CIC COMMERCIAL CASUALTY EXAM QUESTIONS AND ANSWERS
CIC Commercial Casualty
(VERIFIED AND WELL DETAILED ANSWERS) LATEST UPDATE
Study online at https://quizlet.com/_fl5vam
2025/2026
1. 1.1) If you are designated You AND your spouse, but only with respect to the business
in the declarations as an in-
dividual, who else is an in-
sured?
2. 1.1) If you are designated in You are an insured, your members, partners, and their spouses
the declarations as a partner- are also insureds, but only with respect to the business
ship or joint venture , who
else is an insured?
3. 1.1) If you are designated in You, your members, but only in respect to the business. Your
the declarations as an LLC, managers are insureds, but only in respect to their duties as
who else is an insured? managers
4. 1.1) If you are designated in You, your officers, and directors, but only with respect to the
the declarations as an orga- business Stockholders are also insureds, but only in respect to
nization other than partner- their duties as stockholders
ship, joint venture, or LLC,
who else is an insured?
5. 1.1) If you are designated in You and your trustees but only in respect to the business
the declarations as a trust,
who else is an insured?
6. 1.1) Aside from owners, offi- Volunteer Workers (while preforming duties related to the con-
cers, or managers, who else duct of the business) and Employees (only in the scope of their
is automatically insureds as employment) Real Estate Managers
well?
7. 1.1) Volunteer Workers and Temporary or leased workers. They are excluded
Employees are automatical-
ly insureds. Which type(s) of
, CIC Commercial Casualty
Study online at https://quizlet.com/_fl5vam
employees are NOT auto-
matic insureds?
8. 1.1) Employees and volun- - BI/PD to a named insured
teer workers are not con- - Injury to the family of a coworker
sidered automatic insureds - BI/AI when providing professional health care services
when they cause... - Property damage owned by, or in the CCC of a named insured
9. 1.1) Newly acquired orga- 90 days, excludes claims that occurred prior to acquisition of
nizations are automatic in- new organization.
sureds for what period of
time?
10. 1.2) What are the two promis- Indemnity and Defense. (Pays sum the insured becomes legally
es found in paragraph 'a.' of obligated to pay as damages because of BI/PD and the defense
the insuring agreement? costs)
11. 1.2) Define BI and PD - BI: sickness or disease, injury, or death
- PD: Physical injury or loss of use to tangible property
12. 1.2) Where must the 'occur- The coverage territory
rence' take place for cover-
age to be active?
13. 1.2) What is the coverage ter- US, it's territories and possessions, Puerto Rico and Canada
ritory?
14. 1.2) is international airspace Yes, but only when flying between locations in the coverage
part of the coverage territo- territory
ry?
15. 1.2) Under what circum- - Product is made or sold in territory described in coverage
stances is the coverage terri- territory
tory worldwide? - Temporary business travel
, CIC Commercial Casualty
Study online at https://quizlet.com/_fl5vam
- Personal or advertising injury occurs on the web
- SUIT MUST BE BROUGHT IN THE US
16. 1.2) Is previously known in- No.
jury or damage a covered
loss?
17. 1.3) Does coverage A apply to No. Expected or intended injury is an exclusion from Coverage
expected or intended injury? A
18. 1.3) What is Contractual Lia- Arises from one party assuming responsibility of another party
bility? (Tenant - Landlord, Sub - GC, Lessee - Lessor)
19. 1.3) What is considered an - Lease of Premises
'Insured Contract'? (LEASE- - Easement or license agreement (unless within 50 feet of a
Plus) railroad)
- An obligation to indemnify a municipality or required by ordi-
nance except when working for a municipality)
- Sidetrack Agreement
- Elevator maintenance agreement
- Plus any other contract which the named insured assumes tort
liability of another party to pay BI/PD to a third party
20. 1.3) What is NOT considered - A railroad indemnity agreement
an 'Insured Contract' (Three - Architect, engineer, or surveyor indemnity agreement
things) - Professional Liability for any of the above things
21. 1.3) Is liquor liability exclud- Yes, however host liquor coverage is provided if the named in-
ed from Coverage A? sured is not in the business of producing, selling or distributing
liquor/alcohol
22. 1.3) Does Coverage A apply No. Excluded
to Workers Comp Laws?
CIC Commercial Casualty
(VERIFIED AND WELL DETAILED ANSWERS) LATEST UPDATE
Study online at https://quizlet.com/_fl5vam
2025/2026
1. 1.1) If you are designated You AND your spouse, but only with respect to the business
in the declarations as an in-
dividual, who else is an in-
sured?
2. 1.1) If you are designated in You are an insured, your members, partners, and their spouses
the declarations as a partner- are also insureds, but only with respect to the business
ship or joint venture , who
else is an insured?
3. 1.1) If you are designated in You, your members, but only in respect to the business. Your
the declarations as an LLC, managers are insureds, but only in respect to their duties as
who else is an insured? managers
4. 1.1) If you are designated in You, your officers, and directors, but only with respect to the
the declarations as an orga- business Stockholders are also insureds, but only in respect to
nization other than partner- their duties as stockholders
ship, joint venture, or LLC,
who else is an insured?
5. 1.1) If you are designated in You and your trustees but only in respect to the business
the declarations as a trust,
who else is an insured?
6. 1.1) Aside from owners, offi- Volunteer Workers (while preforming duties related to the con-
cers, or managers, who else duct of the business) and Employees (only in the scope of their
is automatically insureds as employment) Real Estate Managers
well?
7. 1.1) Volunteer Workers and Temporary or leased workers. They are excluded
Employees are automatical-
ly insureds. Which type(s) of
, CIC Commercial Casualty
Study online at https://quizlet.com/_fl5vam
employees are NOT auto-
matic insureds?
8. 1.1) Employees and volun- - BI/PD to a named insured
teer workers are not con- - Injury to the family of a coworker
sidered automatic insureds - BI/AI when providing professional health care services
when they cause... - Property damage owned by, or in the CCC of a named insured
9. 1.1) Newly acquired orga- 90 days, excludes claims that occurred prior to acquisition of
nizations are automatic in- new organization.
sureds for what period of
time?
10. 1.2) What are the two promis- Indemnity and Defense. (Pays sum the insured becomes legally
es found in paragraph 'a.' of obligated to pay as damages because of BI/PD and the defense
the insuring agreement? costs)
11. 1.2) Define BI and PD - BI: sickness or disease, injury, or death
- PD: Physical injury or loss of use to tangible property
12. 1.2) Where must the 'occur- The coverage territory
rence' take place for cover-
age to be active?
13. 1.2) What is the coverage ter- US, it's territories and possessions, Puerto Rico and Canada
ritory?
14. 1.2) is international airspace Yes, but only when flying between locations in the coverage
part of the coverage territo- territory
ry?
15. 1.2) Under what circum- - Product is made or sold in territory described in coverage
stances is the coverage terri- territory
tory worldwide? - Temporary business travel
, CIC Commercial Casualty
Study online at https://quizlet.com/_fl5vam
- Personal or advertising injury occurs on the web
- SUIT MUST BE BROUGHT IN THE US
16. 1.2) Is previously known in- No.
jury or damage a covered
loss?
17. 1.3) Does coverage A apply to No. Expected or intended injury is an exclusion from Coverage
expected or intended injury? A
18. 1.3) What is Contractual Lia- Arises from one party assuming responsibility of another party
bility? (Tenant - Landlord, Sub - GC, Lessee - Lessor)
19. 1.3) What is considered an - Lease of Premises
'Insured Contract'? (LEASE- - Easement or license agreement (unless within 50 feet of a
Plus) railroad)
- An obligation to indemnify a municipality or required by ordi-
nance except when working for a municipality)
- Sidetrack Agreement
- Elevator maintenance agreement
- Plus any other contract which the named insured assumes tort
liability of another party to pay BI/PD to a third party
20. 1.3) What is NOT considered - A railroad indemnity agreement
an 'Insured Contract' (Three - Architect, engineer, or surveyor indemnity agreement
things) - Professional Liability for any of the above things
21. 1.3) Is liquor liability exclud- Yes, however host liquor coverage is provided if the named in-
ed from Coverage A? sured is not in the business of producing, selling or distributing
liquor/alcohol
22. 1.3) Does Coverage A apply No. Excluded
to Workers Comp Laws?
