CISR - Commercial Casualty II - Study Guide Questions with Correct Answers 2025

CISR - Commercial Casualty II - Study Guide
Questions with Correct Answers 2025
StateGworkersGcompensationGlawsGareGaGnoGfaultGsystem.GT/FG-GCORRECTGANSWERG-True



EmployerGpurchaseGofGworkersGcompensationGinsuranceGisGvoluntaryGinGallGstatesGbutGTexasGandG
NewGJersey.GT/FG-GCORRECTGANSWERG-False



ItGisGmandatoryGinGallGstatesGbutGTexasGandGNewGJersey.



OneGadvantageGofGworkersGcompensationGinsuranceGforGemployersGisGpredictableGcosts.GT/FG-
GCORRECTGANSWERG-True




ListGfourGstatesGthatGworkersGcompensationGisGaGmonopolisticGstateGfund.G-GCORRECTGANSWERG-
NorthGDakota,GOhio,GWyoming,GWashington



ListGtwoGstatesGwhereGworkersGcompGinsuranceGisGelective.G-GCORRECTGANSWERG-
TexasGandGNewGJersey



ThingsGlistedGinGItemG1GofGtheGInformationGpageG(DecGPage)GofGaGworkersGcompensationGpolicy.G-
GCORRECTGANSWERG-TheGemployersGtypeGofGorganization




ThingsGlistedGinGItemG2GofGtheGInformationGpageG(DecGPage)GofGaGworkersGcompensationGpolicy.G-
GCORRECTGANSWERG-PoliciesGEffectiveGDateGandGExpirationGDate




ThingsGlistedGinGItemG3GofGtheGInformationGpageG(DecGPage)GofGaGworkersGcompensationGpolicy.G-
GCORRECTGANSWERG-theGlistGofGstatesGinGwhichGanGinsuredGhasGorGexpectsGtoGhaveGoperations




descriptionGofGtheGemployersGliabilityGcoverage

,detailsGtheGlimitsGofGinsuranceGforGemployersGliability



ThingsGlistedGinGItemG4GofGtheGInformationGpageG(DecGPage)GofGaGworkersGcompensationGpolicy.G-
GCORRECTGANSWERG-providesGinformationGusedGtoGcalculateGanGestimatedGpremium




WhatGisGtheGdifferenceGbetweenGitemG3.A.GandG3.C.G?G-GCORRECTGANSWERG-
ItemG3.A.GtriggersGWorkersGCompensationGInsuranceGforGtheGstateGorGstatesGlistedGinGwhichGtheGp
olicyholderGhasGongoingGoperations.GInGitemG3.C.,GallGtheGotherGstatesGinGtheGU.S.,GexceptGthoseGs
hownGinGitemG3.A.GandGtheGmonopolisticGstates,GareGshownGorGlistedGtoGtriggerGOtherGStatesGInsur
anceGforGclaimsGthatGcouldGbeGmadeGinGthatGstateGbyGemployeesGwhoGareGthereGonGaGtemporaryGb
asis.GForGexample,GinGitemG3.C.,GaGbusinessGlocatedGonlyGinGOklahomaGmightGhaveGlisted:G"AllGstat
esGexceptGOK,GND,GOH,GWA,GWY."



WhatGisGtheGexperienceGmodifierGandGwhatGisGitsGpurpose?G-GCORRECTGANSWERG-
TheGexperienceGmodifierGreflectsGemployersGclaimsGexperience,GthatGis,GtheGfrequencyGandGseveri
ty,GorGcost,GofGclaims.GTheGexperienceGmodifier—
aGvalueGthatGisGnormallyGmoreGorGlessGthanG1.0—isGusedGtoGcalculateGanGemployer'sGpremium



WhatGisGtheGgeneralGpurposeGofGsectionGAGofGtheGworkersGcompensationGcoverageGpage?G-
GCORRECTGANSWERG-ExplainsGtheGpolicy'sGroleGasGanGinsuranceGcontract




WhatGisGtheGgeneralGpurposeGofGsectionGBGofGtheGworkersGcompensationGcoverageGpage?G-
GCORRECTGANSWERG-ClarifiesGwhoGisGinsured




WhatGisGtheGgeneralGpurposeGofGsectionGCGofGtheGworkersGcompensationGcoverageGpage?G-
GCORRECTGANSWERG-DescribesGworkersGcompensation Glaw




WhatGisGtheGgeneralGpurposeGofGsectionGDGofGtheGworkersGcompensationGcoverageGpage?G-
GCORRECTGANSWERG-ExplainsGinGwhichGstatesGcoverageGapplies

, WhatGisGtheGgeneralGpurposeGofGsectionGEGofGtheGworkersGcompensationGcoverageGpage?G-
GCORRECTGANSWERG-


ExplainsGinGwhichGstatesGcoverageGapplies,GIdentifiesGworkplaceGlocationsGwhereGcoverageGapplie
s



ExplainGwhatGParagraphGC.GinGtheGGeneralGSectionGofGtheGWorkersGCompensationGandGEmployers
GLiabilityGInsuranceGPolicyGdoesGnotGapplyGto.G-GCORRECTGANSWERG-


ParagraphGC.GdoesGnotGfocusGonGfederalGworkersGorGfederalGworkersGcompensationGlaws.



PartG______________________________GofGtheGWorkersGCompensationGInsuranceGFormGoutlin
esGhowGtheG______________________________Gapplies.GItGappliesGtoGaGbodilyGinjuryGbyG______
________________________,GorGaGbodilyGinjuryGbyGdisease,GthatGoccurredG_________________
_____________GtheGpolicyGperiodGandGwhichGwasG______________________________GbyGtheGc
onditionsGofGemployment.G-GCORRECTGANSWERG-One,

Insurance,

Accident,

During,

CausedGorGAggrevated



MedicalG-GCORRECTGANSWERG-reasonableGandGnecessaryGtreatmentGforGanGinjury



DisabilityG-GCORRECTGANSWERG-
compensationGforGtypesGofGpermanentGinjury,GcompensationGforGlostGwages



RehabilitationG-GCORRECTGANSWERG-restorationGofGanGemployee'sGphysicalGcapacity



DeathG-GCORRECTGANSWERG-financialGsupportGforGbeneficiaries