CISR Commercial Casualty II study guide
CISR Commercial Casualty II · Work through your exam, one topic at a time.
Commercial Casualty II is one of the nine one-day courses in the Certified Insurance Service Representative (CISR) program, a nationally recognized educational program for customer service representatives that focuses on minimizing E&O claims and on understanding and analyzing risks and exposures. The course is aimed at account managers, customer service representatives, broker marketing representatives and other employees of agencies, insurance companies or insurance-related businesses who already have some working knowledge of the applicable policies. The CISR Commercial Casualty II study guide has 3 sections and about 1,544 words.
01Workers' Compensation and Employers' Liability
This domain tests the anatomy of the standard workers compensation and employers liability policy: which part pays which loss, which state's law governs, how premium is built, and where employers liability limits sit. Expect scenario questions - an injury, a state, a payroll figure - asking you to pick the responding coverage.
526 words, about 3 min02Introduction to Business Auto Coverage
This domain tests the Business Auto Coverage Form: how covered-auto symbols decide which vehicles are insured, who qualifies as an insured, what liability and physical damage each pay, and where the form's exclusions push a loss to another policy. The declarations show one or more covered-auto symbols, and every coverage question starts there: 1 Any Auto; 2 Owned Autos Only; 3 Owned Private Passenger Autos Only; 4 Owned Autos Other Than Private Passenger Autos; 5 Owned Autos Subject to No-Fault; 6 Owned Autos Subject to Compulsory Uninsured Motorist Law; 7 Specifically Described Autos; 8 Hired Autos Only; 9 Nonowned Autos Only.
524 words, about 3 min03Excess Liability and Commercial Umbrella Policies
This domain tests how liability limits are stacked: the difference between excess and umbrella, how the umbrella sits over scheduled underlying policies, when it drops down over a self-insured retention, and what happens when the insured fails to maintain the underlying insurance it promised to keep. An excess policy is follow-form: it adopts the terms of one underlying policy and pays above that policy's limits.
494 words, about 2 min