Please help me to answer the six questions!

1. A cutting tool malfunctioned, injuring its user who then sued the manufacturer. If the manufacturer had occurrence commercial liability coverage every year, which year's coverage would pay the claim?

a. The year the tool was manufactured.

b. The year the tool was sold to the injured user.

c. The year of the injury.

d. The year of the lawsuit.

e. The year of the lawsuit settlement.

2. Which of the following overturned the South-Eastern Underwriters Association decision?

a. TRIA

b. The Appleton Rule

c. Paul v. Virginia

d. McCarran-Ferguson Act

e. Regulation XXX

3. In general, which type of carrier faces the fewest types of liability for the cargo it transports?

a. Trucking companies

b. Railroads

c. Ocean-going vessels

d. Air carriers

e. Pipeline companies

4. On average, which component of workers' compensation claims is largest measured by dollars?

a. Lost wages

b. Health care expenses

c. Death benefits

d. Occupational rehabilitation expenses

e. Personal injury expenses

5. An insurance company for an insurance company is called a(an) ______.

a. Reinsurer

b. Sub-insurer

c. Secondary market insurer

d. Insurance wholesaler

e. Insurance aggregator

6 In commercial insurance policies, the word "commercial" means

a. Property

b. Liability

c. Credit

d. Sales

e. Business