CIC COMMERCIAL CASUALTY
KNOWLEDGE CHECKS EXAM
QUESTIONS WITH CORRECT ANSWERS
Named insured lives in NY, in the fashion business. Does coverage apply to BI or PD
caused by an employee while conducting the named insured's business in Europe
under an unendorsed CGL: salesperson resides in NY, travels to Europe for 10 days on
business, a suit is filed in NY. - Answer-Yes; CGL coverage territory can be defined as
limited worldwide—if temporary businesses travel of a resident of the territory and suit is
filed in US.
Insured contracts?
1.All contracts signed by named insured
2. All liability assumed in lease of premises
3. That part of a copy machine rental contract under which named insured assumes the
tort liability of another party for injury to a third party
4. That part of a construction contract to do roofing, under which the names insured
assumes the tort liability of another party for injury to a third party - Answer-1. No; not
included in LEASE+ acronym
2. No; lease of premises except
3. Yes; Plus—any other contract named insured assumes tort liability of another
4. Yes; Plus—any other contract named insured assumes tort liability of another
Example of host liquor liability - Answer-Named insured serves wine at office holiday
party—not in the business of alcohol
Covered under Coverage A?
1. An employee of named insured accidentally knocks over large display causing
injuries to a customer
2. An irate customer threatening other customers with a weapon is tackled and injured
by employee who was trying to protect the other customers
3. An employee suffers BI due to slip on named insured's premises
4. A leased worker injuries his back in work-related injury - Answer-1. Yes; employees
qualify as insureds related to business operations
2. Yes; expected or intended injury exclusion exception applies to BI from reasonable
force
3. No; workers comp and employers liability exclusion
4. No; leased workers do not qualify as insureds
Covered under Coverage A of unendorsed CGL?
1. Chemicals leak from storage tank at the named insured's location causing damage to
neighbor's business
, 2. Furnace at named insure's hotel malfunctions emitting fumes causing several guest
to become ill
3. Named insured's bulldozer overturns at a job site causing diesel fuel to flow out of its
tank and damage neighbor's property
4. Waste being treated at the named insured's manufacturing plant escapes causing PD
to nearby businesses - Answer-1. No; pollution exclusion excludes at of from any
premises owned or occupied by insured
2. Yes; pollution exclusion exception provides coverage for BI sustained within building
and caused by fumes from building heating equipment
3. Yes; operations exception provides coverage for BI or PD from accidental release of
operating fluids related to operations of mobile equipment
4. No; pollution exclusion excludes operations to treat pollutants
Covered under Coverage A?
1. While operating backhoe, named insured's employee causes damage to underground
utilities at job site
2. Employee operating a forklift backs into the named insured's storage barn causing
PD
3. While operating mobile equipment borrowed from another contractor, named insured
damages the equipment
4. While valet parking customer's auto, employee of named insured hits a concrete post
causing PD to customer's auto - Answer-1. Yes; operations exception?
2. No; damage to property exclusion excludes PD to property named insured occupies
3. No; damage to property exclusion excludes PD to property loaned to named insured
4. No; damage to property exclusion excludes damage to personal property in insured's
care custody or control
Would Coverage A apply to following claims?
1. Battery operated toy manufactured by the named insured explodes causing injury to
a child
2. Balcony constructed by the named insured collapses; causing BI to those standing on
it
3. Appliances that contain a defective switch manufactured by the NI do not work and
therefore cannot be sold
4. NI, infant car seat manufacturer, turns in claim for expenses incurred to recall certain
models that contain a defect
5. NI, an electrician, causes a power outage at a job site that results in loss of electronic
data belonging to their customer
6. NI who uses an automotive pre-recorded message dialing system to sell their
products has a claim filed by person on their do not call list - Answer-1. Yes; resulting BI
is covered
2. Yes; resulting BI is covered
3. No; impaired property exclusion
4. No; recall exclusion
5. No; electronic data exclusion
6. No; dissemination of information
KNOWLEDGE CHECKS EXAM
QUESTIONS WITH CORRECT ANSWERS
Named insured lives in NY, in the fashion business. Does coverage apply to BI or PD
caused by an employee while conducting the named insured's business in Europe
under an unendorsed CGL: salesperson resides in NY, travels to Europe for 10 days on
business, a suit is filed in NY. - Answer-Yes; CGL coverage territory can be defined as
limited worldwide—if temporary businesses travel of a resident of the territory and suit is
filed in US.
Insured contracts?
1.All contracts signed by named insured
2. All liability assumed in lease of premises
3. That part of a copy machine rental contract under which named insured assumes the
tort liability of another party for injury to a third party
4. That part of a construction contract to do roofing, under which the names insured
assumes the tort liability of another party for injury to a third party - Answer-1. No; not
included in LEASE+ acronym
2. No; lease of premises except
3. Yes; Plus—any other contract named insured assumes tort liability of another
4. Yes; Plus—any other contract named insured assumes tort liability of another
Example of host liquor liability - Answer-Named insured serves wine at office holiday
party—not in the business of alcohol
Covered under Coverage A?
1. An employee of named insured accidentally knocks over large display causing
injuries to a customer
2. An irate customer threatening other customers with a weapon is tackled and injured
by employee who was trying to protect the other customers
3. An employee suffers BI due to slip on named insured's premises
4. A leased worker injuries his back in work-related injury - Answer-1. Yes; employees
qualify as insureds related to business operations
2. Yes; expected or intended injury exclusion exception applies to BI from reasonable
force
3. No; workers comp and employers liability exclusion
4. No; leased workers do not qualify as insureds
Covered under Coverage A of unendorsed CGL?
1. Chemicals leak from storage tank at the named insured's location causing damage to
neighbor's business
, 2. Furnace at named insure's hotel malfunctions emitting fumes causing several guest
to become ill
3. Named insured's bulldozer overturns at a job site causing diesel fuel to flow out of its
tank and damage neighbor's property
4. Waste being treated at the named insured's manufacturing plant escapes causing PD
to nearby businesses - Answer-1. No; pollution exclusion excludes at of from any
premises owned or occupied by insured
2. Yes; pollution exclusion exception provides coverage for BI sustained within building
and caused by fumes from building heating equipment
3. Yes; operations exception provides coverage for BI or PD from accidental release of
operating fluids related to operations of mobile equipment
4. No; pollution exclusion excludes operations to treat pollutants
Covered under Coverage A?
1. While operating backhoe, named insured's employee causes damage to underground
utilities at job site
2. Employee operating a forklift backs into the named insured's storage barn causing
PD
3. While operating mobile equipment borrowed from another contractor, named insured
damages the equipment
4. While valet parking customer's auto, employee of named insured hits a concrete post
causing PD to customer's auto - Answer-1. Yes; operations exception?
2. No; damage to property exclusion excludes PD to property named insured occupies
3. No; damage to property exclusion excludes PD to property loaned to named insured
4. No; damage to property exclusion excludes damage to personal property in insured's
care custody or control
Would Coverage A apply to following claims?
1. Battery operated toy manufactured by the named insured explodes causing injury to
a child
2. Balcony constructed by the named insured collapses; causing BI to those standing on
it
3. Appliances that contain a defective switch manufactured by the NI do not work and
therefore cannot be sold
4. NI, infant car seat manufacturer, turns in claim for expenses incurred to recall certain
models that contain a defect
5. NI, an electrician, causes a power outage at a job site that results in loss of electronic
data belonging to their customer
6. NI who uses an automotive pre-recorded message dialing system to sell their
products has a claim filed by person on their do not call list - Answer-1. Yes; resulting BI
is covered
2. Yes; resulting BI is covered
3. No; impaired property exclusion
4. No; recall exclusion
5. No; electronic data exclusion
6. No; dissemination of information
