CCP Insurance Policy Interpretation & Coverage Analysis 3

Question 1

Under ISO Commercial General Liability (CGL) form, 'bodily injury' coverage applies to which of the following?

Accepted Answer

Sickness, disease, or death resulting from a covered occurrence

Answer

Under the ISO CGL form, bodily injury is defined to include sickness, disease, or death resulting from physical harm caused by a covered occurrence.

Question 2

A pollution exclusion in a CGL policy that uses 'absolute' language would most likely exclude coverage for:

Accepted Answer

Carbon monoxide poisoning from a malfunctioning HVAC unit

Answer

Absolute pollution exclusions have been broadly applied by many courts to exclude coverage for carbon monoxide and other irritants that qualify as 'pollutants' under the policy definition.

Question 3

The 'trigger of coverage' analysis in long-tail claims is used to determine:

Accepted Answer

Which policy year's limits apply when injury spans multiple years

Answer

Trigger of coverage analysis determines which policy period(s) are implicated when a continuous injury or disease develops over multiple years, affecting which insurer(s) must respond.

Question 4

A homeowner's 'open perils' (all-risk) policy covers losses that are:

Accepted Answer

Caused by any peril not specifically excluded

Answer

An open perils or all-risk policy covers any cause of loss unless it is specifically excluded, placing the burden on the insurer to prove an exclusion applies.

Question 5

Which of the following best describes the 'concurrent causation' theory that benefits policyholders?

Accepted Answer

Coverage applies when both a covered and excluded cause combine to produce the loss

Answer

The majority rule on concurrent causation favors policyholders by providing coverage when a covered peril and an excluded peril combine to cause a loss, unless an anti-concurrent causation clause applies.

(CCP) Certified Claims Professional Practice Test

(CCP) Certified Claims Professional Practice Test

CCP Insurance Policy Interpretation & Coverage Analysis 3