CISR Commercial Casualty I study plan

Define the four elements of negligence (duty, breach, causation, damages) and state the standard of care that applies to ordinary, professional, and premises situations.

Distinguish the duty owed to an invitee, a licensee, and a trespasser, and give one fact pattern illustrating each.

Differentiate actual cause from proximate cause and identify three intervening acts that break the chain of causation.

Classify damages into special, general, and punitive, and compute each category in two short hypotheticals.

Differentiate negligence, strict liability, vicarious liability, and contractual liability, citing one commercial example of each.

Compare contributory negligence with the various comparative negligence approaches and state which defenses bar recovery versus reduce it.

Identify the statutory boundaries that limit liability exposure: workers compensation exclusivity, governmental immunity, Good Samaritan statutes, and statutes of limitation and repose.

Apply assumption of risk and the fellow-servant concept to three employer/employee fact patterns.

Recite the Coverage A insuring agreement from memory and paraphrase it in plain language without changing its meaning.

Explain the difference between an occurrence trigger and a claims-made trigger and describe how each affects the timing of coverage.

Diagram the three CGL coverage parts (A, B, C) and show where each limit attaches within the policy structure.

Define bodily injury, property damage, occurrence, and suit as they are used in the policy, and flag where the policy wording differs from everyday usage.

Explain the major Coverage A exclusions, including expected or intended injury, contractual liability, pollution, auto, workers compensation/employer's liability, professional services, damage to your product, damage to your work, and impaired property.

Distinguish the mechanics of the 'your work' exclusion from the 'your product' exclusion and state how the subcontractor exception changes the outcome.

Compute available coverage across the occurrence limit, general aggregate, products-completed operations aggregate, and per-person limits in three claim scenarios.

Identify which endorsements most commonly modify Coverage A exclusions and describe what each one adds back.

Explain the Coverage B personal and advertising injury offenses and the exclusions that most often defeat coverage.

Explain Coverage C medical payments, including its no-fault nature, the time limit for reporting, and who qualifies as an insured.

Apply aggregate limits and reinstatement rules to three multi-claim scenarios within one policy period.

Distinguish a certificate of insurance from a policy endorsement and state what a certificate can and cannot do.

Explain how a party acquires additional insured status, contrasting endorsement-based status with status claimed only by contract.

Compare the main additional insured endorsement types: scheduled versus blanket, and ongoing operations versus completed operations.

Distinguish primary and noncontributory wording from excess and contributory wording and describe the effect of each on a loss involving two policies.

Demonstrate why a certificate of insurance does not create coverage, using a short written example.

Analyze contractual risk transfer by pairing indemnity/hold-harmless language and waivers of subrogation with the additional insured status they require.

Differentiate additional insured status from loss payee and mortgagee status, and explain the meaning of 'as their interest may appear'.

Apply additional insured wording to 3 construction or vendor fact patterns and determine whether coverage responds for each claim.

Draft a checklist a producer can use to review a client's contract for additional insured, primary and noncontributory, and subrogation requirements.

Complete a timed 100-question mixed mock exam spanning all three domains under exam conditions.

Rank the three domains by error rate and re-study the two weakest areas with targeted review.

Re-teach the 10 most frequently missed concepts in writing from memory without notes.

Review the exclusion table, limits calculations, and additional insured comparison chart one final time before test day.