CISR Commercial Casualty I- Questions With Complete
Solutions
If a customer gets injured at a retail store when a store display falls on them,
the store can be held liable. What category of liability exposure is this? Explain
your answer. Right Ans - This situation represents a premises liability
exposure, as it arises out of the use of the retail store.
Name the four elements that must be present in order for negligence to occur:
Right Ans - A duty owed to others, a breach of that duty owed, injury or
damages, a proximate cause between the breach of duty and the damages
A business keeps a tiger in a cage on their property as a customer attraction.
One day, the tiger escapes its cage and injures several people. Even though the
store owner followed the safety regulations for dangerous animals, he could
still be held liable. What type of legal liability is this? Explain your answer.
Right Ans - This situation represents strict/absolute liability, as the tiger an
inherently dangerous activity or exposure. Strict liability can be imposed
regardless of the degree of negligence or care exercised by the owner
________________ liability is caused by ongoing activities such as construction,
processing, or servicing things on someone else's property. Right Ans -
Operations
The relationship that exists between and Employer/Employee, or between an
Owner/ Contractor presents a form of _________________ liability. Right Ans -
Vicarious
______________ liability is caused by defects in product design, manufacturing, or
the failure to sufficiently warn or explain the safe use of the product to
consumers. Right Ans - Products
A retail store's mannequin falling onto a customer is an example of
______________ liability Right Ans - Premises
Libel, slander, and false arrest are all examples of a(n) _______________________
Right Ans - Intentional Tort
, ________________ __________________ liability arises out of the injury and/or damage
caused by defective or improper workmanship, after the work has been
completed Right Ans - Completed operations
Losses are compensated to an injured party for by the liable person paying a
sum of money to the claimant. ____________ ___________ are specific dollar
amounts that cover the costs of medical bills, lost income, rehabilitation
expenses, or the repair or replacement of property Right Ans - special
damages
Anyone who offers specialized services from their unique knowledge and
training can be subject to ____________ ____________ Right Ans - Professional
Liability
For ____________ to occur, four elements must be present: a duty owed to others;
a breach of the duty owed; the existence of injury or damages; and a
proximate cause. Right Ans - Negligence
If a tiger were to escape its cage an injure others, it is likely the tiger's owner
could be held to a(n) __________ __________ standard based upon the law Right
Ans - Strict Liability
Match the insured to the scenerio: Used to automatically include persons or
organizations to meet written contract requirements without having to
request additional insured status on an individual basis Right Ans -
Automatic Insured
Match the insured to the scenerio: A person who is not an employee, and who
donates his or her work, and is not paid a fee, salary, or other compensation
by the named insured or anyone else for work performed for the named
insured Right Ans - Volunteer Worker
Match the insured to the scenerio: A third party with an existing business
relationship with the named insured Right Ans - Additional Insured
Match the insured to the scenerio: The individual or company designated by
name in the policy. May be a sole proprietorship, partnership, corporation or
another type of entity Right Ans - Named Insured
Solutions
If a customer gets injured at a retail store when a store display falls on them,
the store can be held liable. What category of liability exposure is this? Explain
your answer. Right Ans - This situation represents a premises liability
exposure, as it arises out of the use of the retail store.
Name the four elements that must be present in order for negligence to occur:
Right Ans - A duty owed to others, a breach of that duty owed, injury or
damages, a proximate cause between the breach of duty and the damages
A business keeps a tiger in a cage on their property as a customer attraction.
One day, the tiger escapes its cage and injures several people. Even though the
store owner followed the safety regulations for dangerous animals, he could
still be held liable. What type of legal liability is this? Explain your answer.
Right Ans - This situation represents strict/absolute liability, as the tiger an
inherently dangerous activity or exposure. Strict liability can be imposed
regardless of the degree of negligence or care exercised by the owner
________________ liability is caused by ongoing activities such as construction,
processing, or servicing things on someone else's property. Right Ans -
Operations
The relationship that exists between and Employer/Employee, or between an
Owner/ Contractor presents a form of _________________ liability. Right Ans -
Vicarious
______________ liability is caused by defects in product design, manufacturing, or
the failure to sufficiently warn or explain the safe use of the product to
consumers. Right Ans - Products
A retail store's mannequin falling onto a customer is an example of
______________ liability Right Ans - Premises
Libel, slander, and false arrest are all examples of a(n) _______________________
Right Ans - Intentional Tort
, ________________ __________________ liability arises out of the injury and/or damage
caused by defective or improper workmanship, after the work has been
completed Right Ans - Completed operations
Losses are compensated to an injured party for by the liable person paying a
sum of money to the claimant. ____________ ___________ are specific dollar
amounts that cover the costs of medical bills, lost income, rehabilitation
expenses, or the repair or replacement of property Right Ans - special
damages
Anyone who offers specialized services from their unique knowledge and
training can be subject to ____________ ____________ Right Ans - Professional
Liability
For ____________ to occur, four elements must be present: a duty owed to others;
a breach of the duty owed; the existence of injury or damages; and a
proximate cause. Right Ans - Negligence
If a tiger were to escape its cage an injure others, it is likely the tiger's owner
could be held to a(n) __________ __________ standard based upon the law Right
Ans - Strict Liability
Match the insured to the scenerio: Used to automatically include persons or
organizations to meet written contract requirements without having to
request additional insured status on an individual basis Right Ans -
Automatic Insured
Match the insured to the scenerio: A person who is not an employee, and who
donates his or her work, and is not paid a fee, salary, or other compensation
by the named insured or anyone else for work performed for the named
insured Right Ans - Volunteer Worker
Match the insured to the scenerio: A third party with an existing business
relationship with the named insured Right Ans - Additional Insured
Match the insured to the scenerio: The individual or company designated by
name in the policy. May be a sole proprietorship, partnership, corporation or
another type of entity Right Ans - Named Insured
