Exam (elaborations)
AINS 23 Commercial General Liability 1 (1).
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- CLM 023 AbilityOne
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- CLM 023 AbilityOne
AINS 23 Commercial General Liability 1 (1).
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AINS 23 Commercial General Liability 1Premises and operations liability applies because the contractor was in the process of installing
the cabinets - ANS-XYZ contractor, covered under an unendorsed Commercial General Liability
(CGL) Coverage Form, is installing kitchen cabinets in a customer's home. The contractor
manufactured the cabinets. While the contractor is fastening a cabinet, it falls and injures the
customer. Which one of the following best explains how coverage under the contractor's CGL
Coverage Form applies in this case?
Select one:
A. Products and completed operations liability applies because the contractor was installing
cabinets it manufactured.
B. Products and completed operations liability applies because the contractor was completing
the work.
C. Premises and operations liability applies because the contractor was working at the
customer's premises.
D. Premises and operations liability applies because the contractor was in the process of
installing the cabinets.
Premises and operations liability exposure - ANS-Pedestrian Wilma was injured as a result of a
contractor's negligence when the contractor failed to adequately warn the public of a hazard
when paving a road. Any resulting liability claim by Wilma against the contractor would be
considered to have arisen from the contractor's
Select one:
A. Personal liability exposure.
B. Products and completed operations liability exposure.
C. Absolute liability exposure.
D. Premises and operations liability exposure.
It covers the property owner for damage arising from the contractor's operations. - ANS-Which
one of the following statements about owners and contractors protective liability coverage is
true?
Select one:
A. It is purchased by the owner of property to protect contractors.
B. It protects the contractor from liability for normal business operations.
C. It covers the property owner for damage arising from the contractor's operations.
D. It is issued in the contractor's name.
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
Premises and operations exposure. - ANS-Fancy Dress Shop is a small specialty clothing
boutique for women. Liability claims against Fancy Dress Shop would most likely arise from its
Select one:
A. Products and completed operations exposure.
B. Premises and operations exposure.
C. Workers compensation exposure.
D. Advertising exposure.
Special damages - ANS-Under a Commercial General Liability (CGL) policy, an insured is found
to be legally liable to pay medical expenses as well as loss of earnings to a claimant. This
describes which one of the following types of damages?
Select one:
A. General damages
B. Special damages
C. Excess damages
D. Punitive damages
There is coverage and defense for Canada and Puerto Rico, since these are covered territories
- ANS-BBC Manufacturing (BBC) has an unendorsed Commercial General Liability (CGL)
Coverage Form. BBC has expanded its sales outside the United States. Due to injuries from
alleged defective products of BBC, lawsuits are brought in Europe, Mexico, Canada and Puerto
Rico. Which one of the following statements describes the extent for which BBC's insurer will
provide coverage or defense in these jurisdictions?
Select one:
A. There is no coverage or defense, as none of these jurisdictions meet the territorial
requirement.
B. There is coverage and defense for Canada and Puerto Rico, since these are covered
territories.
C. There is coverage and defense for the Puerto Rico lawsuit only as it is a territory of the
United States.
D. There is coverage and defense for all but the European suits since Europe is not part of the
territory covered.
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.
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