CISR-Commercial Casualty II Exam with
Questions and Correct Answers
Types of Employers liability Claims - ✔• third-party action over claim
• care and loss of services
• consequential bodily injury
• dual capacity claims
Third-Party Action Over Claim - ✔Injured employee files a claim with the Employer and is
paid according to law. They also filed a liability claim with the Third Party who in turn filed a
claim against the Employer for contributory negligence
Care and Loss of Services Claim - ✔Example:
• Dependents need care and services an injured parent can no longer provide
• A spouse may sue for loss of consortium or harm to the marriage relationship due to injury
Consequential Bodily Injury Claim - ✔Example" A spouse suffers a heart attack upon
hearing of an injured employee
Dual Capacity Claim - ✔The Employer and Manufacturer are the same entity. The injured
employee files a WC claim with the Employer and is paid benefits according to WC law. Also
filed a liability claim against the Manufacturer for the product contributing to injury.
Worker's Compensation: Part Two — B. EPLI - ✔Pays sums the employer must pay due
to bodily injury to the employee, as long as coverage applies as outlined in the policy and
is covered as described.
,Worker's Compensation: Part Two — C. EPLI Exclusions (12) - ✔• liability assumed under
a contract
• punitive or exemplary damages
• bodily injury to an employee while employed in violation of law with the knowledge of the
employer
• any obligation imposed by a workers compensation or similar law
• intentional bodily injury
• bodily injury outside the U.S., its territories, or Canada, unless the trip is temporary
• damages related to employment practices, such as discrimination and harassment
• bodily injury to any person in work subject to a federal compensation act claim—such as a
United States Longshore and Harbor Workers (USL&H) Act claim or a Defense Base Act claim
• bodily injury to any person in work subject to the Federal Employers Liability Act and other
federal laws
• bodily injury to a master or member of a maritime crew or vessel
• fines for violation of state or federal law
• damages payable under the Migrant and Seasonal Agricultural Worker Protection Act
and other related federal law
Worker's Compensation: Part Two — D. EPLI - ✔Insurance company states it has the right
and duty to defend a claim, proceeding, or suit against the insured for damages payable by the
insurance
Worker's Compensation: Part Two — E. EPLI - ✔insurer will pay costs associated with a claim,
proceeding,or suit it defends. It will also share with other insurance in place on an equal shares
basis
Worker's Compensation: Part Three—Other States Insurance - ✔• Provide temporary,
automatic coverage for incidental exposures and for new operations in other states that
begin after a policy's effective date.
, • Requires the policyholder to notify the insurance company at once if work begins in any
state listed in 3.C. However, the term, "at once," is not defined by the form.
• Triggered when an injured employee makes a claim for
benefits in a state other than one listed in Item 3.A.
• 30 day grace period to move a state from 3.C to 3.A at the beginning of the policy year
Federal Compensation Laws - ✔• Longshore and Harbor Workers Compensation Act
(LHWCA) Coverage Endorsement - WC 00 01 06 A
• Maritime Coverage Endorsement - WC 00 02 01 B
• Outer Continental Shelf Lands Act (OCSLA) Coverage Endorsement - WC 00 01 09 C
Questions and Correct Answers
Types of Employers liability Claims - ✔• third-party action over claim
• care and loss of services
• consequential bodily injury
• dual capacity claims
Third-Party Action Over Claim - ✔Injured employee files a claim with the Employer and is
paid according to law. They also filed a liability claim with the Third Party who in turn filed a
claim against the Employer for contributory negligence
Care and Loss of Services Claim - ✔Example:
• Dependents need care and services an injured parent can no longer provide
• A spouse may sue for loss of consortium or harm to the marriage relationship due to injury
Consequential Bodily Injury Claim - ✔Example" A spouse suffers a heart attack upon
hearing of an injured employee
Dual Capacity Claim - ✔The Employer and Manufacturer are the same entity. The injured
employee files a WC claim with the Employer and is paid benefits according to WC law. Also
filed a liability claim against the Manufacturer for the product contributing to injury.
Worker's Compensation: Part Two — B. EPLI - ✔Pays sums the employer must pay due
to bodily injury to the employee, as long as coverage applies as outlined in the policy and
is covered as described.
,Worker's Compensation: Part Two — C. EPLI Exclusions (12) - ✔• liability assumed under
a contract
• punitive or exemplary damages
• bodily injury to an employee while employed in violation of law with the knowledge of the
employer
• any obligation imposed by a workers compensation or similar law
• intentional bodily injury
• bodily injury outside the U.S., its territories, or Canada, unless the trip is temporary
• damages related to employment practices, such as discrimination and harassment
• bodily injury to any person in work subject to a federal compensation act claim—such as a
United States Longshore and Harbor Workers (USL&H) Act claim or a Defense Base Act claim
• bodily injury to any person in work subject to the Federal Employers Liability Act and other
federal laws
• bodily injury to a master or member of a maritime crew or vessel
• fines for violation of state or federal law
• damages payable under the Migrant and Seasonal Agricultural Worker Protection Act
and other related federal law
Worker's Compensation: Part Two — D. EPLI - ✔Insurance company states it has the right
and duty to defend a claim, proceeding, or suit against the insured for damages payable by the
insurance
Worker's Compensation: Part Two — E. EPLI - ✔insurer will pay costs associated with a claim,
proceeding,or suit it defends. It will also share with other insurance in place on an equal shares
basis
Worker's Compensation: Part Three—Other States Insurance - ✔• Provide temporary,
automatic coverage for incidental exposures and for new operations in other states that
begin after a policy's effective date.
, • Requires the policyholder to notify the insurance company at once if work begins in any
state listed in 3.C. However, the term, "at once," is not defined by the form.
• Triggered when an injured employee makes a claim for
benefits in a state other than one listed in Item 3.A.
• 30 day grace period to move a state from 3.C to 3.A at the beginning of the policy year
Federal Compensation Laws - ✔• Longshore and Harbor Workers Compensation Act
(LHWCA) Coverage Endorsement - WC 00 01 06 A
• Maritime Coverage Endorsement - WC 00 02 01 B
• Outer Continental Shelf Lands Act (OCSLA) Coverage Endorsement - WC 00 01 09 C
