A GL policy evidence package excludes owned-auto claims, and a company truck accident occurs. What coverage area should be reviewed?
Correct Answer
D) Commercial auto.
Vehicle accidents involving company trucks generally require commercial auto coverage review.
Why This Is the Correct Answer
Vehicle accidents involving company trucks generally require commercial auto coverage review.
Why the Other Options Are Wrong
Option A: Workers' compensation for third-party vehicle damage.
Workers' compensation for third-party vehicle damage. belongs to a different file or record trail; it does not prove the commercial auto insurance event.
Option B: Builder risk for the parked vehicle struck by the truck.
Builder risk for the parked vehicle struck by the truck. belongs to a different file or record trail; it does not prove the commercial auto insurance event.
Option C: General liability after the owned-auto exclusion is applied.
General liability after the owned-auto exclusion is applied. belongs to a different file or record trail; it does not prove the commercial auto insurance event.
Memory Technique
Administrative proof for Routing Company: event, approval, receipt, follow-up.
Reference Hint
Study anchor (closed-book): memorize cited employment duty from CSLB 2026 Law Book; CSLB workers' compensation guidance; California. / CSLB Law Book insurance study concepts; know the rule or calculation trigger without relying on exam-room lookup.
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