CISR Commercial Casualty I study guide
CISR Commercial Casualty I · Work through your exam, one topic at a time.
Commercial Casualty I is one of the nine courses that make up the Certified Insurance Service Representatives (CISR) designation program, a nationally recognized, intermediate-level educational program directed at customer service representatives and account managers. The course is built to strengthen your ability to hold productive, confident conversations with commercial customers about casualty exposures and coverages. Its content is organized under three headings: Essentials of Legal Liability, Commercial General Liability, and Additional Insureds, with the Commercial General Liability Coverage Form as the central focus of the course. Instruction is available as self-paced online study, live in-person classroom sessions, or instructor-led webinars, and each course consists of 7 hours of classroom instruction. Topics on this exam: Essentials of Legal Liability, Commercial General Liability, and Additional Insureds. The CISR Commercial Casualty I study guide has 3 sections and about 1,074 words.
01Essentials of Legal Liability
A liability claim must rest on a legal theory. Tort liability comes from a civil wrong independent of contract - negligence, intentional acts, or strict liability. Contractual liability is assumed, typically through an indemnity or hold-harmless agreement. Statutory liability is imposed by law, such as workers compensation or dram shop acts.
356 words, about 2 min02Commercial General Liability
The standard CGL is an occurrence policy: it covers injury or damage that takes place during the policy period, even if the claim is reported years later. An occurrence is an accident, including continuous or repeated exposure to substantially the same general harmful conditions. Intentional acts and expected or intended injury are excluded. Coverage A - bodily injury and property damage.
348 words, about 2 min03Additional Insureds
An additional insured (AI) gains rights only through an endorsement attached to the named insured's policy. A certificate of insurance is evidence of coverage, not coverage itself, and creates no rights. Watch for certificates that say "additional insured" with no endorsement behind them, and endorsements that require a written contract executed before the loss. CG 20 10 - owners, lessees, or contractors, scheduled person or organization (ongoing operations).
370 words, about 2 min