CIC Commercial Casualty
3rd party or Action Over claim EL claim - ANS-pays damages to a third party as a result
of injury or disease to an employee
Americans with Disabilities - ANS-1. could discriminate based on a disability
2. defined by physical or mental impairment (1/6 of US population)
3. required reasonable accommodations as defined by law
Apply physical damage exclusions in the BACF - ANS-1. Nuc hazard/war/military action
2. extra hazardous activity
3. normal wear & tear of the auto
4. specific types of equipment or accessories
Broad coverage- for Employment related practices - ANS-Claims for discrimination,
wrongful termination, harassment, and other related acts
Businessowner Policy - ANS-liabilty coverage similar to the CGL
1. exclusion of employment practices
Care and Loss of service EL claim - ANS-pays damages of a direct consequential loss
as a result of injury or disease to an employee
CGL outline - ANS-Coverage A- Bodily injury & property damage
1. Insuring Agreement
a. definition of BI, occurence, & property damage
b. exclusions
Coverage B- Personal & Ad injury
Frequently used endoresments
1. employment related practices exclusion
Characteristics of an excess policy - ANS-1. provides additional limits
2. additional layer of protection on specific exposures
3. only comes into play when pmt has been made under primary policy
4. no standard form
5. follow form
characteristics of an umbrella policy - ANS-1. additional/higher limits
2. broader coverage subject to SRI
, 3. Drop down provision
4. no standard form
Civil Rights Act of 1964/Title VII - ANS-1. prohibits discrimination based on race, sex,
religion, national origin
2. provides relief for lost wages, benefits
Civil Rights Act of 1991 - ANS-1. expanded coverage for all sexual harassment claims
2. paid punitive damages and compensatory
3. expands federal employment discrimination laws to US corps employing US citizens
in foreign countries
Commercial Excess/Umbrella common exclusions - ANS-1. Discrimination
2. Employment related practices
3. ERISA and other Fed related laws
Common law practice related to employment practices - ANS-1. Negligence- hiring
practices
2. Intentional torts- libel, humiliation, slander, wrongful detention or false imprisonment,
invasion of privacy, discrimination, retaliation
3. Breach of contract- wrongful termination, failure to provide pay per employment
contract
4. Disparate Impact v. Disparate treatment
Consequential Bodily injury EL claim - ANS-pays for damages for a direct or
consequential loss to a spouse, child, parent, sibling as a result of injury or disease to
an EE
Coverage C BACF exclusions - ANS-1. vehicles used as a premises
2. vehicles owned for regular use or owned by a family member
3. BI to an EE
4. Auto business, except named insured's business
5. War
Define and apply "insured contract" CGL - ANS-a. the lease of a premises
b. side track
c. easement or license agreement, except within 50ft of a railroad
d. ordinance to indemnify a municipality
e. elevator maintenance
f. assumed tort liability
3rd party or Action Over claim EL claim - ANS-pays damages to a third party as a result
of injury or disease to an employee
Americans with Disabilities - ANS-1. could discriminate based on a disability
2. defined by physical or mental impairment (1/6 of US population)
3. required reasonable accommodations as defined by law
Apply physical damage exclusions in the BACF - ANS-1. Nuc hazard/war/military action
2. extra hazardous activity
3. normal wear & tear of the auto
4. specific types of equipment or accessories
Broad coverage- for Employment related practices - ANS-Claims for discrimination,
wrongful termination, harassment, and other related acts
Businessowner Policy - ANS-liabilty coverage similar to the CGL
1. exclusion of employment practices
Care and Loss of service EL claim - ANS-pays damages of a direct consequential loss
as a result of injury or disease to an employee
CGL outline - ANS-Coverage A- Bodily injury & property damage
1. Insuring Agreement
a. definition of BI, occurence, & property damage
b. exclusions
Coverage B- Personal & Ad injury
Frequently used endoresments
1. employment related practices exclusion
Characteristics of an excess policy - ANS-1. provides additional limits
2. additional layer of protection on specific exposures
3. only comes into play when pmt has been made under primary policy
4. no standard form
5. follow form
characteristics of an umbrella policy - ANS-1. additional/higher limits
2. broader coverage subject to SRI
, 3. Drop down provision
4. no standard form
Civil Rights Act of 1964/Title VII - ANS-1. prohibits discrimination based on race, sex,
religion, national origin
2. provides relief for lost wages, benefits
Civil Rights Act of 1991 - ANS-1. expanded coverage for all sexual harassment claims
2. paid punitive damages and compensatory
3. expands federal employment discrimination laws to US corps employing US citizens
in foreign countries
Commercial Excess/Umbrella common exclusions - ANS-1. Discrimination
2. Employment related practices
3. ERISA and other Fed related laws
Common law practice related to employment practices - ANS-1. Negligence- hiring
practices
2. Intentional torts- libel, humiliation, slander, wrongful detention or false imprisonment,
invasion of privacy, discrimination, retaliation
3. Breach of contract- wrongful termination, failure to provide pay per employment
contract
4. Disparate Impact v. Disparate treatment
Consequential Bodily injury EL claim - ANS-pays for damages for a direct or
consequential loss to a spouse, child, parent, sibling as a result of injury or disease to
an EE
Coverage C BACF exclusions - ANS-1. vehicles used as a premises
2. vehicles owned for regular use or owned by a family member
3. BI to an EE
4. Auto business, except named insured's business
5. War
Define and apply "insured contract" CGL - ANS-a. the lease of a premises
b. side track
c. easement or license agreement, except within 50ft of a railroad
d. ordinance to indemnify a municipality
e. elevator maintenance
f. assumed tort liability
