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COMMERCIAL CASUALTY II – CISR
EXAM QUESTIONS AND CORRECT
ANSWERS 2025
State workers compensation laws are no-fault systems. T/F - Correct-answer-True
Employer purchase of workers compensation insurance is voluntary in all state
but Texas and New Jersey. T/F - Correct-answer-False; With the exception of
Texas and new Jersey, all states have made employer purchase of workers
compensation insurance mandatory.
One advantage of workers compensation to employers is predictable costs. T/F -
Correct-answer-True
List 4 states that have monopolistic funds. - Correct-answer-North Dakota, Ohio,
Wyoming, Washington
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List 2 states where workers compensation is elective for employers. - Correct-
answer-Texas and New Jersey
Both item 3A and item 3C of the information pages of a WC policy list the states
the policy covers. Explain the difference between these two items. - Correct-
answer-3A triggers WC insurance for the state or state listed in which the
policyholder currently has ongoing business. 3C lists all of other states except
those listed in 3A and monopolistic states that the policyholder may conduct
business during the policy term.
What is the experience modifier, and what is its purpose? - Correct-answer-The
experience modifier reflects employers claims experience, that is, the frequency
and severity, or cost, of claims. The experience modifier is used to calculate an
employers premium.
What information does the General Section A provide in a WC policy? - Correct-
answer-Explains the policy's role as an insurance contract.
What information does the General Section B provide in a WC policy? - Correct-
answer-Clarifies who in insured
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What information does the General Section C provide in a WC policy? - Correct-
answer-Describes workers compensation law
What information does the General Section D provide in a WC policy? - Correct-
answer-Explains in which states coverage applies
What information does the General Section E in a WC policy? - Correct-answer-
Explains in which states coverage applies and identifies workplace locations
where coverage applies
Explain what Paragraph C in the General Section of the WC and EL insurance
policy does not apply to. - Correct-answer-Paragraph C does not focus on federal
workers or federal workers compensation laws.
What is the correct compensation category for the following benefit: Reasonable
and necessary treatment for an injury - Correct-answer-Medical
COMMERCIAL CASUALTY II – CISR
EXAM QUESTIONS AND CORRECT
ANSWERS 2025
State workers compensation laws are no-fault systems. T/F - Correct-answer-True
Employer purchase of workers compensation insurance is voluntary in all state
but Texas and New Jersey. T/F - Correct-answer-False; With the exception of
Texas and new Jersey, all states have made employer purchase of workers
compensation insurance mandatory.
One advantage of workers compensation to employers is predictable costs. T/F -
Correct-answer-True
List 4 states that have monopolistic funds. - Correct-answer-North Dakota, Ohio,
Wyoming, Washington
,2|Page
List 2 states where workers compensation is elective for employers. - Correct-
answer-Texas and New Jersey
Both item 3A and item 3C of the information pages of a WC policy list the states
the policy covers. Explain the difference between these two items. - Correct-
answer-3A triggers WC insurance for the state or state listed in which the
policyholder currently has ongoing business. 3C lists all of other states except
those listed in 3A and monopolistic states that the policyholder may conduct
business during the policy term.
What is the experience modifier, and what is its purpose? - Correct-answer-The
experience modifier reflects employers claims experience, that is, the frequency
and severity, or cost, of claims. The experience modifier is used to calculate an
employers premium.
What information does the General Section A provide in a WC policy? - Correct-
answer-Explains the policy's role as an insurance contract.
What information does the General Section B provide in a WC policy? - Correct-
answer-Clarifies who in insured
, 3|Page
What information does the General Section C provide in a WC policy? - Correct-
answer-Describes workers compensation law
What information does the General Section D provide in a WC policy? - Correct-
answer-Explains in which states coverage applies
What information does the General Section E in a WC policy? - Correct-answer-
Explains in which states coverage applies and identifies workplace locations
where coverage applies
Explain what Paragraph C in the General Section of the WC and EL insurance
policy does not apply to. - Correct-answer-Paragraph C does not focus on federal
workers or federal workers compensation laws.
What is the correct compensation category for the following benefit: Reasonable
and necessary treatment for an injury - Correct-answer-Medical
