CIC Commercial Casualty study plan

Outline the structure of a CGL coverage form, distinguishing the insuring agreement, exclusions, conditions, and definitions sections.

Differentiate occurrence-based versus claims-made triggers and apply each to a fact pattern.

Explain how the three CGL coverage parts (A, B, C) interact and identify which part responds to a given loss.

Define key CGL terms including 'bodily injury,' 'property injury,' 'personal and advertising injury,' and 'occurrence.'

Analyze the major CGL exclusions (e.g., expected or intended injury, contractual liability, pollution, professional services) and determine when an exception restores coverage.

Apply the 'your work' and 'your product' exclusions to completed operations and products liability scenarios.

Interpret CGL limits (occurrence, general aggregate, products-completed operations aggregate, personal and advertising injury) and calculate available limits after a loss.

Explain the CGL conditions, including duties after loss, legal action against the insurer, and other insurance provisions.

Distinguish between additional insured status and indemnitee status, and explain when each is used in commercial contracts.

Compare the scope of coverage provided by the four standard additional insured endorsements (CG 20 10, CG 20 11, CG 20 26, CG 20 33) in terms of who is insured and for what.

Identify how additional insured endorsements modify the CGL's 'insured contract' and 'other insurance' provisions.

Evaluate the impact of additional insured status on limits, notice requirements, and subrogation.

Analyze waiver of subrogation endorsements and their interaction with additional insured endorsements.

Explain the primary and noncontributory endorsement and how it affects the order of payment among policies.

Apply additional insured concepts to construction, landlord-tenant, and vendor-vendee scenarios.

Identify common pitfalls in additional insured wording, such as completed operations limitations and the 'caused by' requirement.

Outline the five parts of the Business Auto Coverage Form (covered autos, liability, physical damage, conditions, definitions) and their functions.

Interpret the covered auto symbols (1-9 and 19) and determine which autos are covered under each symbol.

Explain the Business Auto Conditions, including duties after an accident, transfer of rights of recovery, and other insurance.

Differentiate between the Business Auto, Garage, and Truckers coverage forms in terms of who and what they cover.

Analyze the major Business Auto endorsements, such as drive-other-car, hired auto, employer's nonownership liability, and additional insured.

Explain the interaction between the Business Auto policy and other commercial policies (e.g., CGL, workers compensation) for auto-related losses.

Apply the Business Auto exclusions (e.g., expected or intended, racing, use as a public livery) to claims scenarios.

Calculate liability and physical damage losses under the Business Auto policy, including deductibles and limits.

Explain the structure of the Workers Compensation and Employers Liability policy, including Part One, Part Two, and Part Three.

Differentiate between workers compensation benefits and employers liability coverage, and identify which part responds to a given claim.

Describe the workers compensation benefits (medical, disability, death) and how they are calculated under state statutes.

Analyze the major endorsements and exclusions that modify the WC/EL policy, such as the alternate employer endorsement and the voluntary compensation endorsement.

Integrate concepts from all four domains by analyzing a complex multi-line commercial casualty claim.

Review and reinforce weak areas identified in prior quizzes and exercises.

Practice time management by completing a full-length practice exam under timed conditions.

Evaluate your readiness by scoring at least 75% on the practice exam and reviewing all incorrect answers.