that
certain words and phrases in quotations have a special meaning
A Person Or Organization Must Qualify As An Insured In Order To Be Provided Insurance
Protection. Who qualifies as an insured under the CGL policy? - ✔✔1. Named insureds
(those listed on Declarations or Schedule attached thereto) and those
,who qualify as named insureds
2. Automatic insureds (those who qualify as insured under Section II - Who Is An Insured)
3. Non-automatic insureds - those added by endorsement
Section II of the CGL coverage form - Who is an insured describes who qualifies as automatic
insureds. List the five automatic insureds - - ✔✔If named insured is an individual, then the
individual and spouse are insureds
If named insured is a partnership or joint venture, then the members, partners,
and spouse(s) are insureds
If the named insured is a Limited Liability Company (LLC), includes:
• Members as insureds
• Managers as insureds
If the named insured is some other type of organization (corporation,
municipalities, etc.), includes:
• Executive officers
• Directors
• Stockholders
If named insured is a trust, includes the trustees as an insured
*but only with respect to the conduct of the named insured's business
Under Section II of the CGL coverage form who are also included as insureds? -
✔✔"Employees" and "volunteer workers"
Real estate managers while acting as such for the named insured
, Persons or organizations with proper temporary custody of the named insured's
property if the named insured dies, but only with respect to liability arising out of:
(1) The maintenance or use of that property;
AND
(2) Until the named insured's legal representative has been appointed
Legal representative if the named insured dies
• But only with respect to such duties
• Legal representative has rights and duties of named insured
*with regards to their duties to the named insured's business
Is a leased worker included as as an employee on an unendorsed CGL policy? - ✔✔No
What is the definition of leased worker? (CGL) - ✔✔a person leased to you by a labor leasing
firm under an agreement between you
and the labor firm to perform duties related to the conduct of your business. "Leased
worker" does not include a "temporary worker"
What is the definition of temporary worker? (CGL) - ✔✔a person who is furnished to you to
substitute for a permanent "employee" on leave or to meet seasonal or short-term
workload conditions
What is the definition of Volunteer worker? (CGL) - ✔✔a person who is not your
"employee", and who donates his or her work and acts at the direction of and within the
scope of duties determined by you, and is not paid a fee, salary or other compensation by
you or anyone else for their work performed for you
When are employees and volunteers not considered insureds? - ✔✔when they cause:
─ BI or personal & advertising injury to a named insured, to partners, to members, to co-
employees or to other volunteer workers
─ Consequential injury to the family of an injured co-employee or volunteer worker
Verified/ Latest (2024/2025)
What are the three basic parts of a CGL policy? - ✔✔Declarations, Coverage Form, &
Endorsements
What are the four parts of the CGL declarations? - ✔✔Named insured, mailing address,
policy period; limits; form of business; business description
What are the five sections of the CGL coverage form? - ✔✔Coverages, Who Is an Insured,
Limits, Conditions, & Definitions
What are the three CGL coverages? - ✔✔A-Bodily injury & property damage, B-Personal &
advertising injury, C-Medical payments
What are the liability exposures under coverage A of the CGL policy? - ✔✔Premises,
operations (ongoing), products, completed operations, contractual, & contingent
What are the liability exposures under coverage B of the CGL policy? - ✔✔operations &
contingent
What are the liability exposures under coverage C of the CGL policy? - ✔✔premises &
operations
Who does premises liability apply to... - ✔✔owners, landlords, & tenants and arises out of
the ownership, maintenance, or use of the named insured's premises
Business operations liability arises from... - ✔✔activities involved in the operation of an
organization including service and repair activities usually done on the premises of others,
while the activity is being conducted
Products liability arises out of... - ✔✔the sale, distribution or manufacture of the named
insured's product
,Completed operations liability arises from... - ✔✔activities involved in the operation of an
organization including service and repair activities usually done on the premises of others,
after the activity has been concluded
Contractual liability arises from... - ✔✔one party assuming responsibility of another party
Contingent liability arises out of... - ✔✔work performed for the named insured by someone
else
Personal injury liability is liability arising from... - ✔✔from intentional torts, such as libel,
slander, wrongful eviction
Advertising liability is caused by... - ✔✔harm from such things as misappropriation of
advertising ideas, style of doing business or infringement of copyright
The second paragraph of the preamble on the CGL coverage form defines what? -
✔✔Defines how the Named Insured and Insurer will be identified in the CGL Coverage Form
- "You" is the person or organization named on the Declarations
AND
"You" also refers to any other persons or organizations not listed on the
Declarations that may qualify as a named insured
The third paragraph of the preamble on the CGL coverage form defines what? - ✔✔Defines
the term "insured" as those persons or organizations qualifying as such under Section II -
Who Is An Insured of the CGL Coverage Form
The fourth paragraph of the preamble on the CGL coverage form indicates what? - ✔✔that
certain words and phrases in quotations have a special meaning
A Person Or Organization Must Qualify As An Insured In Order To Be Provided Insurance
Protection. Who qualifies as an insured under the CGL policy? - ✔✔1. Named insureds
(those listed on Declarations or Schedule attached thereto) and those
,who qualify as named insureds
2. Automatic insureds (those who qualify as insured under Section II - Who Is An Insured)
3. Non-automatic insureds - those added by endorsement
Section II of the CGL coverage form - Who is an insured describes who qualifies as automatic
insureds. List the five automatic insureds - - ✔✔If named insured is an individual, then the
individual and spouse are insureds
If named insured is a partnership or joint venture, then the members, partners,
and spouse(s) are insureds
If the named insured is a Limited Liability Company (LLC), includes:
• Members as insureds
• Managers as insureds
If the named insured is some other type of organization (corporation,
municipalities, etc.), includes:
• Executive officers
• Directors
• Stockholders
If named insured is a trust, includes the trustees as an insured
*but only with respect to the conduct of the named insured's business
Under Section II of the CGL coverage form who are also included as insureds? -
✔✔"Employees" and "volunteer workers"
Real estate managers while acting as such for the named insured
, Persons or organizations with proper temporary custody of the named insured's
property if the named insured dies, but only with respect to liability arising out of:
(1) The maintenance or use of that property;
AND
(2) Until the named insured's legal representative has been appointed
Legal representative if the named insured dies
• But only with respect to such duties
• Legal representative has rights and duties of named insured
*with regards to their duties to the named insured's business
Is a leased worker included as as an employee on an unendorsed CGL policy? - ✔✔No
What is the definition of leased worker? (CGL) - ✔✔a person leased to you by a labor leasing
firm under an agreement between you
and the labor firm to perform duties related to the conduct of your business. "Leased
worker" does not include a "temporary worker"
What is the definition of temporary worker? (CGL) - ✔✔a person who is furnished to you to
substitute for a permanent "employee" on leave or to meet seasonal or short-term
workload conditions
What is the definition of Volunteer worker? (CGL) - ✔✔a person who is not your
"employee", and who donates his or her work and acts at the direction of and within the
scope of duties determined by you, and is not paid a fee, salary or other compensation by
you or anyone else for their work performed for you
When are employees and volunteers not considered insureds? - ✔✔when they cause:
─ BI or personal & advertising injury to a named insured, to partners, to members, to co-
employees or to other volunteer workers
─ Consequential injury to the family of an injured co-employee or volunteer worker
