C13: Insurance Against Liability—Part 1

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Please note that the final examination for this course is a computer-based exam.

To understand liability insurance, you must first know something of the law and the Canadian legal system and the differences between the common law and the Civil Code of Québec. Insurance Against Liability—Part 1 is not a law course, but it does introduce you to those legal principles that affect liability insurance. It discusses some of the more common ways people become liable to each other and explains how this liability may be insured or why it cannot be insured. Insurance Against Liability—Part 1 is one of the building blocks of your CIP Program. We recommend you take C12: Insurance on Property and C14: Automobile Insurance—Part 1 first.

Course Outline

Introduction to Liability Insurance

Negligence: The ABC Rule (Common Law)

Defences Against Negligence in Common Law

Quebec: Extra-Contractual Liability

Quebec: Defences Against Extra-Contractual Liability3

General Legal Principles

Products Liability and Its Effects

Standard CGL Policy

Declarations Page; Other Employers Liability Coverages

Emerging Trends in Liability Insurance

Change of final examination format for C13: Insurance Against Liability—Part 1

Effective April 2024, the final exam for CIP course C13 will have the following format:

• Number and type of questions: 100 multiple choice questions (200 marks)

• Format: Combination of knowledge-based and scenario-based multiple-choice questions

• Duration: 2 hours (120 minutes)

The exam will no longer include constructed response questions.

For further information, please see:

• The Exam format page at www.insuranceinstitute.ca

• The updated C13 exam blueprint, available to registered students and instructors in the learning management system beginning in January 2024

Who Should Register

All insurance courses offered by The Insurance Institute are designed for individuals who want to attain a highly recognized and respected professional designation in the p&c industry. The professional designation Chartered Insurance Professional (CIP) is recognized across Canada and elsewhere around the world as the benchmark of insurance professionalism.

Insurance Against Liability—Part 1 is for industry professionals, including brokers and agents, underwriters and adjusters, who want a comprehensive p&c education and the skills and knowledge required to advance their careers.