1. Which of the following best describes the “liability arising from
work performed by subcontractors” exclusion in a CGL policy?
A. It excludes any claims arising from subcontracted work
regardless of circumstances.
B. It excludes claims arising from work performed by
subcontractors who are not insured under the policy.
C. It includes coverage for work performed by subcontractors, but
not their employees.
D. It includes coverage for subcontractors' defective work as long
as the insured is not negligent.
Answer and Rationale: B. The exclusion typically removes
coverage for claims arising from work performed by
subcontractors who are not covered under the policy.
2. Which of the following is an example of a "medical expenses"
claim that would be covered under a CGL policy?
A. Medical expenses for the insured’s employees injured at work
B. Medical expenses for a customer injured while shopping at the
insured's store
C. Medical expenses for a third-party contractor who slips and
falls at the insured's premises
,D. Medical expenses for a person injured while engaging in a
business-related activity
Answer and Rationale: C. Medical payments coverage under the
CGL policy would cover medical expenses for third-party injuries,
such as a contractor slipping and falling on the premises.
3. What does the personal and advertising injury coverage under a
CGL policy typically include?
A. Physical injuries caused by advertising
B. Copyright infringement in the insured’s advertisements
C. Damage to property resulting from advertising
D. Bodily injury resulting from an insured’s operations
Answer and Rationale: B. Personal and advertising injury includes
coverage for offenses like copyright infringement arising from
advertising.
4. Which coverage is provided under Coverage C of a CGL policy?
A. Medical Payments
B. Property Damage Liability
C. Bodily Injury Liability
D. Contractual Liability
Answer and Rationale: A. Coverage C provides Medical Payments
coverage for injuries to third parties regardless of fault.
, 5. Which exclusion in a CGL policy applies to liability arising
from professional services?
A. Products-completed operations exclusion
B. Pollution exclusion
C. Professional services exclusion
D. Contractual liability exclusion
Answer and Rationale: C. The professional services exclusion
removes liability coverage for claims arising from the rendering or
failure to render professional services.
6. Which of the following endorsements extends coverage for
completed operations into future policy periods?
A. Extended Reporting Period Endorsement
B. Waiver of Subrogation Endorsement
C. Additional Insured Endorsement
D. Retroactive Date Endorsement
Answer and Rationale: A. The Extended Reporting Period
Endorsement allows for the reporting of claims after the policy
period ends.
7. What is the standard deductible for liability claims under a
CGL policy?
work performed by subcontractors” exclusion in a CGL policy?
A. It excludes any claims arising from subcontracted work
regardless of circumstances.
B. It excludes claims arising from work performed by
subcontractors who are not insured under the policy.
C. It includes coverage for work performed by subcontractors, but
not their employees.
D. It includes coverage for subcontractors' defective work as long
as the insured is not negligent.
Answer and Rationale: B. The exclusion typically removes
coverage for claims arising from work performed by
subcontractors who are not covered under the policy.
2. Which of the following is an example of a "medical expenses"
claim that would be covered under a CGL policy?
A. Medical expenses for the insured’s employees injured at work
B. Medical expenses for a customer injured while shopping at the
insured's store
C. Medical expenses for a third-party contractor who slips and
falls at the insured's premises
,D. Medical expenses for a person injured while engaging in a
business-related activity
Answer and Rationale: C. Medical payments coverage under the
CGL policy would cover medical expenses for third-party injuries,
such as a contractor slipping and falling on the premises.
3. What does the personal and advertising injury coverage under a
CGL policy typically include?
A. Physical injuries caused by advertising
B. Copyright infringement in the insured’s advertisements
C. Damage to property resulting from advertising
D. Bodily injury resulting from an insured’s operations
Answer and Rationale: B. Personal and advertising injury includes
coverage for offenses like copyright infringement arising from
advertising.
4. Which coverage is provided under Coverage C of a CGL policy?
A. Medical Payments
B. Property Damage Liability
C. Bodily Injury Liability
D. Contractual Liability
Answer and Rationale: A. Coverage C provides Medical Payments
coverage for injuries to third parties regardless of fault.
, 5. Which exclusion in a CGL policy applies to liability arising
from professional services?
A. Products-completed operations exclusion
B. Pollution exclusion
C. Professional services exclusion
D. Contractual liability exclusion
Answer and Rationale: C. The professional services exclusion
removes liability coverage for claims arising from the rendering or
failure to render professional services.
6. Which of the following endorsements extends coverage for
completed operations into future policy periods?
A. Extended Reporting Period Endorsement
B. Waiver of Subrogation Endorsement
C. Additional Insured Endorsement
D. Retroactive Date Endorsement
Answer and Rationale: A. The Extended Reporting Period
Endorsement allows for the reporting of claims after the policy
period ends.
7. What is the standard deductible for liability claims under a
CGL policy?
