CIC Commercial Casualty Exam-Questions with Correct Answers/
Verified/ Latest (2024/2025)
1.1) If you are designated in the declarations as an individual, who else is an insured? -
✔✔You AND your spouse, but only with respect to the business
1.1) If you are designated in the declarations as a partnership or joint venture , who else is
an insured? - ✔✔You are an insured, your members, partners, and their spouses are also
insureds, but only with respect to the business
1.1) If you are designated in the declarations as an LLC, who else is an insured? - ✔✔You,
your members, but only in respect to the business. Your managers are insureds, but only in
respect to their duties as managers
1.1) If you are designated in the declarations as an organization other than partnership, joint
venture, or LLC, who else is an insured? - ✔✔You, your officers, and directors, but only with
respect to the business Stockholders are also insureds, but only in respect to their duties as
stockholders
1.1) If you are designated in the declarations as a trust, who else is an insured? - ✔✔You
and your trustees but only in respect to the business
1.1) Aside from owners, officers, or managers, who else is automatically insureds as well? -
✔✔Volunteer Workers (while preforming duties related to the conduct of the business) and
Employees (only in the scope of their employment) Real Estate Managers
1.1) Volunteer Workers and Employees are automatically insureds. Which type(s) of
employees are NOT automatic insureds? - ✔✔Temporary or leased workers. They are
excluded
1.1) Employees and volunteer workers are not considered automatic insureds when they
cause... - ✔✔- BI/PD to a named insured
- Injury to the family of a coworker
- BI/AI when providing professional health care services
, - Property damage owned by, or in the CCC of a named insured
1.1) Newly acquired organizations are automatic insureds for what period of time? - ✔✔90
days, excludes claims that occurred prior to acquisition of new organization.
1.2) What are the two promises found in paragraph 'a.' of the insuring agreement? -
✔✔Indemnity and Defense. (Pays sum the insured becomes legally obligated to pay as
damages because of BI/PD and the defense costs)
1.2) Define BI and PD - ✔✔- BI: sickness or disease, injury, or death
- PD: Physical injury or loss of use to tangible property
1.2) Where must the 'occurrence' take place for coverage to be active? - ✔✔The coverage
territory
1.2) What is the coverage territory? - ✔✔US, it's territories and possessions, Puerto Rico
and Canada
1.2) is international airspace part of the coverage territory? - ✔✔Yes, but only when flying
between locations in the coverage territory
1.2) Under what circumstances is the coverage territory worldwide? - ✔✔- Product is made
or sold in territory described in coverage territory
- Temporary business travel
- Personal or advertising injury occurs on the web
- SUIT MUST BE BROUGHT IN THE US
1.2) Is previously known injury or damage a covered loss? - ✔✔No.
1.3) Does coverage A apply to expected or intended injury? - ✔✔No. Expected or intended
injury is an exclusion from Coverage A
Verified/ Latest (2024/2025)
1.1) If you are designated in the declarations as an individual, who else is an insured? -
✔✔You AND your spouse, but only with respect to the business
1.1) If you are designated in the declarations as a partnership or joint venture , who else is
an insured? - ✔✔You are an insured, your members, partners, and their spouses are also
insureds, but only with respect to the business
1.1) If you are designated in the declarations as an LLC, who else is an insured? - ✔✔You,
your members, but only in respect to the business. Your managers are insureds, but only in
respect to their duties as managers
1.1) If you are designated in the declarations as an organization other than partnership, joint
venture, or LLC, who else is an insured? - ✔✔You, your officers, and directors, but only with
respect to the business Stockholders are also insureds, but only in respect to their duties as
stockholders
1.1) If you are designated in the declarations as a trust, who else is an insured? - ✔✔You
and your trustees but only in respect to the business
1.1) Aside from owners, officers, or managers, who else is automatically insureds as well? -
✔✔Volunteer Workers (while preforming duties related to the conduct of the business) and
Employees (only in the scope of their employment) Real Estate Managers
1.1) Volunteer Workers and Employees are automatically insureds. Which type(s) of
employees are NOT automatic insureds? - ✔✔Temporary or leased workers. They are
excluded
1.1) Employees and volunteer workers are not considered automatic insureds when they
cause... - ✔✔- BI/PD to a named insured
- Injury to the family of a coworker
- BI/AI when providing professional health care services
, - Property damage owned by, or in the CCC of a named insured
1.1) Newly acquired organizations are automatic insureds for what period of time? - ✔✔90
days, excludes claims that occurred prior to acquisition of new organization.
1.2) What are the two promises found in paragraph 'a.' of the insuring agreement? -
✔✔Indemnity and Defense. (Pays sum the insured becomes legally obligated to pay as
damages because of BI/PD and the defense costs)
1.2) Define BI and PD - ✔✔- BI: sickness or disease, injury, or death
- PD: Physical injury or loss of use to tangible property
1.2) Where must the 'occurrence' take place for coverage to be active? - ✔✔The coverage
territory
1.2) What is the coverage territory? - ✔✔US, it's territories and possessions, Puerto Rico
and Canada
1.2) is international airspace part of the coverage territory? - ✔✔Yes, but only when flying
between locations in the coverage territory
1.2) Under what circumstances is the coverage territory worldwide? - ✔✔- Product is made
or sold in territory described in coverage territory
- Temporary business travel
- Personal or advertising injury occurs on the web
- SUIT MUST BE BROUGHT IN THE US
1.2) Is previously known injury or damage a covered loss? - ✔✔No.
1.3) Does coverage A apply to expected or intended injury? - ✔✔No. Expected or intended
injury is an exclusion from Coverage A
