CISR - Commercial Casualty II - Study Guide
Questions with Correct Answers 2025
State workers compensation laws are a no fault system. T/F - CORRECT ANSWER -True
Employer purchase of workers compensation insurance is voluntary in all states but Texas and
New Jersey. T/F - CORRECT ANSWER -False
It is mandatory in all states but Texas and New Jersey.
One advantage of workers compensation insurance for employers is predictable costs. T/F -
CORRECT ANSWER -True
List four states that workers compensation is a monopolistic state fund. - CORRECT ANSWER -
North Dakota, Ohio, Wyoming, Washington
List two states where workers comp insurance is elective. - CORRECT ANSWER -
Texas and New Jersey
Things listed in Item 1 of the Information page (Dec Page) of a workers compensation policy. -
CORRECT ANSWER -The employers type of organization
Things listed in Item 2 of the Information page (Dec Page) of a workers compensation policy. -
CORRECT ANSWER -Policies Effective Date and Expiration Date
Things listed in Item 3 of the Information page (Dec Page) of a workers compensation policy. -
CORRECT ANSWER -the list of states in which an insured has or expects to have operations
description of the employers liability coverage
,details the limits of insurance for employers liability
Things listed in Item 4 of the Information page (Dec Page) of a workers compensation policy. -
CORRECT ANSWER -provides information used to calculate an estimated premium
What is the difference between item 3.A. and 3.C. ? - CORRECT ANSWER -
Item 3.A. triggers Workers Compensation Insurance for the state or states listed in which the p
olicyholder has ongoing operations. In item 3.C., all the other states in the U.S., except those s
hown in item 3.A. and the monopolistic states, are shown or listed to trigger Other States Insur
ance for claims that could be made in that state by employees who are there on a temporary b
asis. For example, in item 3.C., a business located only in Oklahoma might have listed: "All stat
es except OK, ND, OH, WA, WY."
What is the experience modifier and what is its purpose? - CORRECT ANSWER -
The experience modifier reflects employers claims experience, that is, the frequency and severi
ty, or cost, of claims. The experience modifier—
a value that is normally more or less than 1.0—is used to calculate an employer's premium
What is the general purpose of section A of the workers compensation coverage page? -
CORRECT ANSWER -Explains the policy's role as an insurance contract
What is the general purpose of section B of the workers compensation coverage page? -
CORRECT ANSWER -Clarifies who is insured
What is the general purpose of section C of the workers compensation coverage page? -
CORRECT ANSWER -Describes workers compensation law
What is the general purpose of section D of the workers compensation coverage page? -
CORRECT ANSWER -Explains in which states coverage applies
, What is the general purpose of section E of the workers compensation coverage page? -
CORRECT ANSWER -
Explains in which states coverage applies, Identifies workplace locations where coverage applie
s
Explain what Paragraph C. in the General Section of the Workers Compensation and Employers
Liability Insurance Policy does not apply to. - CORRECT ANSWER -
Paragraph C. does not focus on federal workers or federal workers compensation laws.
Part of the Workers Compensation Insurance Form outlin
es how the applies. It applies to a bodily injury by
, or a bodily injury by disease, that occurred
the policy period and which was by the c
onditions of employment. - CORRECT ANSWER -One,
Insurance,
Accident,
During,
Caused or Aggrevated
Medical - CORRECT ANSWER -reasonable and necessary treatment for an injury
Disability - CORRECT ANSWER -
compensation for types of permanent injury, compensation for lost wages
Rehabilitation - CORRECT ANSWER -restoration of an employee's physical capacity
Death - CORRECT ANSWER -financial support for beneficiaries
Questions with Correct Answers 2025
State workers compensation laws are a no fault system. T/F - CORRECT ANSWER -True
Employer purchase of workers compensation insurance is voluntary in all states but Texas and
New Jersey. T/F - CORRECT ANSWER -False
It is mandatory in all states but Texas and New Jersey.
One advantage of workers compensation insurance for employers is predictable costs. T/F -
CORRECT ANSWER -True
List four states that workers compensation is a monopolistic state fund. - CORRECT ANSWER -
North Dakota, Ohio, Wyoming, Washington
List two states where workers comp insurance is elective. - CORRECT ANSWER -
Texas and New Jersey
Things listed in Item 1 of the Information page (Dec Page) of a workers compensation policy. -
CORRECT ANSWER -The employers type of organization
Things listed in Item 2 of the Information page (Dec Page) of a workers compensation policy. -
CORRECT ANSWER -Policies Effective Date and Expiration Date
Things listed in Item 3 of the Information page (Dec Page) of a workers compensation policy. -
CORRECT ANSWER -the list of states in which an insured has or expects to have operations
description of the employers liability coverage
,details the limits of insurance for employers liability
Things listed in Item 4 of the Information page (Dec Page) of a workers compensation policy. -
CORRECT ANSWER -provides information used to calculate an estimated premium
What is the difference between item 3.A. and 3.C. ? - CORRECT ANSWER -
Item 3.A. triggers Workers Compensation Insurance for the state or states listed in which the p
olicyholder has ongoing operations. In item 3.C., all the other states in the U.S., except those s
hown in item 3.A. and the monopolistic states, are shown or listed to trigger Other States Insur
ance for claims that could be made in that state by employees who are there on a temporary b
asis. For example, in item 3.C., a business located only in Oklahoma might have listed: "All stat
es except OK, ND, OH, WA, WY."
What is the experience modifier and what is its purpose? - CORRECT ANSWER -
The experience modifier reflects employers claims experience, that is, the frequency and severi
ty, or cost, of claims. The experience modifier—
a value that is normally more or less than 1.0—is used to calculate an employer's premium
What is the general purpose of section A of the workers compensation coverage page? -
CORRECT ANSWER -Explains the policy's role as an insurance contract
What is the general purpose of section B of the workers compensation coverage page? -
CORRECT ANSWER -Clarifies who is insured
What is the general purpose of section C of the workers compensation coverage page? -
CORRECT ANSWER -Describes workers compensation law
What is the general purpose of section D of the workers compensation coverage page? -
CORRECT ANSWER -Explains in which states coverage applies
, What is the general purpose of section E of the workers compensation coverage page? -
CORRECT ANSWER -
Explains in which states coverage applies, Identifies workplace locations where coverage applie
s
Explain what Paragraph C. in the General Section of the Workers Compensation and Employers
Liability Insurance Policy does not apply to. - CORRECT ANSWER -
Paragraph C. does not focus on federal workers or federal workers compensation laws.
Part of the Workers Compensation Insurance Form outlin
es how the applies. It applies to a bodily injury by
, or a bodily injury by disease, that occurred
the policy period and which was by the c
onditions of employment. - CORRECT ANSWER -One,
Insurance,
Accident,
During,
Caused or Aggrevated
Medical - CORRECT ANSWER -reasonable and necessary treatment for an injury
Disability - CORRECT ANSWER -
compensation for types of permanent injury, compensation for lost wages
Rehabilitation - CORRECT ANSWER -restoration of an employee's physical capacity
Death - CORRECT ANSWER -financial support for beneficiaries
