COMMERCIAL CASUALTY II – CISR EXAM
Questions and Guide Answers
100% Verified Graded A+
1. In BAP what does liability section provide protection from claims for?
Answer: Bodily Injury and Property Damage for which insured is legally responsible for.
2. In BAP physical damage section what type of protection?
Answer: provides coverage for damage to or loss of an insured's covered auto.
3. What other BAP coverages can be added by endorsement?
Answer: Medical payments personal injury protection
uninsured/underinsured
motorist bodily injury and/or property damage losses
4. List all BAP Coverage Exposures?
Answer: Liability physical damage
comprehensive
collision
,Owned auto
non-owned auto
hired or borrowed auto
specified cause of loss
towing for private passenger
5. What are BAP liability auto exposures that can arise out of insured mainte-
nance or use of several types autos?
Answer: Autos name insured owns
Autos Name insured does not own, but uses in business
Autos name insured hires or borrows
6. List some common claims that arises out of physical damage?
Answer: Collision windshield breakage
theft
fire
vandalism
7. Define "Accident" in BAP
Answer: Does not have to be sudden. A Continuous or repeated exposure to the same conditions that result
in BI or PD
8. Define "Auto" in BAP
,Answer: a land motor vehicle, trailer or semi trailer designed to travel on public roads subject to
financial responsibility law or other MV law where it is licensed or principally garaged
9. Recap CGL "insured contracts"
Answer: Lease of premises Sidetrack agreement
easement or license agreement
obligation as required by ordinance
assumed tort liability
*BAP elevator maintenance is not applicable!
10. BAP uses LEAS plus what other "insured contract?"
Answer: Rental Lease agreement - made by name insured or any of it's employees.
does not cover property damage to auto rented or leased by name insured or one of the employees
11. Recap descriptive phrases for GL mobile equipment?
Answer: "designed for use ott public roads"
"used primarily to service premises you own or rent"
"moves on crawler treads"
"self propelled or not
self propelled"
"provides mobility to permanently mounted specific equipment"
"not otherwise described ... maintained for purposes other than transport of persons or cargo"
, 12. What 6 types mobile equipment for BAP?
Answer: 1.
Bulldozers, farm machinery, forklifts and
other vehicles designed for use principally ott public roads.
2.
Vehicles maintained for use solely on or next to premises you own or rent. (The key words are
"maintained for use solely on premises you own or rent".)
3.
Vehicles that travel on crawler treads.
4.
Vehicles, whether self
-
propelled or not, maintained to provide mobility to permanently mounted specific
equipment. (This wording includes trailers.)
5.
Other vehicles that are not self
-
propelled and are maintained primarily to provide mobility to
Questions and Guide Answers
100% Verified Graded A+
1. In BAP what does liability section provide protection from claims for?
Answer: Bodily Injury and Property Damage for which insured is legally responsible for.
2. In BAP physical damage section what type of protection?
Answer: provides coverage for damage to or loss of an insured's covered auto.
3. What other BAP coverages can be added by endorsement?
Answer: Medical payments personal injury protection
uninsured/underinsured
motorist bodily injury and/or property damage losses
4. List all BAP Coverage Exposures?
Answer: Liability physical damage
comprehensive
collision
,Owned auto
non-owned auto
hired or borrowed auto
specified cause of loss
towing for private passenger
5. What are BAP liability auto exposures that can arise out of insured mainte-
nance or use of several types autos?
Answer: Autos name insured owns
Autos Name insured does not own, but uses in business
Autos name insured hires or borrows
6. List some common claims that arises out of physical damage?
Answer: Collision windshield breakage
theft
fire
vandalism
7. Define "Accident" in BAP
Answer: Does not have to be sudden. A Continuous or repeated exposure to the same conditions that result
in BI or PD
8. Define "Auto" in BAP
,Answer: a land motor vehicle, trailer or semi trailer designed to travel on public roads subject to
financial responsibility law or other MV law where it is licensed or principally garaged
9. Recap CGL "insured contracts"
Answer: Lease of premises Sidetrack agreement
easement or license agreement
obligation as required by ordinance
assumed tort liability
*BAP elevator maintenance is not applicable!
10. BAP uses LEAS plus what other "insured contract?"
Answer: Rental Lease agreement - made by name insured or any of it's employees.
does not cover property damage to auto rented or leased by name insured or one of the employees
11. Recap descriptive phrases for GL mobile equipment?
Answer: "designed for use ott public roads"
"used primarily to service premises you own or rent"
"moves on crawler treads"
"self propelled or not
self propelled"
"provides mobility to permanently mounted specific equipment"
"not otherwise described ... maintained for purposes other than transport of persons or cargo"
, 12. What 6 types mobile equipment for BAP?
Answer: 1.
Bulldozers, farm machinery, forklifts and
other vehicles designed for use principally ott public roads.
2.
Vehicles maintained for use solely on or next to premises you own or rent. (The key words are
"maintained for use solely on premises you own or rent".)
3.
Vehicles that travel on crawler treads.
4.
Vehicles, whether self
-
propelled or not, maintained to provide mobility to permanently mounted specific
equipment. (This wording includes trailers.)
5.
Other vehicles that are not self
-
propelled and are maintained primarily to provide mobility to
