TCIS Exam 2025 – Therapeutic Crisis Intervention for Schools Certification Study Guide
On March 1, an insured with $100,000 of coverage under the building and personal property coverage
form has a fire that causes $90,000 of damage to covered property. In addition, the insured incurs costs
of $7,500 for debris removal. If the insured's policy expires on July 15, by what date must the insured
report the debris removal costs to the insurer in order for them to be covered under the debris removal
additional coverage? - (ANSWER)September 1
An insured who has included the business income coverage form in her commercial property coverage
part is prevented from opening her store at a strip mall because firefighters have closed off the entire
area to fight a fire at the other end of the mall. this occurs at 8:30 a.m. on Monday. The fire is
extinguished before any damage occurs to the insured's store, but the firefighters keep the area closed
while the safety of the entire strip mall is evaluated. Assuming the mall remains closed by order of the
fire department, at what time does the insured's coverage begin to pay for the loss of business income?
- (ANSWER)8:30 am Thursday
Which of the following causes of loss is EXCLUDED under the commercial property coverage part's
special causes of loss form? - (ANSWER)Mechanical breakdown
The premium audit of a commercial general liability policy provides that - (ANSWER)The premium paid
to initiate coverage is an estimated amount. The insurer determines the actual premium by audits of the
insured's records. - CORRECT ANSWER
A client terminated an individual's employment on August 1. How long is the terminated individual
considered an employee under the client's commercial crime coverage? - (ANSWER)30 days
An insured's increased costs of construction due to building ordinances total $22,000. The insured's limit
of insurance under her building and personal property coverage form is $400,000. Assuming that the
increased costs of construction are covered, how much will the insured's policy pay for this part of the
loss? - (ANSWER)NOT - $20,000
NOT - $22,000
NOT - $10,000
$15,000
,TCIS Exam 2025 – Therapeutic Crisis Intervention for Schools Certification Study Guide
Which of the following statements is true in regard to the bankruptcy of a business insured under a
commercial general liability policy? - (ANSWER)The insurer will continue to honor its obligation to pay
damages for liability and medical expenses in the event an insured business goes bankrupt - CORRECT
ANSWER
The driver of car A is injured when her car is struck from behind by car B. A police officer arrives on the
scene and determines that the accident was caused by the driver of car B. Subsequently, a claim is filed
against the insurance company that insures the driver of car B. In this case, who is the third party to the
claim? - (ANSWER)The driver of car A - CORRECT ANSWER
An insured, accompanied by an employee, is driving an auto covered by the business auto coverage
form to a meeting with a customer when her loses control of the car and hits a guardrail. The insured is
uninjured, but the employee needs medical treatment that costs $400. In addition, the employee cannot
work for 3 days, resulting in $600 of lost earnings. What is the total amount that will be paid under the
insured's auto bodily liability coverage as a result of this accident? - (ANSWER)NOT - $1,000
NOT - $400
A client insured under a building and personal property coverage form decides to sure the insurer in
regard to a loss that occurred in 2018. By what year must the suit be brought under the legal action
against the insurer condition? - (ANSWER)2020
Which of the following coverages is NOT available for inclusion in an ISO commercial package policy? -
(ANSWER)Aviation insurance
A client with commercial auto insurance under the business auto coverage form spends $1,200 to rent
an auto for a period of time after a covered auto is stolen. The stolen auto is covered for theft. How
much of the insured's rental care expense will be paid by the insurer? - (ANSWER)$900 - CORRECT
ANSWER
A commercial insured rented a trailer to store raw materials on the business premises until they are
needed. The trailer was empty but still on the premises, when a tornado overturned it causing $5,500
worth of damage to the trailer. What amount will be covered by the coverage extension for detached
trailers not owned by the insured? - (ANSWER)NOT $5,500
, TCIS Exam 2025 – Therapeutic Crisis Intervention for Schools Certification Study Guide
NOT $2,500
$5,000 - CORRECT ANSWER
NOT $0
A windstorm tears off the outside sign that was attached to a commercial insured's building and
destroys it. It will cost $2,700 to replace the sign. The insured has $200,000 of commercial property
insurance under the business and personal property coverage form. How much will the insured's policy
pay toward replacement of the sign? - (ANSWER)$2,500 - CORRECT ANSWER
Two partners in a business insured with commercial crime coverage are found to have acted in collusion
to embezzle $12,500 for each of them. What total amount will the commercial crime coverage pay for
the loss? - (ANSWER)$0
The vehicles used by the employees and partners of an engineering firm are owned by the employees or
partners themselves - they are not owned or hired by the business or registered to the business. But
they are sometimes used in the business, and the firm wants to obtain coverage for those occasions.
The symbol the firm should select in this case is - (ANSWER)Symbol 9
A client insured under the building and personal property coverage form incurs a loss of electronic data
that costs $3,000 to restore. How much will the insurer pay toward the loss? - (ANSWER)$2,500
A truck covered by a commercial client's business auto coverage form is stolen from the insured
businesses parking lot. Under which of the following physical damage coverages might this loss be
covered? - (ANSWER)NOT - Comprehensive only
An explosion at an insured's warehouse results in $192,000 of damage covered property. Additionally, a
pollutant release must be cleaned from the ground of the insured's premises at a cost of $15,000. The
insured has $200,000 of commercial property insurance under the building and personal property
coverage form. What is the total amount that the insured's policy will pay for this loss related to cleanup
and the pollutants? - (ANSWER)$10,000
On March 1, an insured with $100,000 of coverage under the building and personal property coverage
form has a fire that causes $90,000 of damage to covered property. In addition, the insured incurs costs
of $7,500 for debris removal. If the insured's policy expires on July 15, by what date must the insured
report the debris removal costs to the insurer in order for them to be covered under the debris removal
additional coverage? - (ANSWER)September 1
An insured who has included the business income coverage form in her commercial property coverage
part is prevented from opening her store at a strip mall because firefighters have closed off the entire
area to fight a fire at the other end of the mall. this occurs at 8:30 a.m. on Monday. The fire is
extinguished before any damage occurs to the insured's store, but the firefighters keep the area closed
while the safety of the entire strip mall is evaluated. Assuming the mall remains closed by order of the
fire department, at what time does the insured's coverage begin to pay for the loss of business income?
- (ANSWER)8:30 am Thursday
Which of the following causes of loss is EXCLUDED under the commercial property coverage part's
special causes of loss form? - (ANSWER)Mechanical breakdown
The premium audit of a commercial general liability policy provides that - (ANSWER)The premium paid
to initiate coverage is an estimated amount. The insurer determines the actual premium by audits of the
insured's records. - CORRECT ANSWER
A client terminated an individual's employment on August 1. How long is the terminated individual
considered an employee under the client's commercial crime coverage? - (ANSWER)30 days
An insured's increased costs of construction due to building ordinances total $22,000. The insured's limit
of insurance under her building and personal property coverage form is $400,000. Assuming that the
increased costs of construction are covered, how much will the insured's policy pay for this part of the
loss? - (ANSWER)NOT - $20,000
NOT - $22,000
NOT - $10,000
$15,000
,TCIS Exam 2025 – Therapeutic Crisis Intervention for Schools Certification Study Guide
Which of the following statements is true in regard to the bankruptcy of a business insured under a
commercial general liability policy? - (ANSWER)The insurer will continue to honor its obligation to pay
damages for liability and medical expenses in the event an insured business goes bankrupt - CORRECT
ANSWER
The driver of car A is injured when her car is struck from behind by car B. A police officer arrives on the
scene and determines that the accident was caused by the driver of car B. Subsequently, a claim is filed
against the insurance company that insures the driver of car B. In this case, who is the third party to the
claim? - (ANSWER)The driver of car A - CORRECT ANSWER
An insured, accompanied by an employee, is driving an auto covered by the business auto coverage
form to a meeting with a customer when her loses control of the car and hits a guardrail. The insured is
uninjured, but the employee needs medical treatment that costs $400. In addition, the employee cannot
work for 3 days, resulting in $600 of lost earnings. What is the total amount that will be paid under the
insured's auto bodily liability coverage as a result of this accident? - (ANSWER)NOT - $1,000
NOT - $400
A client insured under a building and personal property coverage form decides to sure the insurer in
regard to a loss that occurred in 2018. By what year must the suit be brought under the legal action
against the insurer condition? - (ANSWER)2020
Which of the following coverages is NOT available for inclusion in an ISO commercial package policy? -
(ANSWER)Aviation insurance
A client with commercial auto insurance under the business auto coverage form spends $1,200 to rent
an auto for a period of time after a covered auto is stolen. The stolen auto is covered for theft. How
much of the insured's rental care expense will be paid by the insurer? - (ANSWER)$900 - CORRECT
ANSWER
A commercial insured rented a trailer to store raw materials on the business premises until they are
needed. The trailer was empty but still on the premises, when a tornado overturned it causing $5,500
worth of damage to the trailer. What amount will be covered by the coverage extension for detached
trailers not owned by the insured? - (ANSWER)NOT $5,500
, TCIS Exam 2025 – Therapeutic Crisis Intervention for Schools Certification Study Guide
NOT $2,500
$5,000 - CORRECT ANSWER
NOT $0
A windstorm tears off the outside sign that was attached to a commercial insured's building and
destroys it. It will cost $2,700 to replace the sign. The insured has $200,000 of commercial property
insurance under the business and personal property coverage form. How much will the insured's policy
pay toward replacement of the sign? - (ANSWER)$2,500 - CORRECT ANSWER
Two partners in a business insured with commercial crime coverage are found to have acted in collusion
to embezzle $12,500 for each of them. What total amount will the commercial crime coverage pay for
the loss? - (ANSWER)$0
The vehicles used by the employees and partners of an engineering firm are owned by the employees or
partners themselves - they are not owned or hired by the business or registered to the business. But
they are sometimes used in the business, and the firm wants to obtain coverage for those occasions.
The symbol the firm should select in this case is - (ANSWER)Symbol 9
A client insured under the building and personal property coverage form incurs a loss of electronic data
that costs $3,000 to restore. How much will the insurer pay toward the loss? - (ANSWER)$2,500
A truck covered by a commercial client's business auto coverage form is stolen from the insured
businesses parking lot. Under which of the following physical damage coverages might this loss be
covered? - (ANSWER)NOT - Comprehensive only
An explosion at an insured's warehouse results in $192,000 of damage covered property. Additionally, a
pollutant release must be cleaned from the ground of the insured's premises at a cost of $15,000. The
insured has $200,000 of commercial property insurance under the building and personal property
coverage form. What is the total amount that the insured's policy will pay for this loss related to cleanup
and the pollutants? - (ANSWER)$10,000
