C13: Insurance Against Liability-Part 1 case studies
C13: Insurance Against Liability-Part 1 · Put your knowledge to work in context.
C13: Insurance Against Liability-Part 1 is a liability-insurance exam within the Chartered Insurance Professional (CIP) designation pathway, the credential series offered through the Insurance Institute of Canada for people building careers in property and casualty underwriting, claims, broking, and agency work. This first liability paper builds the foundation the later parts assume: how legal liability arises from negligence and other torts, which defences reduce or defeat a claim, and how a commercial general liability policy responds. The exam walks through Coverage A (bodily injury and property damage), Coverage B (personal and advertising injury), and Coverage C (medical payments), then turns to exclusions, conditions, definitions, and common endorsements. It closes with occurrence versus claims-made triggers, an introduction to umbrella, excess, and professional coverages, and the mechanics of limits, deductibles, and self-insured retentions. The C13: Insurance Against Liability-Part 1 case studies are 5 cases and about 2,615 words.
1The Collapsing Warehouse and the Late Notice
Meridian Fabrication owns a leased warehouse in Ohio. Its CGL policy is written on an occurrence basis with a 1,000,000 each-occurrence limit, a 2,000,000 general aggregate, and a $5,000 per-claim deductible for bodily injury.
540 words, about 3 min2The Faulty Workmanship Dispute
Summit Ridge Contracting builds a 40-unit apartment complex under a 9 million contract. It carries a CGL policy with a 2,000,000 each-occurrence limit and a 25,000 self-insured retention.
529 words, about 3 min3The Advertising Injury and the Rival's Lawsuit
Northline Analytics publishes software reviews. In a paid social media campaign, it states that competitor Vantage Systems "has been sued for fraud three times and its CEO was fired for misconduct." Both statements are false.
508 words, about 3 min4The Claims-Made Trap
Clearwater Engineering designs water treatment systems. On January 10, 2022, it completes a design for a municipal plant.
515 words, about 3 min5The Umbrella That Sits Above the SIR
Harbor Logistics operates a fleet of delivery trucks and a warehouse. Its primary CGL policy has a 1,000,000 each-occurrence limit, a 2,000,000 aggregate, and a 100,000 self-insured retention for bodily injury.
523 words, about 3 min