CISR Commercial Caualty I Exam 100%
Correct.
If a customer gets injured at a retail store when a store display falls on them, the
store can be held liable. What category of liability exposure is this? Explain your
answer. - ANSWERThis situation represents a premises liability exposure, as it
arises out of the use of the retail store.
Name the four elements that must be present in order for negligence to occur: -
ANSWERA duty owed to others, a breach of that duty owed, injury or damages, a
proximate cause between the breach of duty and the damages
A business keeps a tiger in a cage on their property as a customer attraction. One
day, the tiger escapes its cage and injures several people. Even though the store
owner followed the safety regulations for dangerous animals, he could still be held
liable. What type of legal liability is this? Explain your answer. - ANSWERThis
situation represents strict/absolute liability, as the tiger an inherently dangerous
activity or exposure. Strict liability can be imposed regardless of the degree of
negligence or care exercised by the owner
________________ liability is caused by ongoing activities such as construction,
processing, or servicing things on someone else's property. - ANSWEROperations
The relationship that exists between and Employer/Employee, or between an Owner/
Contractor presents a form of _________________ liability. - ANSWERVicarious
______________ liability is caused by defects in product design, manufacturing, or
the failure to sufficiently warn or explain the safe use of the product to consumers. -
ANSWERProducts
A retail store's mannequin falling onto a customer is an example of ______________
liability - ANSWERPremises
Libel, slander, and false arrest are all examples of a(n) _______________________
- ANSWERIntentional Tort
________________ __________________ liability arises out of the injury and/or
damage caused by defective or improper workmanship, after the work has been
completed - ANSWERCompleted operations
Losses are compensated to an injured party for by the liable person paying a sum of
money to the claimant. ____________ ___________ are specific dollar amounts that
cover the costs of medical bills, lost income, rehabilitation expenses, or the repair or
replacement of property - ANSWERspecial damages
Anyone who offers specialized services from their unique knowledge and training
can be subject to ____________ ____________ - ANSWERProfessional Liability
, For ____________ to occur, four elements must be present: a duty owed to others; a
breach of the duty owed; the existence of injury or damages; and a proximate cause.
- ANSWERNegligence
If a tiger were to escape its cage an injure others, it is likely the tiger's owner could
be held to a(n) __________ __________ standard based upon the law -
ANSWERStrict Liability
Match the insured to the scenerio: Used to automatically include persons or
organizations to meet written contract requirements without having to request
additional insured status on an individual basis - ANSWERAutomatic Insured
Match the insured to the scenerio: A person who is not an employee, and who
donates his or her work, and is not paid a fee, salary, or other compensation by the
named insured or anyone else for work performed for the named insured -
ANSWERVolunteer Worker
Match the insured to the scenerio: A third party with an existing business relationship
with the named insured - ANSWERAdditional Insured
Match the insured to the scenerio: The individual or company designated by name in
the policy. May be a sole proprietorship, partnership, corporation or another type of
entity - ANSWERNamed Insured
Coverage B -_____________ _____ ____________ ______________, includes
coverage for intentional torts such as false arrest, wrongful eviction, libel, and
slander. - ANSWERPersonal and Advertising Injury
Depending on the type of organization insured on the policy, the ___________
__________ may be different. - ANSWERautomatic insureds
In addition to a one-time accident, a(n) ________________ may also include a
harmful condition that is continuous or repeated over a long period of time. -
ANSWERoccurrence
A(n) ______ _____ is an individual leased to a company by an employee leasing
firm, typically on a long-term basis. - ANSWERleased worker
The agreement between a railroad company and a property owner that addresses
the expanse of tracks running through land is referred to as a(n) ____________
____________. - ANSWERsidetrack agreement
Vehicles maintained for use solely on or next to premises the named insured owns
can be considered _______________ _____________. - ANSWERmobile
equipment
Coverage C - Medical Payments will pay for a customer's injury occurring on
premises, even if the customer is the sole cause of the injury. T/F - ANSWERTrue
Correct.
If a customer gets injured at a retail store when a store display falls on them, the
store can be held liable. What category of liability exposure is this? Explain your
answer. - ANSWERThis situation represents a premises liability exposure, as it
arises out of the use of the retail store.
Name the four elements that must be present in order for negligence to occur: -
ANSWERA duty owed to others, a breach of that duty owed, injury or damages, a
proximate cause between the breach of duty and the damages
A business keeps a tiger in a cage on their property as a customer attraction. One
day, the tiger escapes its cage and injures several people. Even though the store
owner followed the safety regulations for dangerous animals, he could still be held
liable. What type of legal liability is this? Explain your answer. - ANSWERThis
situation represents strict/absolute liability, as the tiger an inherently dangerous
activity or exposure. Strict liability can be imposed regardless of the degree of
negligence or care exercised by the owner
________________ liability is caused by ongoing activities such as construction,
processing, or servicing things on someone else's property. - ANSWEROperations
The relationship that exists between and Employer/Employee, or between an Owner/
Contractor presents a form of _________________ liability. - ANSWERVicarious
______________ liability is caused by defects in product design, manufacturing, or
the failure to sufficiently warn or explain the safe use of the product to consumers. -
ANSWERProducts
A retail store's mannequin falling onto a customer is an example of ______________
liability - ANSWERPremises
Libel, slander, and false arrest are all examples of a(n) _______________________
- ANSWERIntentional Tort
________________ __________________ liability arises out of the injury and/or
damage caused by defective or improper workmanship, after the work has been
completed - ANSWERCompleted operations
Losses are compensated to an injured party for by the liable person paying a sum of
money to the claimant. ____________ ___________ are specific dollar amounts that
cover the costs of medical bills, lost income, rehabilitation expenses, or the repair or
replacement of property - ANSWERspecial damages
Anyone who offers specialized services from their unique knowledge and training
can be subject to ____________ ____________ - ANSWERProfessional Liability
, For ____________ to occur, four elements must be present: a duty owed to others; a
breach of the duty owed; the existence of injury or damages; and a proximate cause.
- ANSWERNegligence
If a tiger were to escape its cage an injure others, it is likely the tiger's owner could
be held to a(n) __________ __________ standard based upon the law -
ANSWERStrict Liability
Match the insured to the scenerio: Used to automatically include persons or
organizations to meet written contract requirements without having to request
additional insured status on an individual basis - ANSWERAutomatic Insured
Match the insured to the scenerio: A person who is not an employee, and who
donates his or her work, and is not paid a fee, salary, or other compensation by the
named insured or anyone else for work performed for the named insured -
ANSWERVolunteer Worker
Match the insured to the scenerio: A third party with an existing business relationship
with the named insured - ANSWERAdditional Insured
Match the insured to the scenerio: The individual or company designated by name in
the policy. May be a sole proprietorship, partnership, corporation or another type of
entity - ANSWERNamed Insured
Coverage B -_____________ _____ ____________ ______________, includes
coverage for intentional torts such as false arrest, wrongful eviction, libel, and
slander. - ANSWERPersonal and Advertising Injury
Depending on the type of organization insured on the policy, the ___________
__________ may be different. - ANSWERautomatic insureds
In addition to a one-time accident, a(n) ________________ may also include a
harmful condition that is continuous or repeated over a long period of time. -
ANSWERoccurrence
A(n) ______ _____ is an individual leased to a company by an employee leasing
firm, typically on a long-term basis. - ANSWERleased worker
The agreement between a railroad company and a property owner that addresses
the expanse of tracks running through land is referred to as a(n) ____________
____________. - ANSWERsidetrack agreement
Vehicles maintained for use solely on or next to premises the named insured owns
can be considered _______________ _____________. - ANSWERmobile
equipment
Coverage C - Medical Payments will pay for a customer's injury occurring on
premises, even if the customer is the sole cause of the injury. T/F - ANSWERTrue
