Question 23 (2 points) Listen Sammy owns a surf & skate shop insured under a Commercial Package Policy, which provides commercial property coverage (including BPP and Business Income coverage) and commercial general liability (CGL) coverage. The policy is written on causes-of-loss broad form. A fire destroys several skateboards Sammy was repairing for customers. Based on the info above, is the loss covered? No, because Sammy' policy does not include liability coverage. Yes, because Sammy's policy covers property in the care, custody, or control of the business. No, because Sammy's policy does not cover personal property that does not belong to the business. Yes, because Sammy's policy includes liability coverage. Question 24 (2 points) Listen Sammy owns a surf & skate shop insured under a Commercial Package Policy, which provides commercial property coverage (including BPP and Business Income coverage) and commercial general liability (CGL) coverage. The policy is written on causes-of-loss broad form. The CGL policy is written on an occurrence basis. During the policy period, Sammy detains a customer in his office at the shop when he suspects the customer of trying to steal an expensive custom surfboard. Sammy turns out to be wrong and 2 months after the CGL policy expired, the customer sued Sammy for defamation and false imprisonment. Based on the info above, is the loss covered? Yes, because the the claim is valid due to the fact that Sammy was wrong and the customer was not trying to steal the surfboard. No, because the claim was made after the expiration of the CGL policy. Yes, because the CGL policy covers false imprisonment and defamation claims, which are considered personal injury liability claims under Coverage B. No, because the policy excludes coverage for intentional tort liability claims