CISR Insurance Service Representative Mock Tests

1. Focuses on the internal mechanics of an insurance agency and the legal/ethical standards required for service representatives.

Legal and Ethical Requirements

Professional Liability (E&O): Understanding the causes of Errors and Omissions claims and prevention strategies.

Standard of Care: The legal duties owed to both the insurance company and the client.

Ethical Decision Making: Navigating conflicts of interest and maintaining integrity in sales and service.

Agency Workflow and Management

The Insurance Agency: Understanding the roles of the principal, producer, and CSR.

Workflow Concepts: Standardized procedures for new business, renewals, and endorsements.

Communication & Technology: Effective use of Agency Management Systems (AMS) and digital client communication.

Account Management: Reviewing policies for adequacy and identifying gaps in coverage.

2. Insuring Personal Residential Property

Detailed analysis of the Homeowners and Dwelling policy forms.

Personal Residential Concepts

Insurable Interest: Who can be insured and the various types of ownership.

Replacement Cost vs. Actual Cash Value: Valuation methods for structures and personal property.

Homeowners Policy (HO-3 & HO-5)

Section I - Property Coverages: Coverage A (Dwelling), B (Other Structures), C (Personal Property), and D (Loss of Use).

Perils Insured Against: Broad vs. Special form perils and common exclusions (Flood, Earthquake, etc.).

Section II - Liability Coverages: Coverage E (Personal Liability) and F (Medical Payments to Others).

Other Residential Forms

Tenants and Unit-Owners: Specifics of the HO-4 (Renters) and HO-6 (Condo) policies.

Dwelling Policy (DP): Usage for non-owner-occupied or rental properties.

3. Insuring Personal Auto Exposures

Covers the legal and practical aspects of the Personal Auto Policy (PAP).

Personal Auto Policy Fundamentals

Definitions: Determining who is an "insured" and what constitutes a "your covered auto."

Liability Coverage (Part A): Split limits vs. single limits, out-of-state coverage, and supplementary payments.

Medical and Uninsured Motorists

Medical Payments (Part B): Coverage for reasonable expenses for necessary medical and funeral services.

Uninsured/Underinsured Motorists (Part C): Protecting clients against drivers with no or insufficient insurance.

Physical Damage and Provisions

Damage to Your Auto (Part D): Collision and Other Than Collision (Comprehensive) coverages.

Rental Vehicles: How the PAP extends to temporary substitute vehicles and rental cars.

4. Commercial Casualty I

Primary focus on the Commercial General Liability (CGL) policy.

Essentials of Legal Liability

Torts: Negligence, intentional acts, and strict liability.

Damages: Compensatory (Special and General) vs. Punitive damages.

Commercial General Liability (CGL)

Coverage A: Bodily Injury and Property Damage Liability.

Coverage B: Personal and Advertising Injury Liability.

Coverage C: Medical Payments.

Who is an Insured: Automatic insureds vs. those added by endorsement.

Additional Insureds

Endorsements: Adding owners, lessees, or contractors to the policy and the resulting E&O exposures.

5. Commercial Casualty II

Advanced casualty topics including business auto and statutory coverages.

Business Auto Policy (BAP)

Symbols: Detailed use of Symbols 1 through 9 to trigger coverage for various vehicle types.

Liability and Physical Damage: Coverage for owned, hired, and non-owned autos used in business.