Certified Insurance Service Representative (CISR) Commercial Casualty I Practice Exam

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• How does the 'Other Insurance' clause allocate risk when more than one policy applies?
• Which statement is true about professional liability in relation to a standard CGL policy?
• Which of the following is an example of Personal and Advertising Injury?
• Which term describes the liability that arises from a principal/agent relationship, such as employer-subcontractor dynamic?
• The state of being bound or obliged in law or justice to do, pay, or make good something; a legal responsibility
• Which offenses are typically included in Personal and Advertising Injury?
• In the event of an auto accident caused by a company driver performing duties, which policy generally applies for auto liability?
• Which statement about Coverage C Medical Payments is true?
• Which term denotes any irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste?
• What does Coverage C (Medical Payments) cover, and to whom?
• How does CGL handle intentional acts by the insured?
• 'Additional insured' and how is it typically added?
• Why is the distinction between Your Product and Your Work important for coverage?
• Which statement best defines Bodily Injury as used in CGL Coverage A?
• Which concept describes the liability of one party based upon the liability of another, such as employer/employee relationships?
• Which term describes the state of being bound or obliged in law to do or pay, i.e., a legal responsibility?
• What is the Professional Services exclusion and why is it important for general contractors?
• Which term refers to specific dollar amounts that cover the costs of medical bills, lost income, rehabilitation expenses, or the repair or replacement of property?
• When preparing to ensure adequate CGL coverage, which steps should a business take?
• Which endorsement prevents subrogation against a party when a contract requires waivers of subrogation?
• Which statement about Completed Operations Hazard coverage is true?
• Arises out of legally binding agreements between two or more parties involving specific activities; these agreements may create a situation where one party assumes the financial consequences of certain liabilities that may otherwise be borne by the other party.
• Completed Operations timing question.
• How do defense costs interact with policy limits in CGL?
• Which term describes a civil proceeding in which damages for bodily injury or property damage are alleged under an insurance policy?
• Why are declarations pages important in a CGL policy?
• Which statement about endorsements is true?
• The term Your Product is defined as which of the following?
• Which term refers to the entity named on the policy?
• What must be done to obtain automatic coverage for a Newly Acquired Organization?
• Which of the following is not typically included in Personal and Advertising Injury?
• Tangible property of others that cannot be used or is less useful because it incorporates your product or work that is known or thought to be defective, deficient, inadequate, or dangerous; or because you have failed to fulfill the terms of a contract or agreement?
• Who is the party primarily responsible for fulfilling an indemnity contract by protecting the other party?
• Which description best defines Your Product for insurance purposes?
• Tail coverage is associated with which type of policy?
• What does the Primary and Noncontributory condition require when an additional insured is involved?
• Which statement about professional liability coverage in relation to CGL is true?
• Tail coverage in claims-made policies extends which period?
• What is the consequence of the Pollution Exclusion for a business without environmental coverage?
• What is the purpose of the Separation of Insureds provision?
• Which of the following best describes who can be an additional insured?
• With a primary and noncontributory endorsement for an Additional Insured, how is the loss typically allocated?
• Which term best describes a road-use vehicle that is licensed and subject to motor vehicle laws?
• What are 'Supplementary Payments' in a CGL policy?
• Which item is not included in Your Product?
• What does Coverage C Medical Payments cover, and within what timeframe?
• What triggers Coverage C (Medical Payments) under a typical Commercial General Liability policy, and what is common about its payment timing?
• A legally binding agreement between two or more parties that creates mutual obligations involving specific activities and transactions is called what?
• What is the Completed Operations Hazard?
• Which term refers to the body of law that covers damages for injuries not arising from contractual obligations?
• Define 'bodily injury' as used in a CGL policy.
• What is a potential consequence if the insured fails to give prompt notice of a claim?
• Which term is the costs awarded to punish reckless behavior that exceed general damages?
• Which term defines a person furnished to substitute for a permanent employee on leave?
• What must a business obtain to cover pollution losses when relying on Pollution Exclusion?
• Which trio of exclusions is commonly found in CGL policies?
• How does Other Insurance interact with Primary and Noncontributory endorsements?
• Which statement best describes Your Product vs Your Work?
• What is the retroactive date concept on a claims-made policy, and is it relevant to a CGL policy that is usually occurrence?
• Negligence is defined as the omission to do something which a prudent and reasonable person would do, or doing something which a prudent and reasonable person would not do.
• How do Your Product and Your Work interact with the Products-Completed Operations coverage?
• Which statement best describes the role of Your Work in the CGL program?
• In a claims-made form, which feature is used to preserve coverage for acts that occurred before the policy period?
• Define an insured contract under the contractual liability exclusion.
• CGL is designed to cover which type of liability most relevant for general contracting?
• Under a CGL policy, damage to property owned by others while in the insured's care, custody or control is usually excluded unless what?
• Which is a common exclusion that can limit CGL coverage?
• What is the purpose of the Notice of Claim clause in CGL?
• The party to whom personal property is delivered and entrusted for a specific purpose is called what?
• Which term describes the liability arising from state laws governing business activities such as liquor sales and workers' compensation claims?
• Which endorsement is most commonly used to reduce gaps in protection by extending coverage to others who rely on the insured's policy?
• Endorsements that modify the contractual liability exclusion can provide coverage in which scenario?
• What is the purpose of endorsements in a CGL policy?
• What does the Cross-Liability provision do in a CGL policy?
• Which term refers to liability based on state laws governing activities such as sale of liquor and workers' compensation claims?
• What is the significance of Newly Acquired Organization coverage?
• An occurrence that causes a tort or civil wrong, resulting in injury or property damage, is called a
• Which endorsement is designed to tailor CGL coverage to a specific contract exposure?
• Which statement about the interaction of Your Work with other coverages is true?
• Which term means physical injury to tangible property, including all resulting loss of use of that property?
• Do defense costs typically count toward the policy limit?
• In a claims-made form, what does the retroactive date establish?
• Which of the following is a common exclusion found in Coverage A?
• Which of the following best describes the duration of automatic coverage for a Newly Acquired Organization?
• Who qualifies as an insured under CGL Coverage A?
• Which statement best describes the per occurrence limit in CGL?
• Which term covers injury, including bodily injury, arising out of one or more intentional torts?
• Who is an insured under a CGL policy?
• Which term describes a civil wrong committed against another person or property outside of contract?
• What is the purpose of a Certificate of Insurance showing Additional Insured status?
• What is the difference between Bodily Injury and Property Damage in CGL terms?
• Which scenario would trigger an Advertising Injury claim?
• What is the role of a Certificate of Insurance with respect to Additional Insured endorsements?
• What does Blanket Additional Insured endorsement provide?
• Coverage B Personal and Advertising Injury covers which of the following?
• How does the contractual liability exclusion interact with insured contracts and endorsements?
• Under what conditions and for how long does Newly Acquired Organizations extend CGL coverage?
• Which term describes the possibility of gain or loss that accompanies a set of possible events?
• Which endorsement is most commonly used to ensure the insured's coverage is primary and noncontributory when coordinating with other insurers?
• What is subrogation in a CGL policy?
• If a claim occurs outside the defined policy territory, what is typically required to extend coverage?
• What is the purpose of the Separation of Insureds clause in multi-insured policies?
• Which term describes a land vehicle that cannot be registered as an automobile or used on public roads?
• What does Products liability cover under CGL?
• Name two common risk management steps to reduce CGL exposure for a business.
• Which term describes a voluntary act causing injury or loss, such as libel or false arrest?
• Which endorsement provides automatic coverage for a newly acquired organization for a defined period?
• What does the per-occurrence limit specify?
• What is the primary purpose of the Other Insurance clause?
• What defines an insured contract and when would coverage apply to indemnity obligations arising from it?
• Which term refers to the costs awarded to an aggrieved person due to negligence that exceeds the cost of general or special damages and is levied against the plaintiff as punishment for reckless behavior?
• A clause in a contract that prevents the pursuit of subrogation actions against a party is best described as?
• Distinguish between Products and Completed Operations in CGL coverage timing.
• What is excluded from the definition of Your Product?
• Which endorsement forms are commonly used to add an Additional Insured to a CGL policy and may include a primary and noncontributory clause?
• Which term describes the maximum payment the insurer will make for a given coverage?
• The aggregate limit is the maximum payable for BI/PD for the entire policy period.
• Which endorsement is used to prevent subrogation claims against a party, typically due to contract requirements?
• In risk transfer, waiving subrogation rights helps avoid conflicts between which parties?
• What is the difference between an occurrence form and a claims-made form, and which is commonly used for CGL?
• What is the 'Other Insurance' provision?
• In a contract of indemnity, the party who is to be indemnified or protected by the other party is called?
• What does an 'Additional Insured – Completed Operations' endorsement provide?
• Your Product applies to products controlled by which entities?
• Which term describes goods or products manufactured, sold, handled, distributed, or disposed of by you?
• Do CGL policies usually include a deductible on the liability portion?
• What is the primary function of endorsements used to customize commercial liability coverage?
• The act of writing and publishing untrue and damaging information about another person or business is called
• Which description best defines Property Damage under CGL Coverage A?
• If a policy includes a Waiver of Subrogation, which party gives up subrogation rights?
• Which concept involves an insurer seeking to recover from a responsible party money paid out for a claim?
• Which statement best describes the scope of Your Product?
• When is subrogation typically pursued after paying a claim?
• How is an Additional Insured typically added to a CGL policy?
• Which term refers to an intentional act causing damages or injury to another?
• What is the term for the maximum amount an insurer will pay during the policy period?
• What duties does the insured have to support subrogation after a loss?
• Are Supplementary Payments typically within the policy limit?
• Are punitive damages typically covered under a standard CGL policy?
• Which term denotes any contaminant or irritant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste?
• Define 'property damage' as used in a CGL policy.
• Which damages are intended to compensate the claimant for losses and do not include punitive damages?
• What is a common purpose of endorsements such as Additional Insured, Hired/Non-Owned Auto, and Completed Operations?
• A fire that becomes uncontrollable or breaks out from where it was intended to be is called?
• What ongoing practice is essential to maintain adequate CGL coverage?
• Which damages are intended to compensate for intangible losses such as pain and suffering?
• In CGL, what is the purpose of a Waiver of Subrogation endorsement?
• How does Subrogation protect future premiums?
• What term describes a contract provision in which one party agrees to assume liability for damages or injuries caused by another party?
• The set of legal rules used in the U.S. to resolve civil disputes in courts is called what?
• Which term means physical injury to tangible property, including all resulting loss of use of that property?
• Which term refers to goods or products, other than real property, manufactured, sold, handled, distributed, or disposed of by you?
• Which statement best describes tail coverage in relation to claims-made policies?
• Which items are considered Personal and Advertising Injury under Coverage B?
• Which endorsement is commonly added to extend coverage for products or completed operations?
• What constitutes an 'occurrence' under a standard CGL form?
• Which term is an intentional tort delivered in a spoken form; something stated that is untrue?
• How does the Pollution exclusion operate in a CGL policy, and what are typical exceptions?
• What is the difference between Premises liability and Operations liability?
• Compensatory Damages are divided into which two types?
• Which statement describes the occurrence form for CGL?
• In an insurance contract, a clause that prevents subrogation actions is best described as?
• Which term describes a person who is not your employee but provides labor under your direction without compensation?
• If a product is manufactured and distributed by you, it falls under which term?
• Which policy generally covers most auto liability exposures?
• Which document confirms to a third party that you carry liability insurance for a project, without creating coverage?
• What term describes an agreement where one party relinquishes subrogation rights against another?
• Which term refers to the officer who holds positions created by an organization's governing documents?
• What term describes the intentional use of someone else's intellectual property without permission?
• How does the Contractual Liability exclusion function?
• Which statement best describes the Products-Completed Operations Hazard?
• Which coverage addresses completed work performed by subcontractors?
• Which endorsement is appropriate to extend coverage to a newly acquired organization during a transition?
• Which line typically provides coverage for professional services?
• Name the three main coverages in a CGL policy.
• What does Care, Custody and Control refer to in CGL terminology?
• Which of the following is not typically an intentional tort?
• What is the effect of a Severability clause on coverage for multiple insureds?
• Which term denotes the party who benefits from protection against liability under an indemnity contract?
• Which of the following is typically NOT covered by CGL?
• What is the typical form type for CGL and why?
• Which limits apply per occurrence and in aggregate in a CGL policy, and how may defense costs affect them?
• How does timely Notice of Claim impact the insured's ability to defend the case?
• Which term describes a contract provision where one party agrees to assume liability for damages or injuries caused by another party?
• What is the aggregate limit in a CGL policy?
• What does Coverage B (Personal and Advertising Injury) cover?
• Which endorsement automatically extends coverage to a newly acquired organization for a defined period?
• Which statement best describes how coverages respond to a claim arising from a covered occurrence during the policy period?
• Which endorsement adds a third party as insured under the policy to extend protection to that party?
• Which term describes laws written by legislative bodies that modify common law?
• Which term describes a one-time accident or exposure to a harmful condition that may occur repeatedly over time or be continuous?
• Which endorsement is commonly added on project-based policies to ensure owners and general contractors are protected under the insured's policy?
• The concept of Waiver of Subrogation is most closely related to which idea?
• Which term describes a situation where an employee sues a third party who is indemnified by the employer?
• The Bailee is the party who receives property for safekeeping or a specific purpose.
• Which statement best describes CGL's relationship to Workers' Compensation in a business with employees?
• Which endorsement grants broad Additional Insured status to multiple parties?
• For construction risk, which CGL feature is most useful to cover the subcontractor's completed work?
• Which statement correctly identifies an item not included in Your Product?
• Consent to settle refers to which concept?
• A person who is hired to perform work on a regular, ongoing basis is called?
• Which term describes land vehicles that cannot be registered as an automobile or used on public roads?
• The officer positions created by an organization's charter, constitution, bylaws, or other governing document are known as?
• Which term is defined as injury, including bodily injury, arising out of one or more intentional torts?
• Which term describes tangible property of others that is impaired because it incorporates your defective work?
• What does Policy Territory specify and how does it affect coverage?
• Which endorsement states that the insurer's payment is primary and will not seek contribution from other insureds when other policies might apply?
• The most an insurance company will pay based on a particular coverage
• In an indemnity contract, who is the party that is protected by the indemnity?
• Which exposures should be identified when preparing to ensure adequate CGL coverage?
• Which term refers to the law that protects and compensates individuals injured by negligence, recklessness, or intentional acts?
• Which endorsement is used to ensure that the insured's coverage will be primary and noncontributory when coordinating with other insurers?
• If a third party sues the insured for misrepresentation in advertising, which CGL coverage would respond?
• Which provision of a CGL policy pays medical expenses for third-party injuries with no fault requirement?
• Do standard CGL forms typically have a deductible for Coverage A?
• What is the standard endorsement used to add an Additional Insured to a CGL policy?
• How do Hired Auto and Non-Owned Auto endorsements modify CGL liability?
• Which term defines the total amount an insurer will pay for multiple claims during the policy period?
• Which endorsement is typically used to protect a party from subrogation claims, often required by contract?
• Which statement best describes coverage for environmental liabilities?
• The entity named on the commercial insurance policy is the
• Which statement about Additional Insured status is correct?
• Which term refers to a land motor vehicle designed for travel on public roads and licensed?
• What is the primary purpose of Coverage A in a Commercial General Liability policy?
• What is the meaning of 'Limit of Insurance' in a CGL policy?
• What is included in Advertising Injury under CGL?
• What does the Pollution Exclusion generally exclude?
• What part of the policy discloses the insured's identity, policy period, and limits?
• Which statement best describes Bodily Injury in insurance terms?
• What term describes a notice broadcast to attract customers or supporters?
• What is the Products-Completed Operations Hazard, and when does it apply?
• Which information is typically found on the declarations page?
• A Waiver of Subrogation clause is intended to prevent which action?
• Under Separation of Insureds, how are claims treated?
• Under CGL, Completed Operations coverage typically responds to which scenario?
• What term means a wrongful act or infringement of a right leading to civil liability (outside of contract)?
• Which endorsement helps ensure protection for a contract partner by adding them as insured under the policy?
• When all the work called for in a contract has been completed, this is referred to as what?
• Which exposures are typically covered by a CGL policy?
• Which statement is NOT typically true about CGL coverages?
• What does the Impaired Property and Property Not Physically Injured exclusion cover or exclude?
• What are Supplementary Payments in a CGL policy, and name two examples?
• Bodily Injury includes which of the following?
• Why does the CGL exclude coverage for damage to the insured's own property?
• What term refers to the geographic area where an insurance policy provides coverage?
• Which liability trigger arises from one's own conduct?
• What is the insurer's duty to defend under a CGL policy?
• Which statement best describes the required duties after a loss for a CGL policy?
• Which endorsement would typically be used to automatically extend coverage to a newly acquired organization for a defined period?
• Which term describes a person who is not your employee and donates work and acts at your direction without compensation?