CIC COMMERCIAL MULTILINE TESTS EXAM
2026 ACTUAL PAPER WITH VERIFIED
SOLUTIONS
◉ Identify and apply the defense and settlement provision under the
ISO commercial cyber insurance policy (LO8). Answer: Only applies
to insuring agreement 6 Security Breach Liability
Insurer has the right and duty to defend
No coverage no defense
Defense expenses are payable within and not in addition to the
limits
◉ Identify and apply the exclusions under the ISO commercial cyber
insurance policy.. Answer: Exclusions are numerous and vary by
insurer
Lighting earthquake, hail, volcanic action or other acts of nature,
War warlike action or insurrection
Patogenic biological or chemical materials nuclear radiation
Bodily injury or physical damage to or destruction of tangible
property including loss of use
Unexplained or indeterminable failure malfunction or slowdown of
the computer system or inability to access electronic data
,Any disruption due to insufficient capacity to process transaction or
due to an overload of activity on computer system or network other
than a cyber incident.
Any disruption of internet service or external telecommunication
network
Failure of reduction in or surge power
Violation of RICO and its amendments of similar law
Malfunction or failure of any atelier
Oral of written material published with knowledge of falsity
Contractual liability*****
Patent or trade secret violations
Pollutions or pollution related h
Prior or pending claims
Employment practices related liability
Awareness that any insured had prior to the effective date of the
policy
◉ conditions found in cyber policies by the insured and insurer
before, during, and after a claim or loss. Answer: - subrogation
- representations (must be correct)
- changes in exposure (acquisitions or creation of organization,
acquisition of named insured, cessation of subsidiaries)
- other insurance (may be excess coverage)
,- separation of insureds (2 named insureds for ex)
- duties in the event of claim or loss
- valuation (USD)
- confidentiality (cannot say you have extortion coverage)
- territory (worldwide, limited worldwide, universe)
◉ Identify and describe the sources of liability that can result in an
employee not-related practices claim. (LO1). Answer: A. Workplace
Torts
- Workplace torts may be based on negligence(reasonable person:
foreseeability) or intentional torts
- Preserves full right of action if a federal case falters
- Too many think it is only a federal issue and "right-to-work"
protect them in certain states
B. Breach of Contract
- Written contacts (including employment contract and collective
bargaining agreements)
- Implied contracts (job offer letter, employee manual, oral
promises, evaluations, tenure)
C. Violation of Statutes Regarding Employment Practices
- some small businesses are exempt
, ◉ Examples of workplace torts (LO1). Answer: - Bullying,
humiliation or other types of infliction of emotional distress
- Invasion of privacy
- Coercion
- Libel, slander, defamation of character
- Negligent hiring practices
- Negligent supervision
- Retaliation
- Wrongful or negligent evaluations, criticism, demotions, discipline
- Wrongful detention or imprisonment
- Wrongful termination
◉ Determine whether a person or organization qualifies as an
insured person in the event of a claim situation and whether an
exclusion or limitation applies (LO2). Answer: Named Insured
Organization indicated on the declarations
Insured Persons
Directors, officers trustees of the organization
Employees
Volunteer or an intern
Independent contractors
2026 ACTUAL PAPER WITH VERIFIED
SOLUTIONS
◉ Identify and apply the defense and settlement provision under the
ISO commercial cyber insurance policy (LO8). Answer: Only applies
to insuring agreement 6 Security Breach Liability
Insurer has the right and duty to defend
No coverage no defense
Defense expenses are payable within and not in addition to the
limits
◉ Identify and apply the exclusions under the ISO commercial cyber
insurance policy.. Answer: Exclusions are numerous and vary by
insurer
Lighting earthquake, hail, volcanic action or other acts of nature,
War warlike action or insurrection
Patogenic biological or chemical materials nuclear radiation
Bodily injury or physical damage to or destruction of tangible
property including loss of use
Unexplained or indeterminable failure malfunction or slowdown of
the computer system or inability to access electronic data
,Any disruption due to insufficient capacity to process transaction or
due to an overload of activity on computer system or network other
than a cyber incident.
Any disruption of internet service or external telecommunication
network
Failure of reduction in or surge power
Violation of RICO and its amendments of similar law
Malfunction or failure of any atelier
Oral of written material published with knowledge of falsity
Contractual liability*****
Patent or trade secret violations
Pollutions or pollution related h
Prior or pending claims
Employment practices related liability
Awareness that any insured had prior to the effective date of the
policy
◉ conditions found in cyber policies by the insured and insurer
before, during, and after a claim or loss. Answer: - subrogation
- representations (must be correct)
- changes in exposure (acquisitions or creation of organization,
acquisition of named insured, cessation of subsidiaries)
- other insurance (may be excess coverage)
,- separation of insureds (2 named insureds for ex)
- duties in the event of claim or loss
- valuation (USD)
- confidentiality (cannot say you have extortion coverage)
- territory (worldwide, limited worldwide, universe)
◉ Identify and describe the sources of liability that can result in an
employee not-related practices claim. (LO1). Answer: A. Workplace
Torts
- Workplace torts may be based on negligence(reasonable person:
foreseeability) or intentional torts
- Preserves full right of action if a federal case falters
- Too many think it is only a federal issue and "right-to-work"
protect them in certain states
B. Breach of Contract
- Written contacts (including employment contract and collective
bargaining agreements)
- Implied contracts (job offer letter, employee manual, oral
promises, evaluations, tenure)
C. Violation of Statutes Regarding Employment Practices
- some small businesses are exempt
, ◉ Examples of workplace torts (LO1). Answer: - Bullying,
humiliation or other types of infliction of emotional distress
- Invasion of privacy
- Coercion
- Libel, slander, defamation of character
- Negligent hiring practices
- Negligent supervision
- Retaliation
- Wrongful or negligent evaluations, criticism, demotions, discipline
- Wrongful detention or imprisonment
- Wrongful termination
◉ Determine whether a person or organization qualifies as an
insured person in the event of a claim situation and whether an
exclusion or limitation applies (LO2). Answer: Named Insured
Organization indicated on the declarations
Insured Persons
Directors, officers trustees of the organization
Employees
Volunteer or an intern
Independent contractors
