CISR study plan

Define the six elements of risk (pure vs. speculative, static vs. dynamic) and classify 20 sample exposures correctly

Explain the risk management process steps - identification, measurement, selection of technique, implementation, monitoring - in your own written summary

Distinguish avoidance, retention, transfer, and loss reduction/control, and match each to at least five commercial scenarios

Map the agency/company relationship, agency authority types (express, implied, apparent), and the agent's duties to the insured and insurer

Outline the errors and omissions exposures created by an agency's handling of binders, certificates, and cancellation notices

Break down CGL Coverage A (Bodily Injury/Property Damage) trigger, insuring agreement, and exclusions into an annotated list

Differentiate Coverage B (Personal & Advertising Injury) offenses from Coverage A claims using ten fact patterns

Compare Coverage C (Medical Payments) limits and conditions against Coverage A

Interpret the occurrence, your work, and damage-to-your-product exclusions and explain how each is narrowed by exceptions

Calculate who-is-an-insured status for sole proprietors, partnerships, LLCs, and joint ventures

Distinguish the CGL aggregate, occurrence, and per-person/per-claim limits and apply them to a multi-loss scenario

Explain additional insured endorsements and how primary/non-contributory wording changes the loss outcome

Summarize commercial auto coverage symbols (1–9) and select the correct symbol for five described fleets

Describe workers compensation Part One, Part Two, and employers liability limits and the exclusive-remedy interplay

Compare occurrence-based CGL with claims-made liability forms, including the retroactive date and extended reporting period

Identify the four commercial property loss causes (basic, broad, special, and the difference in coverage triggers)

Compute coinsurance penalties for at least five underinsurance examples and state the formula from memory

Explain replacement cost vs. actual cash value, agreed value, and the margin clause in plain language

Distinguish builder's risk, business income, and extra expense coverage and their period-of-restoration mechanics

Interpret blanket vs. specific insurance and the maximum-of-limits approach for multiple locations

Apply the personal auto policy's eligibility rules to determine who qualifies as a family member, resident relative, or permissive user

Sequence the PAP Part A coverage triggers for owned, non-owned, and temporary substitute autos

Explain Part B medical payments, Part C uninsured/underinsured motorists, and Part D coverage to a non-insurance friend in writing

Differentiate the six PAP exclusions and endorsements that most often appear in exam scenarios (business use, ridesharing, named non-owner)

Determine negligent entrustment and leasing exposures created by an agent's advice

Compare HO-2, HO-3, HO-5, HO-4, HO-6, and HO-8 coverage triggers and eligibility without notes

Analyze Coverage A/B/C/D limits and automatically included additional coverages (debris removal, loss of use, trees/shrubs)

Explain the special limits of liability sub-limits for money, securities, jewelry, and business property

Apply replacement cost and the 80% requirement for dwelling and personal property losses in three calculations

List the standard HO exclusions (ordinance or law, earth movement, water damage, neglect, intentional loss) and the endorsements that restore each

Define the field underwriter's role, insurable interest, and the elements of a valid contract in life and health insurance

Distinguish term, whole life, universal life, and variable products by premium, cash value, and risk bearing

Classify the provisions - incontestability, entire contract, grace period, reinstatement, suicide, misstatement of age - and state each timeframe

Explain health policy structures including deductibles, coinsurance, coordination of benefits, and the HSA-qualified high-deductible pairing

Compare individual, group, Medicare supplement, and disability income coverage triggers

Compare umbrella/excess liability, inland marine, flood, and personal watercraft/dwelling fire coverage triggers and gaps

Explain surety bonds and businessowners policy (BOP) eligibility as a bridge to commercial lines review

Re-run every prior week's self-quiz and log each missed item by domain into a single error tracker

Recite the eight domain weights and reallocate remaining study minutes to your two weakest domains

Complete two timed, full-length practice exams under exam conditions and review every missed rationale