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CISR - Personal Lines Miscellaneous
Questions and Answers 2025
WhatAisAaAtrade?A-ACORRECTAANSWERSA-SkilledAmanualAorAmechanicalAwork.A Examples:APainter,ACarpenter,AElectrician,Aetc. WhatAisAaAprofession?A-ACORRECTAANSWERSA- AAvocationArequiringAadvancedAeducationAandAtraining.A Examples:APhysician,ADentist,AAttorney,AVeterinarian,Aetc. WhatAisAanAoccupation?A-ACORRECTAANSWERSA- AnAactivityAorApursuitAinAwhichAaApersonAisAengaged;AaAperson'sAusualAorAprincipalAworkAor Abusiness. WhatAareAtheAtwoApartsAofAtheAdefinitionAofA"Business"?A-ACORRECTAANSWERSA-PartA 1 A- AAAbusinessAincludesAaAtrade,Aprofession,AorAoccupationAengagedAinAonAaAfull-time,Apart- time,AorAoccasionalAbasis. PartA 2 A- AAAbusinessAisAanyAactivityAthatAisAengagedAinAforAmoneyAorAotherAcompensationAunlessAitAi sAoneAofAfourAcitedAactivities. WhatAareAtheAfourAcitedAactivitiesAthatAcanAvoidAtheAdefinitionAofAbusiness?A- ACORRECTAANSWERSA- 1 A- AOneAorAmoreAactivitiesAforAwhichAnoA"insured"AreceivedAmoreAthanA$2,000AinAtheA 12 Amont hsApriorAtoAtheAbeginningAofAtheApolicyAperiod. 2 A- AVolunteerAactivitiesAwhereAnoAcompensationAisAreceivedAotherAthanAreimbursementAofAex penses. 3 A- AHomeAdayAcareAprovidedAwithoutAcompensationAevenAifAthereAisAaAmutualAexchangeAofAd ayAcareAservices. 4 A- AHomeAdayAcareAtoAaArelativeAofAanA"insured"AevenAifAreceivingAcompensationAforAtheAservi ces. IsAcoverageAforAaAlossAtoAtheACoverageAAA-ADwellingAeffectedAbyA"business"Ause?A- ACORRECTAANSWERSA-NoA- AthereAisAnotAaAlimitationAorAexclusionAforAaAdwellingAwithAaA"business"Aexposure. WhatAdoesAtheAHomeownersA 3 A- ASpecialAFormApolicyAautomaticallyAincludeAinAregardsAtoACoverageAAA- ADwellingA&ACoverageABA-AOtherAStructures?A-ACORRECTAANSWERSA-
ItAautomaticallyAincludesACoverageABA- AOtherAStructuresAcoverageAupAtoA10%AofACoverageAAA-ADwellingAlimit. UnderAtheAHomeownersA 3 A- ASpecialAFormApolicy,AwhatAthreeAexclusionsAapplyAtoAanAotherAstructure?A- ACORRECTAANSWERSA- 1 A- AAnAotherAstructureAthatAisArentedAorAheldAforArentalAtoAanyoneAnotAaAtenantAofAtheAdwelling AunlessAforAuseAsolelyAasAaAprivateAgarage. 2 A-AAnAotherAstructureAwithAaAbusinessAconductedAinAit. 3 A- AAnAotherAstructureAusedAtoAstoreA"business"ApropertyAunlessAtheApropertyAisAboth:A(1)AOw nedAsolelyAbyAanA"insured"AorAtenantAofAtheAdwellingA&A(2)ATheA"business"ApropertyAisAnotA gaseousAorAliquidAfuelAunlessAitAisAinAaApermanentlyAinstalledAfuelAtankAofAaAvehicleAorAcraft AparkedAorAstoredAinAtheAstructure. WhatAisAtheAStructuresARentedAtoAOthersA- AResidenceAPremisesAHOA 04 A 40 AendorsementAusedAtoAobtain?A- ACORRECTAANSWERSA- UsedAtoAobtainAcoverageAforAanAotherAstructureAthatAisArentedAtoAothersAforAuseAasAaAprivat eAresidence. TheAotherAstructureAisAdescribedAinAtheAScheduleAwithAaALimitAofALiability. WhatAisAtheAPermittedAIncidentalAOccupanciesA- AResidenceAPremisesAHOA 04 A 42 AusedAfor?A-ACORRECTAANSWERSA- AnAotherAstructureAwithAanAeligibleAincidentalA"business"AexposureAtypicallyAoffices,Aschoo ls,AorAstudios. TheALimitAofALiabilityA&ADescriptionAofAOtherAStructureAmustAbeAshownAinAtheASchedule. UnderAaAstandardAISOAHomeownersApolicy,AwhatAareAtheAtwoACoverageACA- APersonalAPropertyASpecialALimitsAofALiabilityAthatAapplyAtoApropertyAusedAprimarilyAforAbus iness?A-ACORRECTAANSWERSA- 1 A- A$2,500.00AforApersonalApropertyAusedAprimarilyAforA"business"AwhileAonAtheA"residenceApr emises." 2 A- A$1,500.00AforApersonalApropertyAusedAprimarilyAforA"business"AwhileAawayAfromAtheA"resi denceApremises" *TheAlimitationsAdoAnotAapplyAtoApropertyAusedAoccasionallyAforA"business." WhatAisAtheAIncreasedALimitsAonABusinessAPropertyAHOA 04 A 12 AendorsementAusedAfor?A- ACORRECTAANSWERSA- ToAincreaseAtheASpecialALimitAofALiabilityAforA"business"A(personal)ApropertyAonAtheA"resid enceApremises"AtoAaAmaximumAofA$10,000.00. WhatAlimitAisAtheASpecialALimitAofALiabilityAautomaticallyAsetAtoAforApropertyAawayAfromAtheA "residenceApremises"AunderAtheAIncreasedALimitsAonABusinessAPropertyAHOA 04 A12?A- ACORRECTAANSWERSA-60%AofAtheAlimitAofApropertyAonAtheA"residenceApremises."
A 3 A-
ATheArentalAorAholdingAforArentalAofAanA"insuredAlocation"AinApartAasAanAoffice,Aschool,Astudi o,AorAprivateAgarage. 4 A-AAnA"insured"AunderAtheAageAofA 21 AinAaApart-timeAorAoccasionalAself- employedA"business"AwithAnoAemployees. *NoA"bodilyAinjury"AorA"propertyAdamage"AarisingAoutAofAtheArenderingAofAorAfailureAtoArend erAprofessionalAservices. WhatAkindAofAcoveragesAdoesAtheAStructuresARentedAtoAOthersA- AResidenceAPremisesAHOA 04 A 40 AendorsementAprovide?A-ACORRECTAANSWERSA- PropertyA&AliabilityAcoverageAforAanAotherAstructureAthatAisArentedAtoAothersAforAuseAasAaApr ivateAresidence. WhatAcoverageAdoesAPermittedAIncidentalAOccupanciesA- AResidenceAPremisesAHOA 04 A 42 AendorsementAprovide?A-ACORRECTAANSWERSA- PremiseAliabilityAcoverage.A *CoverageAisAprovidedAonlyAonAtheA"residenceApremises." WhatAcoverageAdoesABusinessAPursuitsAHOA 24 A 71 AendorsementAprovide?A- ACORRECTAANSWERSA- LiabilityAcoverageAisAprovidedAforAtheA"business"ApursuitsAofAtheA"insured"AshownAinAtheAsc hedule.AItAprovidesAcoverageAbothAonAandAawayAfromAtheA"residenceApremises." WhatAisAexcludedAunderAtheABusinessAPursuitsAHOA 24 A 71 Aendorsement?A- ACORRECTAANSWERSA- 1 A- ACoverageAforAaA"business"AownedAorAfinanciallyAcontrolledAbyAtheA"insured"AorAbyAaApartn ershipAifAtheA"insured"AisAaApartnerAorAmember. 2 A-AProfessionalAservicesAotherAthanAteaching. 3 A-A"BodilyAinjury"AtoAaAfellowAemployeeAinjuredAduringAtheAcourseAofAemployment. 4 A- ACoverageAforAanA"insured"AwhoAisAaAmemberAofAtheAfacultyAorAteachingAstaffAofAaAschoolAo rAcollegeAforA(1)AliabilityAinvolvingAdraft/saddleAanimals,Aaircraft,Ahovercraft,A"motorAvehicle s",AorAwatercraftAforApurposeAofAinstructionAinAtheirAuseAandA(2)AcorporalApunishment. UnderAtheAPersonalAAutoAPolicy,AwhatAisAtheAdefinitionAofAaAbusiness?A- ACORRECTAANSWERSA-AAtrade,Aprofession,AorAoccupation. SinceArecreationalAvehiclesAareApersonalAproperty,AwhereAwouldApropertyAcoverageAbeApr ovided?A-ACORRECTAANSWERSA-CoverageACA-APersonalAProperty. ForAaArecreationalAvehicleAthatAisAnotArequiredAtoAbeAregistered,ApropertyAcoverageAisAonly AprovidedAforAaAlossAbyAaAcoveredAperilAifAtheArecreationalAvehicleAisAusedAforAwhat?A- ACORRECTAANSWERSA-SolelyAtoAserviceAaAresidence. WhatAisAtheAonlyArecreationalAvehicleAthatAmayAbeAeligibleAforApropertyAcoverageAbyAanAen dorsement?A-ACORRECTAANSWERSA-GolfAcarts.
WhatAtwoAcoverageAoptionsAareAgivenAunderAtheAOwnedAMotorizedAGolfACartAPhysicalALo ssACoverageAHOA 05 A 28 Aendorsement?A-ACORRECTAANSWERSA- 1 A- ADirectAphysicalAlossAincludingAcollision. 2 A-ADirectAphysicalAlossAexcludingAcollision. WhatAisAaA"GolfACart"AdefinedAas?A-ACORRECTAANSWERSA- 1 A- ADesignedAtoAcarryAupAtoA 4 ApeopleAonAaAgolfAcourse. 2 A-AForAtheApurposeAofAplayingAgolf. 3 A-ANotAbuiltAorAmodifiedAtoAgoAfasterAthanA 25 AmilesAperAhourAonAlevelAground. InAregardsAtoAgolfAcarts,AwhatAkindAofApropertyAisAcovered?A-ACORRECTAANSWERSA- PermanentlyAinstalledAaccessories,Aequipment,AorAparts. InAregardsAtoAgolfAcarts,AisAthereAcoverageAforAnon- permanentlyAinstalledAaccessories,Aequipment,AandApartsAthatAareAmadeAsolelyAforAtheAus eAofAgolfAcarts?A-ACORRECTAANSWERSA- Yes;AitAisAprovidedAupAtoA10%AofAtheAhighestALimitAofALiabilityAshownAinAtheASchedule. ThereAisAnoAcoverageAforAaAgolfAcartAifAatAtheAtimeAofAtheAlossAitAwas:A- ACORRECTAANSWERSA- 1 A-ARacing. 2 A-ARentedAtoAothers. 3 A-ACarryingApersonsAorAcargoAforAaAcharge. 4 A-AUsedAforAanyA"business"ApurposeAexceptAwhileAonAaAgolfingAfacility. VandalismAorAmaliciousAmischiefAisAexcludedAwhenAtheAgolfAcartAisAkeptAorAstoredAatAaAloc ationAwhichAisAanyAofAtheAfollowing:A-ACORRECTAANSWERSA- 1 A-AUnoccupied. 2 A-AClosedAforAtheAseason. 3 A-ANotAinAoperationAforAmoreAthanA 60 AconsecutiveAdaysAimmediatelyAbeforeAtheAloss. HowAmuchAisAtheAdeductibleAforAaAgolfAcart?A-ACORRECTAANSWERSA-$500.00. PropertyAmayAnotAprovideAtheAcoverageAneededAbyAclientsAwhenAthereAisAdamageAtoArecr eationalAvehiclesAtheyArentAorAborrowAdueAtoAtheAfollowing:A-ACORRECTAANSWERSA- 1 A- AOnlyAthoseAnotAsubjectAtoAvehicleAregistrationAorAlicensingAthatAareAusedAsolelyAtoAservice AaAresidenceAareAcovered. 2 A-ANamedAperilsAcoverageAonly. 3 A-ADeductible. WhatAareAtheAtwoAconsiderationsAwhenAdeterminingAwhetherAorAnotAdamageAtoAaAborrowe dAorArentedArecreationalAvehicleAisAaAcoveredApropertyAdamageAloss?A- ACORRECTAANSWERSA- 1 A-AAnAinsuredAmustAbeAlegallyAresponsibleAforAtheAloss. 2 A-ATheAdamageAhasAtoAbeAcausedAbyAfire,Asmoke,AorAexplosion.
2 A-ASpeedA- AItAmustAnotAbeAbuiltAorAmodifiedAtoAtravelAmoreAthanA 25 AmilesAperAhourAonAlevelAground. 3 A-ALocationA- ATheA"occurrence"AmustAtakeAplaceAatAoneAofAtheAtwoAspecifiedAlocations.A(1)AWithinAtheAle galAboundariesAofAaAgolfingAfacilityAandAisAparkedAorAstoredAthere,AorAbeingAusedAbyAanAins uredAtoAplayAgolfAorAotherAactivityAallowedAbyAtheAfacility,AtravelAtoAorAfromAanAareaAwhereA" motorAvehicles"AorAgolfAcartsAareAparkedAorAstored,AorAcrossApublicAroadsAatAdesignatedAp ointsAtoAaccessAotherApartsAofAtheAgolfingAfacilityA(2)AWithinAaAprivateAresidentialAcommunit y,AincludingAonAaApublicAroadAonAwhichAaAgolfAcartAcanAlegallyAtravelAifAtheAcommunityAisAsu bjectAtoAtheAauthorityAofAtheApropertyAownersAassociationAANDAanA"insured's"AresidenceAis AlocatedAwithinAtheAcommunity. WhatAcoverageAdoesAtheAOwnedASnowmobileAHOA 24 A 64 AendorsementAprovide?A- ACORRECTAANSWERSA- LiabilityAcoverageAforAanAownedAsnowmobileAwhileAitAisAawayAfromAoneAofAtheAspecifiedA"in suredAlocations." CoverageAEA-APersonalALiabilityA&ACoverageAFA- AMedicalAPaymentsAtoAOthersAisAextendedAtoAtheAsnowAmobileAdescribedAinAtheASchedule. WhatAareAtheAlimitationsAofAtheAOwnedASnowmobileAHOA 24 A 64 Aendorsement?A- ACORRECTAANSWERSA- 1 A- AItAdoesAnotAprovideAcoverageAforAphysicalAdamageAtoAtheAsnowmobile. 2 A- AItAdoesAnotAprovideAcoverageAforAanAinjuryAtoAanA"insured"AorAaAregularAresidentAofAtheAho usehold. 3 A-AItAdoesAnotAprovideAUninsured/UnderinsuredAMotoristsAcoverage. WhatAcoverageAdoesAtheAIncidentalALowAPowerARecreationalAMotorAVehicleALiabilityACov erageAHOA 24 A 13 AendorsementAprovide?A-ACORRECTAANSWERSA- LiabilityAcoverageAforAsomeArecreationalAvehiclesAthatAareAotherwiseAexcludedAwhenAawa yAfromAoneAofAtheAspecifiedA"insuredAlocations." CoverageAEA-APersonalALiabilityA&ACoverageAFA- AMedicalAPaymentsAtoAOtherAisAextendedAtoA"motorAvehicles"AawayAfromAoneAofAtheAspecif iedA"insuredAlocations"AandAmeetAtheAfollowingAtwoArequirements:A(1)ANotAbuiltAorAmodifie dAtoAexceedAaAspeedAofA 15 AmilesAperAhourAonAlevelAgroundA&A(2)ANotAaAmotorizedAbicycle,A motorizedAscooter,AmopedAorAmotorizedAgolfAcartAregardlessAofAitsAspeedAcapacity. WhatAkindAofAendorsementAisAtheAIncidentalALowAPowerARecreationalAMotorAVehicleALiabi lityACoverageAHOA 24 A 13 Aendorsement?A-ACORRECTAANSWERSA-Blanket. WhatAisAtheAPersonalAAutoAPolicyAnotAdesignedAtoAprovideAcoverageAfor?A- ACORRECTAANSWERSA-TheArecreationalAvehicleAexposure. WhileAthereAisAnoAliabilityAcoverageAforAaAvehicleAwithAfewerAthanAfourAwheelsAorAaAvehicleA designedAmainlyAforAuseAoffApublicAroads,AwhatAareAtheAtwoAexceptions?A- ACORRECTAANSWERSA- 1 A-AIfAtheseAvehiclesAareAbeingAusedAinAaAmedicalAemergency.
2 A-AForAaAnon-ownedAgolfAcartAforAotherAthanAbusinessAuse. WhatAcoveragesAcanAtheASnowmobileAPPA 03 A 20 AendorsementAprovide?A- ACORRECTAANSWERSA- 1 A-ALiability. 2 A-AMedicalAPayments. 3 A-AUninsuredAand/orAUnderinsuredAMotoristsA *OtherAthanAcollisionA&AcollisionAcoverages. WhatAisAtheAPassengerAHazardAExclusion?A-ACORRECTAANSWERSA- IfAaApassengerAonAtheAsnowmobileAisAinjured,AthatApersonAmayAbeAableAtoAseekArecoveryAa gainstAtheAownerAand/orAtheAoperatorAofAtheAsnowmobile. DoesAtheASnowmobileAPPA 03 A 20 AendorsementAorAOwnedASnowmobileAHOA 24 A 64 AprovideA broaderAcoverage.A-ACORRECTAANSWERSA- TheASnowmobileAPPA 03 A 20 AendorsementAprovidesAgreaterAcoverageAthanAtheAOwnedASn owmobileAHOA 24 A 64 AendorsementAtoAtheAHomeownersAPolicy. WhatAcoveragesAdoesAtheAMiscellaneousATypeAVehicleAPPA 03 A 23 AendorsementAprovideAf orAownedArecreationalAvehiclesAincludingAall- terrainAvehicles,AgolfAcarts,AmotorAscooters,AandAgoAcarts?A-ACORRECTAANSWERSA- 1 A- ALiability. 2 A-AMedicalAPayments. 3 A-AUninsured/UnderinsuredAMotorists. WhyAwouldAaAclientAneedAaArecreationalAvehicleApolicy?A-ACORRECTAANSWERSA- 1 A- ANeitherAaAPersonalAAutoAPolicyAnorAaAHomeownersAPolicyAautomaticallyAprovidesAsuffici entAcoverageAforAaAclientAwithAaArecreationalAvehicleAexposure. 2 A-ATheAendorsementsAmayAnotAprovideAtheAcoverageAneededAbyAaAclient. 3 A-AAAbetterAoptionAforAaAclientAisAaAseparateARecreationalAVehicleAPolicy. WhatAareAtheASpecialALimitsAofALiabilityAforAwatercraft?A-ACORRECTAANSWERSA- Watercraft,AincludingAitAtrailers,Afurnishings,Aequipment,AandAoutboardAenginesAorAmotorsA isAlimitedAtoA$1,500.00AperAloss. IfAaAclientAhasAaAHomeownersA 5 A- AComprehensiveAFormAPolicy,AwhatAcoverageAisAprovidedAforApersonalAproperty?A- ACORRECTAANSWERSA- 1 A- ATheftAofAwatercraftAthatAoccursAawayAfromAtheA"residenceApremises." 2 A-AWind/hailAwhileAtheAwatercraftAisAnotAinAaAfullAenclosedAbuilding. *OpenAperilsAcoverage. WhatAdoesAaAHomeownersA 5 A-AComprehensiveAFormAPolicyAexclude?A- ACORRECTAANSWERSA- LossAdueAtoAcollision,AotherAthanAcollisionAwithAaAlandAvehicle,Asinking,AswampingAorAstran
2 - ABorrowedAandAnoAhorsepowerAlimitation. 3 A-ANotAcoveredAifAowned. WhenAareAoutboardsAcovered?A-ACORRECTAANSWERSA- 1 A- ARentedAandAregardlessAofAhorsepower. 2 A-ABorrowedAandAregardlessAofAhorsepower. 3 A-AOwnedAandAtotalAhorsepowerAisA 25 AorAlessA(+newlyAacquiredAcoverage). WhatAcoverageAdoesAtheAWatercraftAHOA 24 A 75 AendorsementAprovide?A- ACORRECTAANSWERSA- ForAaAwatercraftAthisAisAexcludedAbecauseAofAitsAtype,Alength,Aand/orAhorsepower,AliabilityAi sAprovided. CoverageAEA-APersonalALiabilityA&ACoverageAFA- AMedicalAPaymentsAtoAOthersAisAextendedAtoAwatercraftAdescribedAinAtheASchedule. WhatAareAtheAlimitationsAofAtheAWatercraftAHOA 24 A 75 Aendorsement?A- ACORRECTAANSWERSA- 1 A- AItAdoesAnotAprovideAcoverageAforAphysicalAdamageAtoAtheAwatercraft. 2 A- AItAdoesAnotAprovideAcoverageAforAanAinjuryAtoAanA"insured"AorAregularAresidentAofAtheAhous ehold. 3 A-AItAdoesAnotAprovideAUninsured/UnderinsuredABoatersAcoverage. TheAPersonalAAutoAPolicyAdoesAnotAprovideAwhatAcoveragesAforAaAwatercraft?A- ACORRECTAANSWERSA- 1 A-APartAAA-ALiabilityAcoverage. 2 A-APartADA-ACoverageAforAdamageAtoAyourAautoAcoverage. WhatAisAaAtrailer?A-ACORRECTAANSWERSA- AAvehicleAdesignedAtoAbeApulledAbyAaAprivateApassengerAauto,Apickup,AorAvan. WhatAisAaAPersonalAUmbrellaAPolicy?A-ACORRECTAANSWERSA- ExcessAliabilityAforAthoseAlossesAthatAareAcoveredAbyAtheAclient'sAHomeownersAPolicy,APer sonalAAutoAPolicy,AWatercraftAPolicy,AorARecreationalAVehicleAPolicy. BroaderAcoverageAisAprovidedAbyAprovidingAprimaryAcoverageAforAlossesAthatAareAnotAcov eredAbyAtheAclient'sAHomeownersAPolicy,APersonalAAutoAPolicy,AWatercraftAPolicyAorARecr eationalAVehicleAPolicy. WhatAisAaAExcessALiabilityAPolicy?A-ACORRECTAANSWERSA- ExcessAliabilityAforAthoseAlossesAthatAareAcoveredAbyAtheAclient'sAHomeownersAPolicy,APer sonalAAutoAPolicy,AWatercraftAPolicy,AorARecreationalAVehicleAPolicy. ItAisAnotAdesignedAtoAprovideAbroaderAcoverage,AandAifAtheAlossAisAnotAcoveredAbyAoneAofAt heApoliciesAlistedAabove,AitAwillAnotAprovideAanyAcoverage. WhatAisAaAHybridAUmbrella/ExcessAPolicy?A-ACORRECTAANSWERSA- AApolicyAthatAisAneitherAaAtrueAUmbrellaAPolicyAnorAaAtrueAExcessALiability.A
BecauseAofAtheAvariancesAinAtheseAtypesAofApolices,AthereAisAnoAabsoluteAasAtoAwhatAisAco veredAandAwhatAisAnotAprovided. WhatAareAunderlyingArequirements?A-ACORRECTAANSWERSA- UnderlyingArequirementsAaddressAbothAtheAtypeAofAunderlyingAinsuranceArequiredAandAthe AminimumAlimitsAthatAareAacceptable. AutoAliabilityA&ApersonalAliabilityAareAtwoAcoveragesAthatAareAtypicallyArequired. WhenArecommendingAaAPersonalAUmbrellaAPolicy,AwhatAneedsAtoAbeAtakenAintoAconsider ation?A-ACORRECTAANSWERSA-AnyArequiredAchangesAtoAtheAunderlyingApolicies. IfAtheArequiredAunderlyingAinsuranceAisAnotAinAforce,AhowAdoesAtheAPersonalAUmbrellaAPoli cyArespond?A-ACORRECTAANSWERSA- ItArespondsAasAifAtheAunderlyingAinsuranceAwasAinAforce. WhatAhappensAifAaAlossAoccursAandAanAunderlyingApolicyAisAnotAinAforceAorAifAaAclient'sAlimit sAareAreducedAtoAlessAthanAtheArequiredAunderlyingAlimits?A-ACORRECTAANSWERSA- TheAclientAbecomesAresponsibleAforAtheAgapAbetweenAtheArequiredAunderlyingAinsuranceA andAtheAcoverageAactuallyAcarried. ForAwatercraftA&ArecreationalAlosses,AifAtheAunderlyingAinsuranceAisAnotAinAforceAatAtheAtim eAofAtheAloss,AcoverageAisAexcluded. WhatAfactorsAcontributeAtoAaAclient'sAgapAinAcoverage?A-ACORRECTAANSWERSA- 1 A- ATheAagencyAdoesAnotAwriteAallAofAtheAunderlyingApolicies. 2 A- ATheAagencyAwritesAallAofAtheAunderlyingAcoverage,AbutAtheAumbrellaAorAexcessApolicyAisAw rittenAwithAaAcarrierAotherAthanAtheAunderlyingAcarrier. 3 A- AInformationAinAtheAagency'sAautomatedAsystemAdoesAnotAclearlyAindicateAthatAthereAisAum brella/excessAcoverageAinAforce. 4 A- ATheAagencyAdoesAnotAreviewAunderlyingApoliciesAandAlimitsAatArenewalAtoAmakeAsureAtheA "underlyingAinsurance"ArequirementsAhaveAbeenAmet. WhatAisASelf-InsuredARetentionA(SIR)?A-ACORRECTAANSWERSA- ItAisAtheAamountAofAaAcoveredAlossAthatAtheAclientAisAresponsibleAforApayingAwhenAtheAPers onalAUmbrellaAPolicyA(orAhybridApolicyAthatAprovidesAbroaderAcoverageAthanAtheAunderlyin gAinsurance)AdropsAdownAtoAprovideAprimaryAcoverage. WhenAisASIRAapplied?A-ACORRECTAANSWERSA- WhenAaAlossAoccursAthatAisAnotArequiredAtoAbeAcoveredAbyAunderlyingAinsuranceAandAtheAl ossAisAcoveredAbyAtheAPersonalAUmbrellaALiabilityApolicy. WhatAdoesAtheASIRAstopAtheAPersonalAUmbrellaALiabilityAPolicyAfromAdoing?A- ACORRECTAANSWERSA-PayingAtheAfirstAdollarAofAanyAclaim. WhatAisAanAagreement?A-ACORRECTAANSWERSA- TheAinsuranceAcompanyAwillAprovideAcoverageAasAlongAasAtheApremiumAisApaidAandAtheAp olicyArequirementsAareAmet.
