CIC Commercial Casualty CGL Exam test with Answers Graded A+
1. 6 Casualty exposures Premises, Business operations, Products, Complet-
covered by CGL policy ed operations, Contractual, Contingent/vicarious
2. Premises types in Any location owned, rented, leased, borrowed, or
CGL used for business
3. Locations of business On premises or away from premises
operations CGL
4. Types of products Retail, wholesale, distributed, or manufactured
covered by CGL
5. 3 types of contractual Expressed/written, oral, and implied (i.e. fit for in-
exposures in CGL tended purpose)
6. Contingent liability (AKA vicarious) actions and damages of another
under insured's direction
7. Exposures in GCL Bodily Injury and Property Damage (both operations
Coverage A and contingent) -tangible only, no cyber
8. Bodily Injury Any injury, sickness, or disease caused by negli-
gence of insured or through contingent liability
9. Exposures in CGL Personal and advertising injury (both operations and
Coverage B contingent)
10. Personal injury Libel, slander, false arrest, false imprisonment
11. Advertising injury Damages to another as a result of a business's ad-
vertising
12. Libel vs. Slander Libel is written defamation, slander is oral
13. Property damage Damage to tangible property, including loss of use
14. Exposures covered in Non-fault medical payments, on premises or by op-
CGL Coverage C erations
15. 10 days
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, CGL minimum # of
days to cancel for non-
payment
16. CGL minimum # of 30 days
days to cancel except
for nonpayment
17. Automatic insured in members, managers, employees, and volunteer
an LLC workers, with respect to their business duties
18. Automatic insured executive officers, directors, stockholders, employ-
in organization other ees, and volunteer workers
than partnership
19. Automatic insured for members, partners, and spouses.
partnership
20. Does a CGL cover CGLs cover leased but not temporary workers.
leased workers and/or
temporary workers?
21. Difference between Leased is from an employment agency. temporary is
leased and temporary furnished by the insured
worker
22. Limits of employee Uncovered: BI or PD to named insured, partners,
coverage employees, volunteers, or spouses.
23. Insured on CGL be- 1. Real estate managers, other than employees. 2.
sides Automatic In- Persons with temporary custody of property if named
sureds insured dies. 3. Legal representative if named in-
sured dies.
24. Newly ac- Corp, individual, and trust (NOT Partnerships, joint
quired/formed entities ventures, or LLCs)
covered under exist-
ing CGL
25. 90 days or policy expiration, whichever is first
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