Quiz 1 Day 4 General Lines
Quiz by Brian Morton
Feel free to use or edit a copy
includes Teacher and Student dashboards
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Tag the questions with any skills you have. Your dashboard will track each student's mastery of each skill.
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- assign as homework
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- print as a bubble sheet
- Q1
An insurer can use the CGL policy's limited fungi or bacteria coverage endorsement to:
limit its exposure to property damage liability claims for mold damage
eliminate its exposure to mold-related bodily injury liability claims
eliminate its exposure to property damage liability claims for mold damage
limit its exposure to mold-related bodily injury or property damage liability claims
60s - Q2
Antoinette's Antiques is the named insured under an ISO pollution liability form. The form's extended reporting period option allows Antoinette to:
get an endorsement to cover claims reported within one year after the policy period ends
extend the period for reporting claims if she decides not to renew the policy
backdate the policy's effective date so coverage will apply to prior losses
get an endorsement to cover events occurring within one year after the policy period ends
60s - Q3
Marty drives to Ritzy Restaurant. After parking in a nearby lot, he slips on the icy pavement and breaks his ankle. Two months later, he submits his $1,000 medical bill to Ritzy Restaurant for payment. Why might Ritzy's commercial general liability insurer refuse to pay this claim under Coverage C-medical payments?
The injury occurred off the insured premises.
The injury involved a member of the public.
The injury was caused by Marty's negligence.
Ritzy's negligence caused the accident.
60s - Q4
Lila, a self-employed accountant, requires emergency medical treatment after choking on a product of the Dulce Candy Company while in her office. A month later, she asks Dulce to pay her medical bills. Dulce's commercial general liability policy with medical payments coverage (Coverage C) will:
cover any claim arising out of the use of Dulce's products
exclude coverage for an injury that occurs in the workplace
exclude coverage for Lila's claim because the incident occurred away from Dulce's premises
cover a liability claim that is made within one year of the incident
60s - Q5
Under the Coverage A insuring agreement of the CGL policy, what does the insurer promise to do?
to determine the most suitable coverage for the insured's loss exposures
to sue those who file claims against the insured for bodily injury or property damage
to pay damages on behalf of the insured for bodily injury or property damage that the policy cover
to cover the insured's obligation under a court injunction
60s - Q6
Lisa's CGL policy from Equitable Insurance Company expires. Equitable's premium auditor asks to review Lisa's records in accordance with the policy's premium audit condition. Why does Equitable want to audit her records?
to ensure that the premium is not discriminatory
to determine the earned premium based on the actual exposures
to determine whether the premium is priced competitively
to determine the sources of funding for the premium payments
60s - Q7
Josiah is the sole proprietor of a luggage repair business. His wife, Bonnie, is the office manager. Josiah is the named insured listed in the business' commercial general liability insurance policy. Bonnie's sister Ruth is a part-time employee. Who is insured under the policy?
Josiah and Bonnie, with respect to all business activities
Josiah and Bonnie, with respect to the luggage business
Josiah, Bonnie, and Ruth with respect to all business activities
Josiah alone
60s