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

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• Which activity is listed as a specified activity under the BAC form?
• Outer Continental Shelf Lands Act Coverage Endorsement WC 00 01 09 B provides WC and EL for work on the outer continental shelf. What does this typically involve?
• +Explain a dual capacity claim?
• Which statement describes an umbrella coverage territory option that is NOT described in typical policies?
• Which of the following is NOT a type of benefit provided by workers' compensation?
• Provide an example of a dual capacity claim?
• What is a 'hired' auto?
• Which best defines a monopolistic state in the context of workers' compensation?
• Symbol 3 includes Towing & Labor. Which symbol includes Towing & Labor?
• Which BAP supplementary payment covers post judgement interest?
• Which statement represents a BAC exclusion category related to endorsements that require an additional premium?
• Which symbols are used to provide automatic coverage for autos you acquire after the policy begins?
• Which option is not a stated exclusion category for BAC?
• Under BAC, can the insurance company adjust for depreciation?
• Repatriation expenses under Foreign Coverage Endorsement cover what?
• What happens if the insured fails to maintain scheduled underlying insurance under an umbrella policy?
• Which Symbol is used to customize coverage on fairly new vehicles?
• Which description is true for GL mobile equipment?
• Which item is listed as an excess liability exclusion?
• Bodily injury by disease caused by or aggravated by conditions of employment is covered as which type?
• Specified cause of loss coverage includes which of the following perils?
• Why are monopolistic states not listed in Item 3.C?
• Which disease is given as an example of an endemic disease?
• Under BAC, is the insurer required to pay for betterment?
• Symbol 8 provides coverage for which type of autos?
• Maritime Coverage Endorsement WC 00 02 01 A provides EL for employers with maritime exposures. It applies to bodily injury to which individuals?
• Symbols 2, 3 & 4 triggers apply to owned autos of same type acquired during the policy period. Which coverages apply?
• Under umbrella policy definitions, the term 'trailer' includes which type?
• What is an 'owned auto'?
• Under the BAP insuring agreement, when does the insurer have the right and the duty to defend, and what happens if there is no coverage?
• Which two BAP conditions apply in addition to common policy conditions?
• Under Out of State coverage, which extension provides higher limits to comply with the laws where the auto is used, excluding laws governing motor carriers of passengers or property?
• Under Out of State coverage, which extension covers additional benefits required by the jurisdiction such as no fault or PIP?
• The named insured has coverage for those states listed in which item?
• Foreign Coverage Endorsement applies to employees hired in the US who travel temporarily outside the US for up to how many days?
• Which option reflects a BAC exclusion category about coverage that could be better handled by another policy type?
• Loss of care and services claims refer to claims involving what?
• Under Symbol 7, which of the following is not listed as a reason for using trailers, mobile equipment, and temporary substitute autos?
• What do no fault benefits typically cover after a car accident?
• Which endorsement would be appropriate when the named insured is an individual and at least one covered auto is a private passenger auto?
• Which of the following is listed as an excess liability exclusion?
• Under umbrella policy definitions, the term 'trailer' includes which type?
• Which of the following correctly describes 'attachments' under supplementary #3?
• Which statement best describes a permissive driver under vicarious liability?
• Under the Loss BAP Condition Appraisal for Physical Damage Loss, when is the appraisal provision entered into?
• Which statement describes a BAC exclusion related to coverage inclusion with no separate premium?
• Which of the following is one of the payments you must make under part one?
• What is considered the most important item in the WC information page?
• In BAP, the physical damage section provides coverage for which of the following?
• What does Item 4 of the information page entail?
• What does a Bodily Injury Claim involve?
• What does Paragraph B of the workers' compensation insuring agreement state?
• If a vehicle is a non-owned auto used in business by the name insured, which symbol would typically provide liability coverage?
• Which option correctly identifies an exclusion category under BAC that involves not insuring something at all?
• Which of the following is a method by which an umbrella's aggregate can be applied?
• Which statement is true regarding BAC exclusions?
• What does the term 'Property Damage' mean in liability terms?
• Monopolistic States Fund provides employers liability insurance.
• Does BAP cover property damage to auto rented or leased by name insured or one of its employees?
• Which item is listed as a BAP exclusion?
• Which of the following is NOT a common BAP physical damage claim?
• True or False: The name insured must inform the insurance company at once if they begin work in any state listed in item 3.C.
• What are the two conditions that must be met for Symbol 7 to apply?
• What is the purpose of Designated Insured CA 20 48 endorsement?
• In a third-party claim example, what action does the manufacturer take regarding Polly's Plastics?
• Ultimate Net Loss refers to what?
• Which pair correctly matches the coverage purpose to the symbol?
• Which statement is true regarding BAP elevator maintenance as an insured contract?
• What term describes defense coverage that applies within the self-insured retention (SIR) in an umbrella policy?
• Which phrase describes GL mobile equipment?
• Which item is NOT included as an insured contract under the CGL insured contracts recap?
• Under CA 99 10, do all BAC Form exclusions apply; none are removed?
• For Symbols 2, 3, and 4, the same set of coverages applies to which autos?
• Which item is listed as a General Condition under BAP?
• Symbol 5 and Symbol 6 coverage: Symbol 6 corresponds to which coverage?
• Which type of expense is covered under Foreign Coverage Endorsement?
• What happens after the insurer pays the Limit of Insurance?
• Symbol 19 covers liability for autos that would qualify as mobile equipment. This is an example of which statement?
• What does the Employee as Lessor endorsement CA 99 47 do?
• Which statement would be accurate about BAC exclusions?
• In BAP, the term 'Auto' includes which of the following?
• What does Item 1 of the information page entail?
• What does Item 3.C Trigger refer to?
• Which endorsement is used to add a loss payee on a leased auto?
• Which of the following is NOT a type of umbrella form?
• Define who is an insured 'you' is in BAC?
• Which endorsement would apply to cover an offshore drilling platform worker's liability exposure on a vessel?
• What does 'Aggregates Follow Aggregates in the Underlying Policies' mean?
• If the named insured has Symbol 3 and acquires a panel truck, does automatic coverage apply?
• What is the purpose of Item 3.D?
• BAP uses LEAS plus what other 'insured contract' in its coverage structure?
• Which of the following is a type of employer liability claim?
• Under Other Insurance, how does the coverage apply to owned versus other autos?
• If the named insured is an individual, what is true about coverage for a spouse or other relative under BAC?
• If BAP includes liability coverage, which 3 types of vehicles automatically have liability coverage at no additional premium?
• Which BAP supplementary payment covers the cost of bonds for release of attachments made against the insured?
• BAC does not pay for loss caused by which factor due to diminution in value?
• If the underlying policy has an aggregate that applies to auto, what does the umbrella require under the 'Aggregates follow aggregates' rule?
• Under Symbol 7, if a named insured has 9 autos with Symbol 7 and acquires a 10th auto, what coverage does the 10th auto receive automatically?
• Which topics fall under Paragraph CDE?
• In the loss of services example, the child sues for loss of companionship and services provided by the parent. Which family member is specified in the example as the suer?
• What does the second paragraph of the BAP insuring agreement state?
• Which two conditions allow the BAP coverage territory to be anywhere in the world?
• Which statement describes a 'temporary substitute' under BAP?
• Which of the following is NOT an endorsement that can be added to BAP coverage?
• Define who is an insured 'Others Who Have vicarious Liability'?
• Which endorsement would you rely on to address coverage gaps when Workers' Compensation is purchased in a monopolistic state fund?
• Under Symbol 7 limited coverage for a replacement auto, if the replacement is for the first vehicle, what coverage does the new auto have and for how long?
• Which statement best describes how Symbol 2 interacts with automatic coverage for newly acquired autos?
• In the scenario where hail damages several autos at a single location, how is the BAC deductible applied?
• Which statement describes an exclusion category for BAC coverage related to exposure being better addressed by other types of policies?
• Which of the following is a typical underlying limit example for umbrella policy?
• Which item is listed as a BAP exclusion?
• Which statement identifies an exposure that BAC excludes because it is not insurable under any policy or endorsement?
• Under CA 99 10, is there a premium charge for each named individual?
• Who is included in the 'You' category of insureds under the auto form?
• What happens if Symbol 7 coverage is late reported for a newly acquired auto?
• Self insured retention applies only if which condition is satisfied?
• Which statement accurately describes BAP’s Rental Lease endorsement?
• What is a 'non owned' auto?
• Towing and Glass Breakage coverage can be purchased for which type of vehicle?
• What does the first paragraph of the BAP insuring agreement state?
• Which BAP supplementary payment provides up to $250 per day for lost earnings due to missed work?
• Which of the following is a specified peril to specific equipment under the BAC form?
• Which BAP supplementary payment specifies bail bonds up to $2,000?
• If the name insured has work on the policy effective date in any state NOT identified in 3.A, what coverage condition applies?
• If an exposure requires an endorsement for an additional premium, this would fall under which BAC exclusion category?
• Which endorsement is described as a 'stop gap' for Employers Liability when attached to a CGL policy?
• What does Item 3.B. of the WC information page illustrate?
• Which option would describe an exposure that BAC excludes because it would be better addressed under another policy type?
• Ultimate Net Loss includes which of the following?
• What are the three types of insureds afforded coverage in the auto form?
• What does the option 'Coverage territory is worldwide' permit in umbrella terms?
• Under Symbol 2, if the named insured acquires an additional auto that already has liability, collision, and comprehensive coverage for the remainder of the policy period, what must the insured do?
• Which statement best defines a permissive user?
• Under BAP, coverage for autos hired or borrowed is considered which type of exposure?
• Which symbol is used for schedule coverage?
• +Which scenario is included in the 'payments you must make' due to willful conduct?
• In no fault 'PIP' coverage, which statement is true?
• The Lessor -Additional Insured and Loss Payee endorsement CA 20 01 is used to treat an auto leased by the named insured as what?
• Loss Of Use Expenses requires showing which symbol (for hired autos) to collect?
• Under the three other states insurance, what is the consequence if the insurer is not notified within 30 days after starting work in a not-listed state?
• Which option describes the 'separate aggregates apply to selected coverages' type of umbrella aggregate?
• Care and Loss of Services (Loss of Consortium) claims involve damages suffered by which party?
• For symbols 2-4, what coverages do they share across the board?
• Which statement regarding no-fault benefits is correct?
• In BAP, an 'Accident' is defined as which of the following?
• Collision Coverage is for collision with which of the following?
• Symbol 4 is associated with which type of vehicle?
• What does 'Property Damage' mean in liability terms?
• In umbrella policy terminology, an occurrence is defined as which of the following?
• The Employers Liability Coverage Endorsement WC 00 03 03 C provides EL insurance for what scenario?
• Symbol 9 is best described as liability for non-owned autos. Which scenario fits?
• Bodily injury by accident must occur during what period?
• In a BAP policy, the liability section provides protection from claims for which of the following?
• Which option correctly describes an exposure that is excluded by BAC as being better addressed by other policy types?
• Self insured retention is best described as the dollar amount listed on the declarations page that will be paid by the insured before this insurance becomes applicable.
• Which states do not require employers to carry workers' compensation insurance?
• Which statement correctly describes Mexico's inclusion in the BAP coverage territory?
• Which is a typical underlying General Liability aggregate limit?
• Batch clauses indicate that continuous or repeated exposures to the same general harmful conditions indicate that each exposure is which of the following?
• Which of the following is a primary reason for needing higher liability policy limits?
• Which of the following is a loss condition under BAP?
• Which statement correctly describes Endemic Disease under Foreign Coverage Endorsement?
• Symbol 7 triggers coverage for autos that are what?
• In a loss of services claim example, the child sues for loss of companionship and the loss of services provided by the parent, which resulted from the employee's injury. Who sues?
• Paragraph CDE of the workers compensation insuring agreement explains?
• Glass breakage due to hitting a bird or animal, or due to a missile or falling object is covered under which coverage if purchased?
• Which of the following is a type of BAC Form Physical Damage Coverage offered?
• Which BAP supplementary payment covers court costs taxed against the insured?
• The insurer will pay the smaller of which amounts?
• Affirmative duty to defend by the umbrella liability policy applies in which situations?
• Which of the following is an exclusion category for BAC?
• Which statement best describes Permissive Users of Covered Autos?
• Drive Other Car Coverage CA 99 10 is typically used to provide non-owned coverage for which scenario?
• Which option is a method to provide Employers Liability coverage for monopolistic states?
• Which of the following is a monopolistic state?
• Indemnity payments inside the underlying policy limits do what with respect to the retained limit?
• Which statement is true regarding endorsements added to BAP?
• If New Jersey rejects workers' compensation, what must the employer purchase?
• What is the maximum amount payable for loss to all covered electronic equipment that reproduces, receives or transmits audio, visual or data signals and is permanently installed in housing not normally used by the auto manufacturer?
• In a dual capacity scenario, the employer can be the manufacturer of what?
• This endorsement CA 99 17 is added to a Business Auto Policy when the named insured is an individual and at least one covered auto is a private passenger type auto.
• Which of the following is NOT one of the six types of mobile equipment for BAP?
• Which item lists Other States Insurance?
• Which scenario best fits a 'hired' auto?
• Which option describes an exposure that BAC excludes because it is not insurable under any policy or endorsement?
• Under Symbol 7, if all owned autos already have Symbol 7 and a new auto is added, what is the likely coverage status of the new auto?
• Symbol 1 coverage triggers are best described as?
• Which item lists endorsements and schedules?
• Which of the following is NOT a BAP exposure item?
• Longshore and Harbor Workers' Coverage Endorsement WC 00 01 06 A covers which workers?