AINS 103 (Associate In General Insurance) EXAM NEWEST 2026
(GRADED A+ 100% VERIFIED ANSWERS)
Which one of these offenses would not be considered a personal and advertising injury
under Coverage B of the Commercial General Liability Coverage Form?
A. Wrongful eviction from a dwelling or premises that a person occupies
B. Refusing to hire a qualified job applicant because of his ethnicity
C. Malicious prosecution
D. An organization's unauthorized use of another's advertising idea in an advertisement -
ANSWER-B. Refusing to hire a qualified job applicant because of his ethnicity
CGL Coverage B covers injury from:
false arrest
wrongful eviction
libel
slander
infringement upon another's copyright
Chuckie's chicken distributor researches the benefits of consuming chicken versus
consuming beef. In November 2011, Chuckie's publishes a brochure outlining the potential
health hazards of consuming beef and explaining why chicken is a healthier alternative.
Chuckie continues to publish and distribute the same brochure for six months. In March
2012, several beef distributors file a suit against Chuckie's for personal and advertising
,injury. Which one of the following exclusions would apply to this claim under Coverage B of
Chuckie's Commercial General Liability Coverage Form (CGL) with a policy period of January
2012 - January 2013?
A. Knowing violation of rights of another
B. Material published with knowledge of falsity
C. Material published prior to the policy period
D. Unauthorized use of another's name or product - ANSWER-C. Material published prior to
the policy period
Other exclusions to CGL Coverage B include:
knowingly violating the rights of another person
knowingly publishing false material
breaching a contract
any injury arising out of electronic chatrooms/bulletin boards
Renata owns a valuable antique sculpture by a famous artist. One day she accidentally
dropped the sculpture and a piece of it broke off. Renata took the sculpture to an art
restorer, who reattached the broken piece and repaired the surface. From a distance, the
statue looks the same as it did before Renata dropped it, but a close inspection reveals the
repair. Which one of the following best describes the financial consequences of the
accident? - ANSWER-The financial consequences include the cost of the repair and the
reduction in value resulting from the repaired damage.
,Sarah was looking for new furniture for her home and visited a local woodworker's studio.
While she was admiring a bookcase, it accidentally fell over and injured her leg. From the
commercial liability standpoint of the woodworker, this is an example of - ANSWER-Premises
and operations liability.
A family recently purchased a new home constructed by a residential home builder. Two
months after taking possession, several of the family members were injured when the roof
suddenly collapsed. The family sued the construction company and was awarded monetary
damages for their injuries. This is an example of which one of the following types of
commercial liability loss exposure for the construction company? - ANSWER-Completed
operations and liability.
The extent of an organization's product of human intelligence that has economic value refers
to which one of the following? - ANSWER-Intellectual property.
Which one of the following components of the commercial property part of a commercial
package policy can be used to tailor the coverage to meet the specialized needs of a
particular insured or eliminate exposure that the underwriter is unwilling to insure? -
ANSWER-Endorsements.
Gilbert Industries insures its building and personal property under the Building and Personal
Property Coverage Form (BPP). A large section on the building was destroyed by fire after
the building was struck by lightning. Because the building was over 25 years-old, there had
been a number of building code changes since it was constructed. In order for Gilbert
Industries to comply with these new codes, the cost of rebuilding would increase. Which one
of the following additional coverages under the BPP would provide coverage for these
costs? - ANSWER-Increased cost of construction coverage.
, Coverage will apply under the liability insuring agreement of the Business Auto Coverage
Form (BACF) for bodily injury or property damage - ANSWER-Caused by an accident.
If the insured expands operations into a new state, which one of the following statements is
true? - ANSWER-The insured must notify the insurer within thirty days or else no coverage
will apply for that state.
Excess and umbrella liability coverages provide additional coverages for liability exposures
in which it may be problematic to determine the - ANSWER-Maximum probable loss.
The Coverage B—Personal and Advertising Injury Liability of the Commercial General Liability
(CGL) Coverage Form parallels the Coverage A insuring agreement, but personal and
advertising injury applies to an
A. Physical injury arising from the insured's business.
B. Occurrence arising out the named insured's business.
C. Accident arising from the insured's business.
D. Offense arising out of the named insured's business. - ANSWER-D. Offense arising out of
the named insured's business.
Under the Commercial General Liability (CGL) Coverage Form, medical payments coverage
applies to which one of the following?
A. A volunteer worker of the named insured.
(GRADED A+ 100% VERIFIED ANSWERS)
Which one of these offenses would not be considered a personal and advertising injury
under Coverage B of the Commercial General Liability Coverage Form?
A. Wrongful eviction from a dwelling or premises that a person occupies
B. Refusing to hire a qualified job applicant because of his ethnicity
C. Malicious prosecution
D. An organization's unauthorized use of another's advertising idea in an advertisement -
ANSWER-B. Refusing to hire a qualified job applicant because of his ethnicity
CGL Coverage B covers injury from:
false arrest
wrongful eviction
libel
slander
infringement upon another's copyright
Chuckie's chicken distributor researches the benefits of consuming chicken versus
consuming beef. In November 2011, Chuckie's publishes a brochure outlining the potential
health hazards of consuming beef and explaining why chicken is a healthier alternative.
Chuckie continues to publish and distribute the same brochure for six months. In March
2012, several beef distributors file a suit against Chuckie's for personal and advertising
,injury. Which one of the following exclusions would apply to this claim under Coverage B of
Chuckie's Commercial General Liability Coverage Form (CGL) with a policy period of January
2012 - January 2013?
A. Knowing violation of rights of another
B. Material published with knowledge of falsity
C. Material published prior to the policy period
D. Unauthorized use of another's name or product - ANSWER-C. Material published prior to
the policy period
Other exclusions to CGL Coverage B include:
knowingly violating the rights of another person
knowingly publishing false material
breaching a contract
any injury arising out of electronic chatrooms/bulletin boards
Renata owns a valuable antique sculpture by a famous artist. One day she accidentally
dropped the sculpture and a piece of it broke off. Renata took the sculpture to an art
restorer, who reattached the broken piece and repaired the surface. From a distance, the
statue looks the same as it did before Renata dropped it, but a close inspection reveals the
repair. Which one of the following best describes the financial consequences of the
accident? - ANSWER-The financial consequences include the cost of the repair and the
reduction in value resulting from the repaired damage.
,Sarah was looking for new furniture for her home and visited a local woodworker's studio.
While she was admiring a bookcase, it accidentally fell over and injured her leg. From the
commercial liability standpoint of the woodworker, this is an example of - ANSWER-Premises
and operations liability.
A family recently purchased a new home constructed by a residential home builder. Two
months after taking possession, several of the family members were injured when the roof
suddenly collapsed. The family sued the construction company and was awarded monetary
damages for their injuries. This is an example of which one of the following types of
commercial liability loss exposure for the construction company? - ANSWER-Completed
operations and liability.
The extent of an organization's product of human intelligence that has economic value refers
to which one of the following? - ANSWER-Intellectual property.
Which one of the following components of the commercial property part of a commercial
package policy can be used to tailor the coverage to meet the specialized needs of a
particular insured or eliminate exposure that the underwriter is unwilling to insure? -
ANSWER-Endorsements.
Gilbert Industries insures its building and personal property under the Building and Personal
Property Coverage Form (BPP). A large section on the building was destroyed by fire after
the building was struck by lightning. Because the building was over 25 years-old, there had
been a number of building code changes since it was constructed. In order for Gilbert
Industries to comply with these new codes, the cost of rebuilding would increase. Which one
of the following additional coverages under the BPP would provide coverage for these
costs? - ANSWER-Increased cost of construction coverage.
, Coverage will apply under the liability insuring agreement of the Business Auto Coverage
Form (BACF) for bodily injury or property damage - ANSWER-Caused by an accident.
If the insured expands operations into a new state, which one of the following statements is
true? - ANSWER-The insured must notify the insurer within thirty days or else no coverage
will apply for that state.
Excess and umbrella liability coverages provide additional coverages for liability exposures
in which it may be problematic to determine the - ANSWER-Maximum probable loss.
The Coverage B—Personal and Advertising Injury Liability of the Commercial General Liability
(CGL) Coverage Form parallels the Coverage A insuring agreement, but personal and
advertising injury applies to an
A. Physical injury arising from the insured's business.
B. Occurrence arising out the named insured's business.
C. Accident arising from the insured's business.
D. Offense arising out of the named insured's business. - ANSWER-D. Offense arising out of
the named insured's business.
Under the Commercial General Liability (CGL) Coverage Form, medical payments coverage
applies to which one of the following?
A. A volunteer worker of the named insured.
