CISR Commercial Casualty 1 Exam
100% Correct.
Automatic Insured - ANSWERThe person or organization qualifying as an Insured
under the Who Is An Insured provision
The CGL Coverage Form provides coverage for a number of persons or
organizations other than the Named Insured. All of the following may be considered
an Insured under an unendorsed CGL Policy EXCEPT
A. a tenant of the Named Insured's premises
B. a real estate manager of the Insured
C. a newly formed corporation
D. an employee of the Insured - ANSWERA. a tenant of the Named Insured's
premises
Your insured, Smith, Inc., just formed a new partnership - is there coverage under
the unendorsed CGL policy? - ANSWERNo, there is no automatic coverage for the
new partnership
Describe how the CGL coverage territory applies to a product liability loss. -
ANSWERIt provides worldwide coverage for any products made or sold in the US, its
territories and possessions, Puerto Rico, and Canada, but only if the suit is brought
in the territory listed here.
Which of the following is considered an "insured contract" in the CGL Coverage
Form?
A. A contract that indemnifies a railroad for the construction of a railroad bridge
B. A lease of premises, except for indemnification due to damage caused by fire.
C. A contract in which an insured architect assumes liability for injury from rendering
his professional services.
D. A contract that indemnifies an engineer for errors in surveys he completed -
ANSWERB. A lease of premises, except for indemnification due to damage caused
by fire.
An improperly secured wall display at Beth's Boutique falls onto a customer. The
customer sustains a head injury and a laceration that required stitches. Beth's
Boutique can be held financially liable for the customer's medical bills. What type of
liability exposure is this? - ANSWERPremises liability
A contractor is clearing some land to expand a mall parking lot. While operation the
bulldozer, the contractor accidentally damages some underground pipes. This
damage is a result of which type of liability exposure? - ANSWEROwner,
maintenance, or use of other conveyances such as mobile equipment.
Each of the following is an example of a tort EXCEPT
A. Absolute Liability
B. Negligence
, C. Contractual Liability
D. Strict Liability - ANSWERC. Contractual Liability
A statue is defined as - ANSWERa law enacted by a legislative body
Special Damages - ANSWERLosses are compensated to an injured party by the
liable person paying a sum of money to the claimant. BLANK are specific dollar
amount that cover the costs of medical bills, lost income, rehabilitation expenses, or
the repair or replacement of property.
Pain and suffering are what type of damages? - ANSWERGeneral damages
Personal and Advertising Injury liability coverage pays for damages under which of
the following circumstances?
A. Personal and Advertising Injury regardless of fault
B. Physical damage to advertising signs and billboards caused by named perils.
C. Personal and Advertising Injury, as defined, caused by an offense arising out of
the Named Insured's business.
D. A loss of money caused by poor advertising campaign. - ANSWERC. Personal
and Advertising Injury, as defined, caused by an offense arising out of the Named
Insured's business.
The definition in the CGL Coverage Form for "Personal and Advertising Injury"
includes all of the following EXCEPT
A. unfair employment practices
B. malicious prosecution
C. false arrest, detention, or imprisonment
D. oral or written publication that violates a person's right of privacy. - ANSWERA.
unfair employment practices
A contractor must tear down an old hotel in order to build a new one. He decides to
use dynamite to demolish the existing building. Even though he followed all the
safety regulations, damage occurred to nearby structures. What type of legal liability
is this?
a. Breach of contract
b. Statutory liability
c. Absolute liability
d. Intentional tort - ANSWERc. Absolute liability
Coverage C - Medical Payments of the CGL Coverage Form provides coverage for
which of the following?
A. It covers injury to an employee playing basketball on premises during the lunch
break since workers compensation insurance will not cover the injury.
B. It covers tenants of the building on that part of the premises they normally occupy.
C. It covers part-time workers hired by the Named Insured.
D. It will pay for a customer's injury occurring on premises, even if the customer is
the sole cause of the injury. - ANSWERD. It will pay for a customer's injury occurring
on premises, even if the customer is the sole cause of the injury.
100% Correct.
Automatic Insured - ANSWERThe person or organization qualifying as an Insured
under the Who Is An Insured provision
The CGL Coverage Form provides coverage for a number of persons or
organizations other than the Named Insured. All of the following may be considered
an Insured under an unendorsed CGL Policy EXCEPT
A. a tenant of the Named Insured's premises
B. a real estate manager of the Insured
C. a newly formed corporation
D. an employee of the Insured - ANSWERA. a tenant of the Named Insured's
premises
Your insured, Smith, Inc., just formed a new partnership - is there coverage under
the unendorsed CGL policy? - ANSWERNo, there is no automatic coverage for the
new partnership
Describe how the CGL coverage territory applies to a product liability loss. -
ANSWERIt provides worldwide coverage for any products made or sold in the US, its
territories and possessions, Puerto Rico, and Canada, but only if the suit is brought
in the territory listed here.
Which of the following is considered an "insured contract" in the CGL Coverage
Form?
A. A contract that indemnifies a railroad for the construction of a railroad bridge
B. A lease of premises, except for indemnification due to damage caused by fire.
C. A contract in which an insured architect assumes liability for injury from rendering
his professional services.
D. A contract that indemnifies an engineer for errors in surveys he completed -
ANSWERB. A lease of premises, except for indemnification due to damage caused
by fire.
An improperly secured wall display at Beth's Boutique falls onto a customer. The
customer sustains a head injury and a laceration that required stitches. Beth's
Boutique can be held financially liable for the customer's medical bills. What type of
liability exposure is this? - ANSWERPremises liability
A contractor is clearing some land to expand a mall parking lot. While operation the
bulldozer, the contractor accidentally damages some underground pipes. This
damage is a result of which type of liability exposure? - ANSWEROwner,
maintenance, or use of other conveyances such as mobile equipment.
Each of the following is an example of a tort EXCEPT
A. Absolute Liability
B. Negligence
, C. Contractual Liability
D. Strict Liability - ANSWERC. Contractual Liability
A statue is defined as - ANSWERa law enacted by a legislative body
Special Damages - ANSWERLosses are compensated to an injured party by the
liable person paying a sum of money to the claimant. BLANK are specific dollar
amount that cover the costs of medical bills, lost income, rehabilitation expenses, or
the repair or replacement of property.
Pain and suffering are what type of damages? - ANSWERGeneral damages
Personal and Advertising Injury liability coverage pays for damages under which of
the following circumstances?
A. Personal and Advertising Injury regardless of fault
B. Physical damage to advertising signs and billboards caused by named perils.
C. Personal and Advertising Injury, as defined, caused by an offense arising out of
the Named Insured's business.
D. A loss of money caused by poor advertising campaign. - ANSWERC. Personal
and Advertising Injury, as defined, caused by an offense arising out of the Named
Insured's business.
The definition in the CGL Coverage Form for "Personal and Advertising Injury"
includes all of the following EXCEPT
A. unfair employment practices
B. malicious prosecution
C. false arrest, detention, or imprisonment
D. oral or written publication that violates a person's right of privacy. - ANSWERA.
unfair employment practices
A contractor must tear down an old hotel in order to build a new one. He decides to
use dynamite to demolish the existing building. Even though he followed all the
safety regulations, damage occurred to nearby structures. What type of legal liability
is this?
a. Breach of contract
b. Statutory liability
c. Absolute liability
d. Intentional tort - ANSWERc. Absolute liability
Coverage C - Medical Payments of the CGL Coverage Form provides coverage for
which of the following?
A. It covers injury to an employee playing basketball on premises during the lunch
break since workers compensation insurance will not cover the injury.
B. It covers tenants of the building on that part of the premises they normally occupy.
C. It covers part-time workers hired by the Named Insured.
D. It will pay for a customer's injury occurring on premises, even if the customer is
the sole cause of the injury. - ANSWERD. It will pay for a customer's injury occurring
on premises, even if the customer is the sole cause of the injury.
