COMMERCIAL CASUALTY II - CISR 2024 COMPREHENSIVE
QUESTIONS AND ANSWERS GRADED A+
In BAP what does liability section provide protection from claims for? - (correct
answer) Bodily Injury and Property Damage for which insured is legally responsible
for.
In BAP physical damage section what type of protection? - (correct answer)
provides coverage for damage to or loss of an insured's covered auto.
What other BAP coverages can be added by endorsement? - (correct answer)
Medical payments
personal injury protection
uninsured/underinsured
motorist bodily injury and/or property damage losses
List all BAP Coverage Exposures? - (correct answer) Liability
physical damage
comprehensive
collision
Owned auto
non-owned auto
hired or borrowed auto
specified cause of loss
towing for private passenger
What are BAP liability auto exposures that can arise out of insured maintenance or use
of several types autos? - (correct answer) Autos name insured owns
Autos Name insured does not own, but uses in business
Autos name insured hires or borrows
List some common claims that arises out of physical damage? - (correct answer)
Collision
windshield breakage
theft
fire
vandalism
Define "Accident" in BAP - (correct answer) Does not have to be sudden. A
Continuous or repeated exposure to the same conditions that result in BI or PD
Define "Auto" in BAP - (correct 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
,Recap CGL "insured contracts" - (correct answer) Lease of premises
Sidetrack agreement
easement or license agreement
obligation as required by ordinance
assumed tort liability
*BAP elevator maintenance is not applicable!
BAP uses LEAS plus what other "insured contract?" - (correct 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
Recap descriptive phrases for GL mobile equipment? - (correct answer) "designed
for use off 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"
What 6 types mobile equipment for BAP? - (correct answer) 1.
Bulldozers, farm machinery, forklifts and
other vehicles designed for use principally off 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
specific pe
rmanently attached equipment.
6.
Vehicles not otherwise described maintained primarily for purposes other than the
transportation
, of persons or cargo.
Describe what coverage triggers for Symbol 1 - (correct answer) liability for any auto
-provides the broadest coverage possible
-can be used when no owned autos, and umbrella -calls for underlying auto coverage
Describe what coverage triggers for Symbols 2, 3 & 4? - (correct answer) Liability,
Physical Damage, Medical Payments, Personal Injury Protection, Uninsured Motorists -
for owned autos (of same type) acquired during the policy period.
2 - owned auto
3 - owned private passenger, *Symbol three includes Towing & Labor
4 - owned auto other than private passsenger
Describe what coverage triggers for Symbols 5 & 6? - (correct answer) Personal
Injury Protection for autos required to have No-fault benefits in the state where they are
licensed or principally garaged. - for owned autos
5- owned auto subject to no fault law
6- owned auto subject to UM, includes newly acquired autos
Describe what coverage triggers for Symbol 7? - (correct answer) Autos Only
Liability, Physical Damage, medical Payments, Personal Injury Protection, Uninsured
Motorists - for specifically described autos only
*triggers coverage for autos scheduled in decs
*liability for trailers the name insured does not own while attached to schedule auto
Describe what coverage triggers for Symbol 8? - (correct answer) Liability, Physical
Damage - for hired autos
*Excludes autos those from employees, partners of LLP, members of LLC or members
of their household
Describe what coverage triggers for Symbol 9? - (correct answer) liability for non-
owned autos
*for autos the name insured DOES NOT own, lease, hire, rent or borrow and used in
business
*owned by insured employees, partners, members, and member of household used in
business or personal affairs
Describe what coverage triggers for Symbol 19? - (correct answer) liability coverage
for autos that would qualify as mobile equipment
QUESTIONS AND ANSWERS GRADED A+
In BAP what does liability section provide protection from claims for? - (correct
answer) Bodily Injury and Property Damage for which insured is legally responsible
for.
In BAP physical damage section what type of protection? - (correct answer)
provides coverage for damage to or loss of an insured's covered auto.
What other BAP coverages can be added by endorsement? - (correct answer)
Medical payments
personal injury protection
uninsured/underinsured
motorist bodily injury and/or property damage losses
List all BAP Coverage Exposures? - (correct answer) Liability
physical damage
comprehensive
collision
Owned auto
non-owned auto
hired or borrowed auto
specified cause of loss
towing for private passenger
What are BAP liability auto exposures that can arise out of insured maintenance or use
of several types autos? - (correct answer) Autos name insured owns
Autos Name insured does not own, but uses in business
Autos name insured hires or borrows
List some common claims that arises out of physical damage? - (correct answer)
Collision
windshield breakage
theft
fire
vandalism
Define "Accident" in BAP - (correct answer) Does not have to be sudden. A
Continuous or repeated exposure to the same conditions that result in BI or PD
Define "Auto" in BAP - (correct 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
,Recap CGL "insured contracts" - (correct answer) Lease of premises
Sidetrack agreement
easement or license agreement
obligation as required by ordinance
assumed tort liability
*BAP elevator maintenance is not applicable!
BAP uses LEAS plus what other "insured contract?" - (correct 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
Recap descriptive phrases for GL mobile equipment? - (correct answer) "designed
for use off 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"
What 6 types mobile equipment for BAP? - (correct answer) 1.
Bulldozers, farm machinery, forklifts and
other vehicles designed for use principally off 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
specific pe
rmanently attached equipment.
6.
Vehicles not otherwise described maintained primarily for purposes other than the
transportation
, of persons or cargo.
Describe what coverage triggers for Symbol 1 - (correct answer) liability for any auto
-provides the broadest coverage possible
-can be used when no owned autos, and umbrella -calls for underlying auto coverage
Describe what coverage triggers for Symbols 2, 3 & 4? - (correct answer) Liability,
Physical Damage, Medical Payments, Personal Injury Protection, Uninsured Motorists -
for owned autos (of same type) acquired during the policy period.
2 - owned auto
3 - owned private passenger, *Symbol three includes Towing & Labor
4 - owned auto other than private passsenger
Describe what coverage triggers for Symbols 5 & 6? - (correct answer) Personal
Injury Protection for autos required to have No-fault benefits in the state where they are
licensed or principally garaged. - for owned autos
5- owned auto subject to no fault law
6- owned auto subject to UM, includes newly acquired autos
Describe what coverage triggers for Symbol 7? - (correct answer) Autos Only
Liability, Physical Damage, medical Payments, Personal Injury Protection, Uninsured
Motorists - for specifically described autos only
*triggers coverage for autos scheduled in decs
*liability for trailers the name insured does not own while attached to schedule auto
Describe what coverage triggers for Symbol 8? - (correct answer) Liability, Physical
Damage - for hired autos
*Excludes autos those from employees, partners of LLP, members of LLC or members
of their household
Describe what coverage triggers for Symbol 9? - (correct answer) liability for non-
owned autos
*for autos the name insured DOES NOT own, lease, hire, rent or borrow and used in
business
*owned by insured employees, partners, members, and member of household used in
business or personal affairs
Describe what coverage triggers for Symbol 19? - (correct answer) liability coverage
for autos that would qualify as mobile equipment
