Commercial Casualty II – CISR UPDATED
ACTUAL Questions and CORRECT
Answers
In BAP what does liability section provide protection from claims for? - CORRECT
ANSWER - Bodily Injury and Property Damage for which insured is legally responsible
for.
In BAP physical damage section what type of protection? - CORRECT ANSWER -
provides coverage for damage to or loss of an insured's covered auto.
What other BAP coverages can be added by endorsement? - CORRECT ANSWER -
Medical payments
personal injury protection
uninsured/underinsured
motorist bodily injury and/or property damage losses
List all BAP Coverage Exposures? - CORRECT ANSWER - Liability
physical damage
comprehensive
collision
Owned auto
non-owned auto
hired or borrowed auto
specified cause of loss
towing for private passenger
What are BAP liability auto exposures that can arise out of insured maintenance or use of several
types autos? - CORRECT ANSWER - Autos name insured owns
,Autos Name insured does not own, but uses in business
Autos name insured hires or borrows
List some common claims that arises out of physical damage? - CORRECT ANSWER -
Collision
windshield breakage
theft
fire
vandalism
Define "Accident" in BAP - CORRECT ANSWER - Does not have to be sudden. A
Continuous or repeated exposure to the same conditions that result in BI or PD
Define "Auto" in BAP - CORRECT ANSWER - a land motor vehicle, trailer or semi
trailer designed to travel on public roads
subject to financial responsibility law or other MV law where it is licensed or principally garaged
Recap CGL "insured contracts" - CORRECT ANSWER - Lease of premises
Sidetrack agreement
easement or license agreement
obligation as required by ordinance
assumed tort liability
*BAP elevator maintenance is not applicable!
BAP uses LEAS plus what other "insured contract?" - CORRECT ANSWER - Rental
Lease agreement - made by name insured or any of it's employees.
does not cover property damage to auto rented or leased by name insured or one of the
employees
, Recap descriptive phrases for GL mobile equipment? - CORRECT ANSWER - "designed
for use off public roads"
"used primarily to service premises you own or rent"
"moves on crawler treads"
"self propelled or not
self propelled"
"provides mobility to permanently mounted specific equipment"
"not otherwise described ... maintained for purposes other than transport of persons or cargo"
What 6 types mobile equipment for BAP? - CORRECT ANSWER - 1.
Bulldozers, farm machinery, forklifts and
other vehicles designed for use principally off public roads.
2.
Vehicles maintained for use solely on or next to premises you own or rent. (The key words are
"maintained for use solely on premises you own or rent".)
3.
Vehicles that travel on crawler treads.
4.
Vehicles, whether self
-
propelled or not, maintained to provide mobility to permanently mounted
specific equipment. (This wording includes trailers.)
5.
Other vehicles that are not self
-
propelled and are maintained primarily to provide mobility to
specific pe
rmanently attached equipment.
ACTUAL Questions and CORRECT
Answers
In BAP what does liability section provide protection from claims for? - CORRECT
ANSWER - Bodily Injury and Property Damage for which insured is legally responsible
for.
In BAP physical damage section what type of protection? - CORRECT ANSWER -
provides coverage for damage to or loss of an insured's covered auto.
What other BAP coverages can be added by endorsement? - CORRECT ANSWER -
Medical payments
personal injury protection
uninsured/underinsured
motorist bodily injury and/or property damage losses
List all BAP Coverage Exposures? - CORRECT ANSWER - Liability
physical damage
comprehensive
collision
Owned auto
non-owned auto
hired or borrowed auto
specified cause of loss
towing for private passenger
What are BAP liability auto exposures that can arise out of insured maintenance or use of several
types autos? - CORRECT ANSWER - Autos name insured owns
,Autos Name insured does not own, but uses in business
Autos name insured hires or borrows
List some common claims that arises out of physical damage? - CORRECT ANSWER -
Collision
windshield breakage
theft
fire
vandalism
Define "Accident" in BAP - CORRECT ANSWER - Does not have to be sudden. A
Continuous or repeated exposure to the same conditions that result in BI or PD
Define "Auto" in BAP - CORRECT ANSWER - a land motor vehicle, trailer or semi
trailer designed to travel on public roads
subject to financial responsibility law or other MV law where it is licensed or principally garaged
Recap CGL "insured contracts" - CORRECT ANSWER - Lease of premises
Sidetrack agreement
easement or license agreement
obligation as required by ordinance
assumed tort liability
*BAP elevator maintenance is not applicable!
BAP uses LEAS plus what other "insured contract?" - CORRECT ANSWER - Rental
Lease agreement - made by name insured or any of it's employees.
does not cover property damage to auto rented or leased by name insured or one of the
employees
, Recap descriptive phrases for GL mobile equipment? - CORRECT ANSWER - "designed
for use off public roads"
"used primarily to service premises you own or rent"
"moves on crawler treads"
"self propelled or not
self propelled"
"provides mobility to permanently mounted specific equipment"
"not otherwise described ... maintained for purposes other than transport of persons or cargo"
What 6 types mobile equipment for BAP? - CORRECT ANSWER - 1.
Bulldozers, farm machinery, forklifts and
other vehicles designed for use principally off public roads.
2.
Vehicles maintained for use solely on or next to premises you own or rent. (The key words are
"maintained for use solely on premises you own or rent".)
3.
Vehicles that travel on crawler treads.
4.
Vehicles, whether self
-
propelled or not, maintained to provide mobility to permanently mounted
specific equipment. (This wording includes trailers.)
5.
Other vehicles that are not self
-
propelled and are maintained primarily to provide mobility to
specific pe
rmanently attached equipment.
