CISR Commercial Casualty II Exam
with 100% Correct Answers
What 3 types of insureds are afforded coverage in auto form? - Answer- 1. "You"
2. Permissive Users of Covered "Autos"
3. Others Who Have Vicarious Liability
Describe what a permissive user is? - Answer- individual who are using a covered auto
with name insured permission
Define who is an insured "you" is in BAC - Answer- -"You" refers to the named insured
shown in the Declarations. If the named insured is an individual, there is no automatic
coverage for any spouse or for any other relative, but the named insured is an insured
for any covered "auto".
-A few states do have mandatory provisions that make persons other than the named
individual (resident spouse, estate executor) a "you".
-The named insured receives the broadest coverage.
Define who is an insured "Others Who Have vicarious Liability" - Answer- anyone who is
legally responsible for the conduct of any insured identified as name insured or a person
who qualifies as a permissive drive
List 5 types of permissive users that do NOT get coverage under BAP Forms - Answer-
1. Owner of rented or borrowed covered "auto"...
2. Employee using his owned "auto"...
3. Any individual working in the auto business...
4. Loading and unloading a covered "auto" by a non-employee...
5. Partner (of partnership) or a member (of LLC) using his owned "auto"...
what is the definition of "attachments" with the supplementary #3 (bonds for release of
attachments made against the insured) - Answer- legal proceedings where a defendant
files and gets a legal claim against the insured's assets to assure value to pay for any
judgement and/or claim)
,Explain Drive Other Car Coverage - Broadened Coverage for Named Individuals (CA 99
10) endorsement - Answer- Typically used to provide non-owned coverage similar but
not identical to that provided by a Personal Auto Policy for an individual. This individual
is typically a corporate officer or key employee who is provided a company car but does
not own a personal auto and does not have a Personal Auto Policy.
-There is a premium charge for each named individual.
-All BAC Form's exclusions apply; none are removed.
Explain Individual Named Insured (CA 99 17) endorsement - Answer- This endorsement
is added to a Business Auto Policy when the named insured is an individual; and at
least one of the covered autos is a private passenger type auto.
What happens for Symbol 7 if late reported to insurance company for new auto? so if
acquired on Mar 1st, and doesn't tell insurance company until Aug 15? - Answer- No
coverage is in place for the newly acquired auto. Coverage requested will now begin on
Aug 15.
In BAP what does liability section provide protection from claims for? - Answer- Bodily
Injury and Property Damage for which insured is legally responsible for.
In BAP physical damage section what type of protection? - Answer- provides coverage
for damage to or loss of an insured's covered auto.
What other BAP coverages can be added by endorsement? - Answer- Medical
payments
personal injury protection
uninsured/underinsured
motorist bodily injury and/or property damage losses
List all BAP Coverage Exposures? - 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? - 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? - Answer- Collision
, windshield breakage
theft
fire
vandalism
Define "Accident" in BAP - 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 - 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" - 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?" - 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? - 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? - 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
with 100% Correct Answers
What 3 types of insureds are afforded coverage in auto form? - Answer- 1. "You"
2. Permissive Users of Covered "Autos"
3. Others Who Have Vicarious Liability
Describe what a permissive user is? - Answer- individual who are using a covered auto
with name insured permission
Define who is an insured "you" is in BAC - Answer- -"You" refers to the named insured
shown in the Declarations. If the named insured is an individual, there is no automatic
coverage for any spouse or for any other relative, but the named insured is an insured
for any covered "auto".
-A few states do have mandatory provisions that make persons other than the named
individual (resident spouse, estate executor) a "you".
-The named insured receives the broadest coverage.
Define who is an insured "Others Who Have vicarious Liability" - Answer- anyone who is
legally responsible for the conduct of any insured identified as name insured or a person
who qualifies as a permissive drive
List 5 types of permissive users that do NOT get coverage under BAP Forms - Answer-
1. Owner of rented or borrowed covered "auto"...
2. Employee using his owned "auto"...
3. Any individual working in the auto business...
4. Loading and unloading a covered "auto" by a non-employee...
5. Partner (of partnership) or a member (of LLC) using his owned "auto"...
what is the definition of "attachments" with the supplementary #3 (bonds for release of
attachments made against the insured) - Answer- legal proceedings where a defendant
files and gets a legal claim against the insured's assets to assure value to pay for any
judgement and/or claim)
,Explain Drive Other Car Coverage - Broadened Coverage for Named Individuals (CA 99
10) endorsement - Answer- Typically used to provide non-owned coverage similar but
not identical to that provided by a Personal Auto Policy for an individual. This individual
is typically a corporate officer or key employee who is provided a company car but does
not own a personal auto and does not have a Personal Auto Policy.
-There is a premium charge for each named individual.
-All BAC Form's exclusions apply; none are removed.
Explain Individual Named Insured (CA 99 17) endorsement - Answer- This endorsement
is added to a Business Auto Policy when the named insured is an individual; and at
least one of the covered autos is a private passenger type auto.
What happens for Symbol 7 if late reported to insurance company for new auto? so if
acquired on Mar 1st, and doesn't tell insurance company until Aug 15? - Answer- No
coverage is in place for the newly acquired auto. Coverage requested will now begin on
Aug 15.
In BAP what does liability section provide protection from claims for? - Answer- Bodily
Injury and Property Damage for which insured is legally responsible for.
In BAP physical damage section what type of protection? - Answer- provides coverage
for damage to or loss of an insured's covered auto.
What other BAP coverages can be added by endorsement? - Answer- Medical
payments
personal injury protection
uninsured/underinsured
motorist bodily injury and/or property damage losses
List all BAP Coverage Exposures? - 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? - 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? - Answer- Collision
, windshield breakage
theft
fire
vandalism
Define "Accident" in BAP - 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 - 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" - 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?" - 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? - 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? - 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
