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AINS 23 Commercial General Liability 1 questions and correct answers (elaborations) with 100% accurate , verified , latest fully updated , 2024/2025 ,already passed , graded a+, complete solutions guarantee distinctions rationales| 5-star rating

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  • August 5, 2024
  • 12
  • 2024/2025
  • Exam (elaborations)
  • Questions & answers

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  • ains 23 commercial general liability 1

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  • Commercial Construction
  • Commercial Construction

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AINS 23 Commercial General Liability 1
A defective gas range manufactured by the insured explodes causing injury - ANS-Which one of
the following is an example of injury or damage arising from an occurrence that would be
covered by the products and completed operations liability portion of the Commercial General
Liability (CGL) Coverage Form?
Select one:
A. A customer's house is set on fire while the insured is doing plumbing work.
B. A defective gas range manufactured by the insured explodes causing injury.
C. A dissatisfied customer sues an insured for slander.
D. A customer is injured when she slips on a wet floor in a store.

A Railroad Protective Liability Coverage Form purchased by the contractor - ANS-A contractor
was hired by a railroad to work on a bridge adjacent to railroad tracks. Which one of the
following types of insurance coverage would best respond to claims against the railroad arising
out of the contractor's work?
Select one:
A. An Owners and Contractors Protective Liability Coverage Form purchased by the railroad
B. A Commercial General liability (CGL) Coverage Form covering the contractor
C. A Railroad Protective Liability Coverage Form purchased by the contractor
D. A Commercial General liability (CGL) Coverage Form covering the railroad

A store manager accuses a young man of shoplifting, apprehends him, and locks him in a
storage room until the police arrive. When it is discovered that the young man is innocent, he
files a claim against the store - ANS-Which one of the following claims would be covered under
Coverage B—Personal and Advertising Injury Liability of the Commercial General Liability
Coverage Form (CGL)?
Select one:
A. An insured is sued for slashing the tires of a competitor's trucks and causing the competitor
to lose business. The competitor submits a claim for his loss of business.
B. A landlord of a commercial building argues with a tenant, enters the tenant's store after hours
and damages the tenant's merchandise. The tenant files a claim for his damaged merchandise.
C. A store manager accuses a young man of shoplifting, apprehends him, and locks him in a
storage room until the police arrive. When it is discovered that the young man is innocent, he
files a claim against the store.
D. When a new restaurant opens down the street, the insured submits a false story to the
newspaper stating that the restaurant is infested by rats. The insured is sued fo

A volunteer worker of the named insured - ANS-Under the Commercial General Liability (CGL)
Coverage Form, medical payments coverage applies to which one of the following?
Select one:
A. A person injured while taking part in athletic contests.

, B. A volunteer worker of the named insured.
C. Anyone hired to do work for an insured or for a tenant of an insured.
D. A person injured on that part of the named insured's premises that the person normally
occupies.

An accident, including continuous or repeated exposure to substantially the same general
harmful conditions - ANS-The Commercial General Liability (CGL) Coverage Form defines the
term "occurrence" as
Select one:
A. An incident, sudden and accidental in nature, causing bodily injury or property damage.
B. An accident, including continuous or repeated exposure to substantially the same general
harmful conditions.
C. An accident, causing bodily injury or property damage, that occurs suddenly.
D. An incident resulting from repeated exposure to substantially the same general harmful
conditions.

An insured not in the alcoholic-beverage business that becomes liable for injury resulting from
serving alcoholic beverages - ANS-Which one of these is an example of an entity to whom the
Coverage A Liquor Liability exclusion would not apply?
Select one:
A. An insured in the business of furnishing alcoholic beverages
B. An insured in the business of manufacturing alcoholic beverages
C. An insured in the business of distributing alcoholic beverages
D. An insured not in the alcoholic-beverage business that becomes liable for injury resulting
from serving alcoholic beverages

Cover the lost earnings up to $250 - ANS-John Smith owns a bookstore that is covered under
an unendorsed Commercial General Liability (CGL) Coverage Form. A customer falls in the
store resulting in a covered lawsuit against Smith. Smith is asked to testify in court by the
defense attorney; Smith incurs $500 in lost earnings for the one day trial. The supplementary
payments section of Smith's CGL policy will
Select one:
A. Not cover the lost earnings.
B. Cover the lost earnings of $500.
C. Cover the lost earnings only if Smith is found liable.
D. Cover the lost earnings up to $250.

Coverage and defense applies as John was using reasonable force to protect his property -
ANS-John, a store owner, has an unendorsed Commercial General Liability (CGL) Coverage
Form. A customer has sued John alleging he was injured when John restrained him and a
scuffle ensued. John claims he used reasonable force to restrain the customer from damaging a
display of merchandise in the store. Which one of the following is true regarding coverage for
this lawsuit under John's CGL policy?
Select one:

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