General liability - Total CSR Exam Questions And
Correct Answers (Verified Answers) 2026
Commercial General Liability (CGL) Insurance - CORRECT ANSWER -An insurance policy
(almost always occurrence based) issued to an insured to protect them against third-party liability
claims for bodily injury (BI) and property damage (PD) arising from ongoing and completed
operations. The policy also protects the insured from advertising and personal injury (PI) third-
party liability claims.
OCCURRENCE - CORRECT ANSWER -An accident, including continuous or repeated
exposure to substantially the same general harmful conditions.
OCCURRENCE-BASED POLICY - CORRECT ANSWER -A policy covering claims that arise
out of damage or injury that occur during the policy period, regardless of when claims are made.
Most commercial general liability (CGL) insurance is written on an occurrence form (a.k.a. on a
per-occurrence 'basis').
CLAIMS-MADE POLICY - CORRECT ANSWER -A policy providing coverage that is
triggered when a claim is made against the insured during the policy period, regardless of when
the wrongful act that gave rise to the claim took place.
THIRD-PARTY LIABILITY CLAIMS - CORRECT ANSWER -Liability claims brought by
persons allegedly injured or harmed by the insured. The insured is the first party, the insurance
carrier is the second party, and the claimant is the third party.
TORT - CORRECT ANSWER -A wrongful act which causes harm to someone else.
INTENTIONAL TORT - CORRECT ANSWER -When a person intends to perform a wrongful
act which causes harm to someone else.
,CGL Coverage Overview - CORRECT ANSWER -The CGL insurance policy offers coverage
for most of a business' liability exposures.
There are four coverage parts within a CGL policy: - CORRECT ANSWER -1- Coverage A -
Bodily Injury and Property Damage Liability
2- Coverage B - Personal and Advertising Injury Liability
3- Coverage C - Medical Payments
4- Supplementary Payments (Defense Coverage)
Coverage A - CORRECT ANSWER -Provides an insured with coverage for an occurrence which
results in a third-party's bodily injury and/or property damage.
Coverage A is only triggered if... - CORRECT ANSWER -The bodily injury or property damage
occurs during the policy period
The bodily injury or property damage is caused by an occurrence
The occurrence takes place in the coverage territory
The insured is legally liable for the loss
The insured was not aware of the bodily injury or property damage, in whole or in part, prior to
the policy period
Coverage B - CORRECT ANSWER -Provides an insured with coverage for an occurrence which
results in a third-party lawsuit for libel, slander, wrongful eviction or other similar intentional
torts.
Coverage B is only triggered if... - CORRECT ANSWER -The event occurs within the policy
period
, The occurrence takes place in the coverage territory
The insured is legally liable
Coverage C - CORRECT ANSWER -Provides an insured with coverage for an occurrence that
results in a third-party becoming injured due to the insured's business activities. The coverage
will pay for the injured third-party's medical expenses in hopes that the third-party will not file a
lawsuit against the insured. Coverage C is considered a 'no-fault coverage' which differs from
Coverage A and Coverage B since the insured is not required to be legally liable.
Coverage C is only triggered if... - CORRECT ANSWER -The event occurs within the policy
period
The occurrence takes place within the coverage territory
Supplementary Payments (Defense Coverage) - CORRECT ANSWER -Provides an insured with
coverage for costs incurred to investigate claims, defend against any lawsuits insured under
Coverage A or Coverage B and other expenses the insured may incur
Who is an insured? - CORRECT ANSWER -The commercial general liability (CGL) policy
provides coverage to both the named insured and to certain automatic insureds.
NAMED INSURED - CORRECT ANSWER -Any person, firm, or organization, or any of its
members specifically designated by name as an insured(s) in an insurance policy.
AUTOMATIC INSURED - CORRECT ANSWER -Individuals and/or companies that are
covered automatically because they have a business relationship with the named insured.
Sole Proprietorship - CORRECT ANSWER -Then the following individuals and groups are
automatically provided with 'insured status' (coverage):
Correct Answers (Verified Answers) 2026
Commercial General Liability (CGL) Insurance - CORRECT ANSWER -An insurance policy
(almost always occurrence based) issued to an insured to protect them against third-party liability
claims for bodily injury (BI) and property damage (PD) arising from ongoing and completed
operations. The policy also protects the insured from advertising and personal injury (PI) third-
party liability claims.
OCCURRENCE - CORRECT ANSWER -An accident, including continuous or repeated
exposure to substantially the same general harmful conditions.
OCCURRENCE-BASED POLICY - CORRECT ANSWER -A policy covering claims that arise
out of damage or injury that occur during the policy period, regardless of when claims are made.
Most commercial general liability (CGL) insurance is written on an occurrence form (a.k.a. on a
per-occurrence 'basis').
CLAIMS-MADE POLICY - CORRECT ANSWER -A policy providing coverage that is
triggered when a claim is made against the insured during the policy period, regardless of when
the wrongful act that gave rise to the claim took place.
THIRD-PARTY LIABILITY CLAIMS - CORRECT ANSWER -Liability claims brought by
persons allegedly injured or harmed by the insured. The insured is the first party, the insurance
carrier is the second party, and the claimant is the third party.
TORT - CORRECT ANSWER -A wrongful act which causes harm to someone else.
INTENTIONAL TORT - CORRECT ANSWER -When a person intends to perform a wrongful
act which causes harm to someone else.
,CGL Coverage Overview - CORRECT ANSWER -The CGL insurance policy offers coverage
for most of a business' liability exposures.
There are four coverage parts within a CGL policy: - CORRECT ANSWER -1- Coverage A -
Bodily Injury and Property Damage Liability
2- Coverage B - Personal and Advertising Injury Liability
3- Coverage C - Medical Payments
4- Supplementary Payments (Defense Coverage)
Coverage A - CORRECT ANSWER -Provides an insured with coverage for an occurrence which
results in a third-party's bodily injury and/or property damage.
Coverage A is only triggered if... - CORRECT ANSWER -The bodily injury or property damage
occurs during the policy period
The bodily injury or property damage is caused by an occurrence
The occurrence takes place in the coverage territory
The insured is legally liable for the loss
The insured was not aware of the bodily injury or property damage, in whole or in part, prior to
the policy period
Coverage B - CORRECT ANSWER -Provides an insured with coverage for an occurrence which
results in a third-party lawsuit for libel, slander, wrongful eviction or other similar intentional
torts.
Coverage B is only triggered if... - CORRECT ANSWER -The event occurs within the policy
period
, The occurrence takes place in the coverage territory
The insured is legally liable
Coverage C - CORRECT ANSWER -Provides an insured with coverage for an occurrence that
results in a third-party becoming injured due to the insured's business activities. The coverage
will pay for the injured third-party's medical expenses in hopes that the third-party will not file a
lawsuit against the insured. Coverage C is considered a 'no-fault coverage' which differs from
Coverage A and Coverage B since the insured is not required to be legally liable.
Coverage C is only triggered if... - CORRECT ANSWER -The event occurs within the policy
period
The occurrence takes place within the coverage territory
Supplementary Payments (Defense Coverage) - CORRECT ANSWER -Provides an insured with
coverage for costs incurred to investigate claims, defend against any lawsuits insured under
Coverage A or Coverage B and other expenses the insured may incur
Who is an insured? - CORRECT ANSWER -The commercial general liability (CGL) policy
provides coverage to both the named insured and to certain automatic insureds.
NAMED INSURED - CORRECT ANSWER -Any person, firm, or organization, or any of its
members specifically designated by name as an insured(s) in an insurance policy.
AUTOMATIC INSURED - CORRECT ANSWER -Individuals and/or companies that are
covered automatically because they have a business relationship with the named insured.
Sole Proprietorship - CORRECT ANSWER -Then the following individuals and groups are
automatically provided with 'insured status' (coverage):
