CIC COMMERCIAL PROPERTY TEST PAPER QUESTIONS AND
SOLUTIONS 2025/2026 RATED A+
✔✔Property Off-Premises - ✔✔This Coverage Extension allows the Named Insured to
apply coverage to the Named Insured's Covered Property while it is away from the
described premises if it is:
• temporarily at a location that is not owned, leased, or operated by the Named Insured,
• in storage at a leased location, only if the lease was executed after the start of the
current policy term, or
• at any fair, trade show, or exhibition
This Coverage Extension does not apply to property that is:
• in or on a vehicle, or
• in the care, custody, or control of salespersons unless at a fair, trade show, or
exhibition. The most that will be paid under this Coverage Extension is $10,000.
There is an endorsement available that can modify the Property Off-Premises Coverage
Extension: Specified Business Personal Property Temporarily Away From Premises
✔✔Specified Business Personal Property Temporarily Away From Premises
Endorsement - ✔✔This endorsement extends Your Business Personal Property
coverage to apply to business personal property indicated in the Schedule.
To qualify for coverage, property must be:
• temporarily away from the described premises in the course of the Named Insured's
daily business activities, and
• In the care, custody, or control of the Named Insured or an authorized employee
(including temporary employees and leased workers).
This endorsement does not apply to any of the following:
• "Stock," samples of "stock," or any of the Named Insured's products unless such
property is at a fair, trade show, or exhibition
• Property in the care, custody, or control of the Named Insured's salespersons unless
the property is at a fair, trade show, or exhibition
• Property in the care, custody, or control of a common or contract carrier or bailee for
hire
• Theft from a land motor vehicle unless there is forced entry into a securely locked
body or compartment of the vehicle
• Property while it is airborne or waterborne
• Property while outside of the Coverage Territory.
It is important to note that the Limit of Insurance shown in the Schedule is the most that
will be paid in any one occurrence. This endorsement cannot be stacked with other
coverages.
,✔✔Outdoor Property - ✔✔This Coverage Extension extends some coverage to limited
outdoor property, for a limited set of covered perils. F.L.A.R.E (Fire, Lightning, Aircraft,
Riot, Explosion). Coverage includes the expense of debris removal.
This Coverage Extension will not pay more than $1,000 total, and not more than $250
for any one tree, shrub, or plant.
Can endorse using:
- Additional Covered Property Endorsement
- Radio Or Television Antennas
- Outdoor Trees, Shrubs And Plants
✔✔Radio Or Television Antennas Endorsement - ✔✔This endorsement is used to
insure radio or television antennas for additional limits and/or additional causes of loss.
Under this endorsement, the definition of Covered Property includes satellite dishes,
lead-in wiring, and masts or towers.
The perils covered by this endorsement are subject to the Causes Of Loss form
selected, and there are exclusions for dampness or dryness of atmosphere, changes in
or extremes of temperature, or rain, snow, ice, or sleet
✔✔Outdoor Trees, Shrubs And Plants Endorsement - ✔✔This endorsement is used to
insure outside trees, shrubs, and plants for increased limits and/or additional causes of
loss. The limit of insurance applies to each tree, shrub, or plant, with a separate limit for
"all items."
The perils covered by this endorsement are subject to the Causes Of Loss form
selected, plus exclusions for dampness or dryness of atmosphere, changes in or
extremes of temperature, or rain, snow, ice, or sleet. Loss caused by vehicles can also
be excluded from coverage.
✔✔Non-owned Detached Trailers - ✔✔This Coverage Extension states that the Named
Insured may apply Your Business Personal Property coverage to loss or damage to
non-owned trailers if:
• the trailer is used in the Named Insured's business,
• the trailer is in the care, custody, or control of the Named Insured at the described
premises, and
• the Named Insured has a contractual responsibility to pay for loss or damage to the
trailer. This Coverage Extension will not pay for loss or damage that occurs:
• while the trailer is attached to any motorized vehicle or conveyance, or
• during hitching or unhitching operations or if the trailer becomes accidentally
unhitched.
The most that will be paid for this Coverage Extension is $5,000 unless a higher limit is
shown in the Declarations. It is excess coverage over the amount due from any other
insurance covering the property.
, The Higher Limits Endorsement can be used to increase.
✔✔Business Personal Property Temporarily In Portable Storage Units - ✔✔This
provision extends coverage to YBPP temporarily stored in a portable storage unit,
including a detached trailer, that is located within 100 feet of the building or structure or
within 100 feet of the described premises— whichever is greater.
Coverage under this extension is provided for a maximum of 90 days from when the
storage unit is brought onto the premises. This means that coverage will not apply to a
storage unit that has been on the premises for more than 90 days, even if the business
personal property has not been stored there the entire time.
This Coverage Extension does not apply if loss or damage to the business personal
property in temporary storage is otherwise covered and is not applicable to loss or
damage to the storage unit itself.
The most that will be paid for loss or damage to business personal property in
temporary portable storage is $10,000. This can be modified with the Higher Limits
endorsement
✔✔Deductibles By Location Endorsement - ✔✔This endorsement modifies the
Deductible provision to enable an insured to have separate deductibles on different
locations. The endorsement also enables the insured to have separate deductibles on
Windstorm or Hail and Theft at different locations, by indicating the appropriate symbol
on the Schedule. In the event of a single occurrence at multiple locations, the
Deductibles By Location endorsement will apply a single, separate deductible at each
location.
✔✔Multiple Deductible Form Endorsement - ✔✔This endorsement also modifies the
Deductible provision to enable an insured to have separate deductibles on different
locations.
The endorsement also enables the insured to have separate deductibles on Windstorm
or Hail and Theft at different locations, by indicating the appropriate symbol on the
Schedule.
In the event of a single occurrence at multiple locations, only the largest applicable
deductible applies. This differs from Deductibles By Location
✔✔Windstorm or Hail Percentage Deductible Endorsement - ✔✔This endorsement
modifies the deductible by specifying either a 1%, 2%, or 5% deductible for Windstorm
or Hail. A deductible is calculated separately for each building and the business
personal property at each building. The endorsement provides guidance on how the
deductible is calculated for both "specific insurance" and "blanket insurance."
SOLUTIONS 2025/2026 RATED A+
✔✔Property Off-Premises - ✔✔This Coverage Extension allows the Named Insured to
apply coverage to the Named Insured's Covered Property while it is away from the
described premises if it is:
• temporarily at a location that is not owned, leased, or operated by the Named Insured,
• in storage at a leased location, only if the lease was executed after the start of the
current policy term, or
• at any fair, trade show, or exhibition
This Coverage Extension does not apply to property that is:
• in or on a vehicle, or
• in the care, custody, or control of salespersons unless at a fair, trade show, or
exhibition. The most that will be paid under this Coverage Extension is $10,000.
There is an endorsement available that can modify the Property Off-Premises Coverage
Extension: Specified Business Personal Property Temporarily Away From Premises
✔✔Specified Business Personal Property Temporarily Away From Premises
Endorsement - ✔✔This endorsement extends Your Business Personal Property
coverage to apply to business personal property indicated in the Schedule.
To qualify for coverage, property must be:
• temporarily away from the described premises in the course of the Named Insured's
daily business activities, and
• In the care, custody, or control of the Named Insured or an authorized employee
(including temporary employees and leased workers).
This endorsement does not apply to any of the following:
• "Stock," samples of "stock," or any of the Named Insured's products unless such
property is at a fair, trade show, or exhibition
• Property in the care, custody, or control of the Named Insured's salespersons unless
the property is at a fair, trade show, or exhibition
• Property in the care, custody, or control of a common or contract carrier or bailee for
hire
• Theft from a land motor vehicle unless there is forced entry into a securely locked
body or compartment of the vehicle
• Property while it is airborne or waterborne
• Property while outside of the Coverage Territory.
It is important to note that the Limit of Insurance shown in the Schedule is the most that
will be paid in any one occurrence. This endorsement cannot be stacked with other
coverages.
,✔✔Outdoor Property - ✔✔This Coverage Extension extends some coverage to limited
outdoor property, for a limited set of covered perils. F.L.A.R.E (Fire, Lightning, Aircraft,
Riot, Explosion). Coverage includes the expense of debris removal.
This Coverage Extension will not pay more than $1,000 total, and not more than $250
for any one tree, shrub, or plant.
Can endorse using:
- Additional Covered Property Endorsement
- Radio Or Television Antennas
- Outdoor Trees, Shrubs And Plants
✔✔Radio Or Television Antennas Endorsement - ✔✔This endorsement is used to
insure radio or television antennas for additional limits and/or additional causes of loss.
Under this endorsement, the definition of Covered Property includes satellite dishes,
lead-in wiring, and masts or towers.
The perils covered by this endorsement are subject to the Causes Of Loss form
selected, and there are exclusions for dampness or dryness of atmosphere, changes in
or extremes of temperature, or rain, snow, ice, or sleet
✔✔Outdoor Trees, Shrubs And Plants Endorsement - ✔✔This endorsement is used to
insure outside trees, shrubs, and plants for increased limits and/or additional causes of
loss. The limit of insurance applies to each tree, shrub, or plant, with a separate limit for
"all items."
The perils covered by this endorsement are subject to the Causes Of Loss form
selected, plus exclusions for dampness or dryness of atmosphere, changes in or
extremes of temperature, or rain, snow, ice, or sleet. Loss caused by vehicles can also
be excluded from coverage.
✔✔Non-owned Detached Trailers - ✔✔This Coverage Extension states that the Named
Insured may apply Your Business Personal Property coverage to loss or damage to
non-owned trailers if:
• the trailer is used in the Named Insured's business,
• the trailer is in the care, custody, or control of the Named Insured at the described
premises, and
• the Named Insured has a contractual responsibility to pay for loss or damage to the
trailer. This Coverage Extension will not pay for loss or damage that occurs:
• while the trailer is attached to any motorized vehicle or conveyance, or
• during hitching or unhitching operations or if the trailer becomes accidentally
unhitched.
The most that will be paid for this Coverage Extension is $5,000 unless a higher limit is
shown in the Declarations. It is excess coverage over the amount due from any other
insurance covering the property.
, The Higher Limits Endorsement can be used to increase.
✔✔Business Personal Property Temporarily In Portable Storage Units - ✔✔This
provision extends coverage to YBPP temporarily stored in a portable storage unit,
including a detached trailer, that is located within 100 feet of the building or structure or
within 100 feet of the described premises— whichever is greater.
Coverage under this extension is provided for a maximum of 90 days from when the
storage unit is brought onto the premises. This means that coverage will not apply to a
storage unit that has been on the premises for more than 90 days, even if the business
personal property has not been stored there the entire time.
This Coverage Extension does not apply if loss or damage to the business personal
property in temporary storage is otherwise covered and is not applicable to loss or
damage to the storage unit itself.
The most that will be paid for loss or damage to business personal property in
temporary portable storage is $10,000. This can be modified with the Higher Limits
endorsement
✔✔Deductibles By Location Endorsement - ✔✔This endorsement modifies the
Deductible provision to enable an insured to have separate deductibles on different
locations. The endorsement also enables the insured to have separate deductibles on
Windstorm or Hail and Theft at different locations, by indicating the appropriate symbol
on the Schedule. In the event of a single occurrence at multiple locations, the
Deductibles By Location endorsement will apply a single, separate deductible at each
location.
✔✔Multiple Deductible Form Endorsement - ✔✔This endorsement also modifies the
Deductible provision to enable an insured to have separate deductibles on different
locations.
The endorsement also enables the insured to have separate deductibles on Windstorm
or Hail and Theft at different locations, by indicating the appropriate symbol on the
Schedule.
In the event of a single occurrence at multiple locations, only the largest applicable
deductible applies. This differs from Deductibles By Location
✔✔Windstorm or Hail Percentage Deductible Endorsement - ✔✔This endorsement
modifies the deductible by specifying either a 1%, 2%, or 5% deductible for Windstorm
or Hail. A deductible is calculated separately for each building and the business
personal property at each building. The endorsement provides guidance on how the
deductible is calculated for both "specific insurance" and "blanket insurance."
