10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
These 10 free CRIS questions are organized by exam domain, so you can see how each part of the Construction Risk and Insurance Specialist blueprint is tested. Reveal the answer and explanation under each question.
An employee driving her own car to collect fasteners for a contractor injures a pedestrian, who sues both the employee and the contractor. The contractor's business auto policy uses ISO CA 00 01 11 20, with liability symbol 9 and no Employees As Insureds endorsement. Assuming all other liability coverage conditions are met, which parties qualify as insureds under this policy?
Correct answer: C - The contractor is insured, but the employee-owner is not.
The surety has paid an eligible material supplier under a contractor's payment bond. An enforceable indemnity agreement applies to that payment, and no release applies. The contractor's controller argues that the bond premium was the price of transferring the loss to the surety. Which statement corrects that misunderstanding?
Correct answer: B - The contractor remains responsible for reimbursing the surety's claim payment.
Eight months after a building is completed, a sprinkler subcontractor's defective joint leaks and damages drywall installed by the general contractor's own employees. The general contractor's CGL uses ISO CG 00 01 04 13, with the subcontractor exception to the 'your work' exclusion intact. Assume an occurrence and satisfaction of all other coverage requirements. How does that exclusion apply to the drywall damage?
Correct answer: B - Its subcontractor exception applies because a subcontractor's work caused the damage, regardless of who installed the drywall.
The subcontract was signed in 2023, and the roof was installed in 2024. A forensic investigation establishes that all resulting physical water damage occurred during a storm in November 2025. The owner discovered the damage and made a claim in 2026. The contractor carried successive calendar-year occurrence CGL policies. Assume no prior-knowledge, notice, or other coverage issue. Which year controls the property-damage trigger?
Correct answer: C - 2025, when the physical damage to the owner's property occurred.
One construction agreement contains two promises: indemnify the owner for its tort liability to injured third parties, and pay a fixed sum for each day of late completion. The agreement is enforceable and signed before work begins. The contractor's CGL retains the insured-contract exception for assumed tort liability and requires bodily injury or property damage. A pedestrian is later injured; a separate scheduling failure causes delay without injury, property damage, or loss of use. How should the two obligations be distinguished?
Correct answer: A - The injury indemnity may fit the exception; the delay payment lacks the required injury or damage.
A compliance reviewer rejects an additional-insured endorsement because the owner is not listed by name. The construction contract permits automatic coverage and requires protection during ongoing and completed operations. Both parties signed before work started. The issued blanket endorsement adds parties the contractor must insure under a written agreement signed before operations begin; its operations scope, limits, and coverage period match the contract. How should the broker address the objection?
Correct answer: D - Accept the verified automatic coverage and retain the contract and endorsement as evidence.
The owner purchased a chiller, but the HVAC subcontractor must replace it if it is damaged before acceptance. The project's builders risk covers materials only after they arrive at the jobsite. The subcontractor's equipment policy covers reusable construction machinery, not property awaiting permanent installation. Before delivery, the chiller will spend two weeks in an offsite warehouse. Which arrangement addresses the subcontractor's exposure during storage and transit?
Correct answer: B - Arrange an installation floater covering the chiller, the subcontractor's interest, temporary storage, and transit.
Fire damages a contractor's warehouse. At the time of loss, the building's replacement cost is $2 million and its actual cash value is $1.5 million. The policy has a $1.2 million limit, 80% coinsurance on replacement-cost values, and a $5,000 deductible. All replacement-cost settlement conditions are satisfied, and covered repairs cost $160,000. Apply [limit ÷ (applicable property value × 80%)] to the repair cost, then subtract the deductible. With no other adjustments, how much is payable?
Correct answer: A - $115,000
At renewal, a contractor's experience modification factor rises from 0.82 to 0.94 while its total workers compensation premium falls. No other pricing information is available. What do these figures establish?
Correct answer: D - Its experience-rating credit narrowed; other pricing inputs can explain the lower total premium.
An injured carpenter collects workers compensation benefits and sues the saw manufacturer. The manufacturer then seeks contribution from the carpenter's employer for alleged negligent supervision. State law permits this claim, and the employer did not assume the manufacturer's liability by contract. Where should the employer's insurance review focus for this third-party-over demand?
Correct answer: A - Part Two - Employers Liability Insurance.
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