C13: Insurance Against Liability-Part 1 study plan

Map the structure of Coverage A by writing out how the insuring agreement's two prongs-bodily injury and property damage-each attach to an occurrence

Distinguish 'bodily injury,' 'property damage,' and 'occurrence' as defined terms and give two fact patterns for each that test the definition's edges

Trace the causal chain from an insured's act to resulting damage and label where 'because of' causation and the occurrence requirement bite

Explain how Coverage A responds to damage to tangible property that is not physically injured, such as loss of use

Apply the four negligence elements to three liability scenarios and identify which element is weakest in each

Classify torts as negligence, intentional, or strict liability and state how each classification changes the coverage analysis

Evaluate the standard defenses-comparative fault, assumption of risk, and statutes of limitation-against a single detailed fact pattern

Determine when a subcontractor's or independent contractor's negligence is imputed to a general contractor

Separate the seven Coverage B offenses into a table with the elements an insured must prove for each

Explain why Coverage B requires offense-based rather than accident-based triggering and identify which offenses need knowledge of falsity

State the three Coverage C conditions for medical payments and explain why fault is irrelevant to the coverage

Contrast Coverage C's scope with Coverage A by listing three exposures covered under one but not the other

Memorize the major Coverage A exclusions by category-expected or intended injury, contractual liability, liquor liability, workers compensation, employer's liability, and pollution-and state the rationale for each

Analyze the care, custody, and control exclusion and the impaired property exclusion against three property damage scenarios

Distinguish the professional services exclusion from the pollution exclusion in terms of what conduct they reach

Explain how the known loss doctrine and the damage-to-your-product exclusion interact with the occurrence requirement

Walk through the CGL conditions-notice, cooperation, voluntary payments, and separation of insureds-and state the consequence of breaching each

Build a timeline diagram contrasting occurrence and claims-made triggers using the same loss facts

Apply the prior knowledge and retroactive date conditions to determine whether a claims-made policy responds

Explain the extended reporting period and how it changes coverage for claims reported after policy expiration

Identify which trigger theory-exposure, manifestation, injury-in-fact, or continuous-applies to a progressive injury claim and explain the consequence for which policies respond

Calculate the per-occurrence limit, general aggregate, products-completed operations aggregate, and each-occurrence limit for a multi-claimant scenario

Distinguish a deductible from a self-insured retention in terms of who controls the claim and when the insured's obligation begins

Apply the restoration of limits and the aggregate cap to a sequence of three losses in one policy period

Compare umbrella and excess liability coverage on drop-down, self-insured retention, and defense obligations

Explain how a professional liability policy differs from a CGL policy in trigger, scope, and the reason for the professional services exclusion

Trace the legal environment of liability insurance by explaining the roles of tort law, contract interpretation, and the reasonable expectations doctrine

Determine how other insurance clauses and primary-excess relationships resolve a loss involving two carriers

Complete two full-length timed practice exams under exam conditions and log every missed question by domain

Re-study the two weakest domains identified by the score log and re-test only those domains

Recite the definitions of occurrence, bodily injury, property damage, personal and advertising injury, and insured contract without notes

Review all previously written deliverables and correct any errors found