CIC CASUALTY BUSINESS AUTO
SECTION EXAM QUESTIONS WITH
CORRECT ANSWERS
Endorsement: Fellow Employee Coverage for Designated Employees/Positions CA 20
56 - Answer-Fellow Employee Exclusion would not apply to the employee/s, job title/s or
position/s named or listed in the schedule
Exclusion: Care Custody Or Control - Answer-excludes PD to property owned by or
transported by the insured or in the insured's CCorC
Exception for liability assumed under a sidetrack agreement
Ex: insured backs into and damages a railcar on the sidetrack at the named insured's
premises. PD to railcar covered.
Solutions to the CC or C exclusion - Answer-Garage keepers
Legal Liability
Bailees
Motor Truck Cargo
Exclusion: Handling of Property - Answer-BAP does not cover BI or PD resulting from
the handling of property:
a. before it is moved from the place where it is accepted by the insured for movement
into or onto the covered auto
OR
b. after it is moved from the covered auto to the place where it is finally delivered by the
insured
The BAP does cover BI or PD during loading, while in transit and during unloading
Exclusion: Movement Of Property By Mechanical Device - Answer-does not cover BI or
PD resulting from the movement of property by a mechanical device (other than hand
truck), unless the device is attached to the covered auto
Exclusion: Operations - Answer-excludes the operations exposures of:
cherry pickers and similar devises mounted on automobile truck chassis and used to
raise or lower workers
, self propelled vehicles with attached air compressors, pumps, generators, including
spraying, welding, building cleaning etc.
excludes the operations exposure of machinery or equipment that is on, attached to, or
part of, mobile equipment if it were not subject to motor vehicle law
Exclusion: Completed Operations - Answer-not intended to be covered by the BAP (look
to the CGL)
May need to attach endorsement/s to the CGL policy to provide needed coverage as
the CGL policy has an exclusion pertaining to autos
Exclusion: Pollution - Answer-BI and PD arising from pollutants is excluded
excludes pollutants that are or contained in any property that is:
-transported, towed by, handled, moved into/onto/from a covered auto,
-in the course of transit
-being stored, disposed of, treated or processed
EXCLUDES before accepted for movement
EXCLUDES after final delivery, disposal or abandoned
Exceptions to the Pollution Exclusion - Answer-gives back coverage for BI or PD if:
the pollutant is needed for or results from the normal electrical, hydraulic or mechanical
function of the auto AND the pollutant is released directly from the auto part designed to
hold it
does not apply to attached equipment
Other exceptions include:
-an auto accident that occurs away from a premises owned by or rented to an insured
-pollutants are not in, upon or transported by a covered auto if the pollutants that are
upset, overturned or damaged are caused by the maintenance or use of a covered auto
AND the released pollutant is a direct result of an accident arising from the covered auto
Endorsement: Pollution Liability - Broadened Coverage for Covered Autos - Answer-
gives back some coverage for the discharge of pollutants that are being transported or
towed by, handled or handled for movement into, onto or from a covered auto
SECTION EXAM QUESTIONS WITH
CORRECT ANSWERS
Endorsement: Fellow Employee Coverage for Designated Employees/Positions CA 20
56 - Answer-Fellow Employee Exclusion would not apply to the employee/s, job title/s or
position/s named or listed in the schedule
Exclusion: Care Custody Or Control - Answer-excludes PD to property owned by or
transported by the insured or in the insured's CCorC
Exception for liability assumed under a sidetrack agreement
Ex: insured backs into and damages a railcar on the sidetrack at the named insured's
premises. PD to railcar covered.
Solutions to the CC or C exclusion - Answer-Garage keepers
Legal Liability
Bailees
Motor Truck Cargo
Exclusion: Handling of Property - Answer-BAP does not cover BI or PD resulting from
the handling of property:
a. before it is moved from the place where it is accepted by the insured for movement
into or onto the covered auto
OR
b. after it is moved from the covered auto to the place where it is finally delivered by the
insured
The BAP does cover BI or PD during loading, while in transit and during unloading
Exclusion: Movement Of Property By Mechanical Device - Answer-does not cover BI or
PD resulting from the movement of property by a mechanical device (other than hand
truck), unless the device is attached to the covered auto
Exclusion: Operations - Answer-excludes the operations exposures of:
cherry pickers and similar devises mounted on automobile truck chassis and used to
raise or lower workers
, self propelled vehicles with attached air compressors, pumps, generators, including
spraying, welding, building cleaning etc.
excludes the operations exposure of machinery or equipment that is on, attached to, or
part of, mobile equipment if it were not subject to motor vehicle law
Exclusion: Completed Operations - Answer-not intended to be covered by the BAP (look
to the CGL)
May need to attach endorsement/s to the CGL policy to provide needed coverage as
the CGL policy has an exclusion pertaining to autos
Exclusion: Pollution - Answer-BI and PD arising from pollutants is excluded
excludes pollutants that are or contained in any property that is:
-transported, towed by, handled, moved into/onto/from a covered auto,
-in the course of transit
-being stored, disposed of, treated or processed
EXCLUDES before accepted for movement
EXCLUDES after final delivery, disposal or abandoned
Exceptions to the Pollution Exclusion - Answer-gives back coverage for BI or PD if:
the pollutant is needed for or results from the normal electrical, hydraulic or mechanical
function of the auto AND the pollutant is released directly from the auto part designed to
hold it
does not apply to attached equipment
Other exceptions include:
-an auto accident that occurs away from a premises owned by or rented to an insured
-pollutants are not in, upon or transported by a covered auto if the pollutants that are
upset, overturned or damaged are caused by the maintenance or use of a covered auto
AND the released pollutant is a direct result of an accident arising from the covered auto
Endorsement: Pollution Liability - Broadened Coverage for Covered Autos - Answer-
gives back some coverage for the discharge of pollutants that are being transported or
towed by, handled or handled for movement into, onto or from a covered auto
