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CIC Commercial Casualty Institute

Essentials of Legal Liability (2 hours)

Every Commercial Casualty Institute will begin with this two-hour topic. This is a conceptual, rather than coverage-oriented, topic focusing on legal concepts and terms related to casualty insurance. As a two-hour introductory topic it may not be as important an area to focus on in your advance preparation as the subsequent coverage topics (i.e. it will account for about 10% of the exam), but if you have FC&S, PF&M or a law dictionary available, it may be worth reviewing some of the following terms and concepts:

• Negligence
• Legal Liability
• Tort
• Strict Liability
• Absolute Liability
• Joint and Several Liability
• Statute of Limitations
• Statute of Repose
• Vicarious Liability
• Hold Harmless Agreement
• Damages, types of

Commercial General Liability (6 hours)

This will usually be the second topic at a Commercial Casualty Institute, and as the longest single topic in the course, it would be an excellent area to focus on in your preparation. The main subject will be the ISO Commercial General Liability (CGL) policy (CG 00 01) and related endorsements.

Aside from a detailed analysis of the CGL and a review of various endorsements, we will also deal with issues such as the two liability coverage "triggers"--occurrence (form CG 00 01) versus claims-made (form CG 00 02)--available in the CGL.

Business Automobile Coverages (4 hours)

The emphasis here will be on the ISO Business Auto Coverage Form (CA 00 01) and related endorsements. An excellent way to prepare would be a detailed reading of the BAP and a review of some of the major endorsements and their uses.

Endorsements likely to be covered include:

• Drive Other Car (CA 99 10)
• Individual Named Insured (CA 99 17)
• Employees As Insureds (CA 99 33)
• Hired Autos (CA 99 16)
• Additional Insured - Lessor (CA 20 01)
• Rental Reimbursement Coverage (CA 99 13)

Workers Compensation (4 hours)

This is another topic with a large conceptual element. We will look at Workers Compensation laws from both a state-specific and national viewpoint, reviewing the types of issues addressed in all WC laws as well as specifics of Florida's Workers Compensation law. Topics discussed will include:

• Common Law Obligations and Defenses of Employers
• Exclusive Remedy Concept
• Different Types of State WC laws
• Methods of Funding WC
  
  1. Private Insurers
  2. Competitive State Funds
  3. Monopolistic State Funds
  4. Self-Insurance
     
• Types of Benefits Provided by WC
  1. Medical expenses
  2. Disability benefits
  3. Death benefits
  4. Survivor benefits
• Classes of Disability
  1. Permanent total disability
  2. Permanent impairment (partial disability)
  3. Temporary total
  4. Temporary impairment
• Second Injury funds

We will not be analyzing these forms in the same kind of detail that we deal with the CGL or BAP, but some of the forms likely to be included are:

• Workers Compensation and Employers Liability Insurance Policy (WC 00 00 00)
• Voluntary Compensation (WC 00 03 11)
• Alternate Employer (WC 00 03 01)
• Longshore and Harbor Workers' Compensation Act Coverage (WC 00 01 06)
• Maritime Coverage (WC 00 01 01)
• Labor Contractor Endorsement (WC 00 03 20)

Excess Liability/Commercial Umbrella Coverages (2 hours)

Like the Inland Marine section of the Commercial Property Institute, this topic deals with nonstandard forms. There is not one dominant version of the commercial umbrella policy that you can study closely, but you would benefit by reviewing any same policies you have access to. Some of the issues dealt with in this topic will include:

• Umbrella Coverage v. Excess Liability
• Umbrella "Drop Down" Provision
• Self-Insured Retention (SIR)
• Underlying coverage issues

Optional Topics

The remaining two hours of the Commercial Casualty Institute will vary depending on when you attend. Some of the possible topics are:

• D&O Liability
• Garage Liability
• Employment-Related Practices Exposures
• Pollution Liability
• Professional Liability