Commercial Casualty II – CISR: Questions With In-
Depth Solutions
In BAP what does liability section provide protection from claims for?
Right Ans - Bodily Injury and Property Damage for which insured is legally
responsible for.
In BAP physical damage section what type of protection? Right Ans -
provides coverage for damage to or loss of an insured's covered auto.
What other BAP coverages can be added by endorsement? Right Ans -
Medical payments
personal injury protection
uninsured/underinsured
motorist bodily injury and/or property damage losses
List all BAP Coverage Exposures? Right Ans - 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? Right Ans - 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? Right Ans -
Collision
windshield breakage
theft
fire
vandalism
,Define "Accident" in BAP Right Ans - 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 Right Ans - 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" Right Ans - 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?" Right Ans - 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? Right Ans - "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? Right Ans - 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
-
propelled or not, maintained to provide mobility to permanently mounted
specific equipment. (This wording includes trailers.)
5.
Other vehicles that are not self
-
propelled and are maintained primarily to provide mobility to
specific pe
rmanently attached equipment.
6.
Vehicles not otherwise described maintained primarily for purposes other
than the transportation
of persons or cargo.
Describe what coverage triggers for Symbol 1 Right Ans - liability for any
auto
-provides the broadest coverage possible
-can be used when no owned autos, and umbrella -calls for underlying auto
coverage
Describe what coverage triggers for Symbols 2, 3 & 4? Right Ans - Liability,
Physical Damage, Medical Payments, Personal Injury Protection, Uninsured
Motorists -for owned autos (of same type) acquired during the policy period.
2 - owned auto
3 - owned private passenger, *Symbol three includes Towing & Labor
4 - owned auto other than private passsenger
Describe what coverage triggers for Symbols 5 & 6? Right Ans - Personal
Injury Protection for autos required to have No-fault benefits in the state
where they are licensed or principally garaged. - for owned autos
5- owned auto subject to no fault law
6- owned auto subject to UM, includes newly acquired autos
Depth Solutions
In BAP what does liability section provide protection from claims for?
Right Ans - Bodily Injury and Property Damage for which insured is legally
responsible for.
In BAP physical damage section what type of protection? Right Ans -
provides coverage for damage to or loss of an insured's covered auto.
What other BAP coverages can be added by endorsement? Right Ans -
Medical payments
personal injury protection
uninsured/underinsured
motorist bodily injury and/or property damage losses
List all BAP Coverage Exposures? Right Ans - 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? Right Ans - 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? Right Ans -
Collision
windshield breakage
theft
fire
vandalism
,Define "Accident" in BAP Right Ans - 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 Right Ans - 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" Right Ans - 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?" Right Ans - 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? Right Ans - "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? Right Ans - 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
-
propelled or not, maintained to provide mobility to permanently mounted
specific equipment. (This wording includes trailers.)
5.
Other vehicles that are not self
-
propelled and are maintained primarily to provide mobility to
specific pe
rmanently attached equipment.
6.
Vehicles not otherwise described maintained primarily for purposes other
than the transportation
of persons or cargo.
Describe what coverage triggers for Symbol 1 Right Ans - liability for any
auto
-provides the broadest coverage possible
-can be used when no owned autos, and umbrella -calls for underlying auto
coverage
Describe what coverage triggers for Symbols 2, 3 & 4? Right Ans - Liability,
Physical Damage, Medical Payments, Personal Injury Protection, Uninsured
Motorists -for owned autos (of same type) acquired during the policy period.
2 - owned auto
3 - owned private passenger, *Symbol three includes Towing & Labor
4 - owned auto other than private passsenger
Describe what coverage triggers for Symbols 5 & 6? Right Ans - Personal
Injury Protection for autos required to have No-fault benefits in the state
where they are licensed or principally garaged. - for owned autos
5- owned auto subject to no fault law
6- owned auto subject to UM, includes newly acquired autos
