AIC 32 LIABILITY CLAIMS EXAMINATION TEST
2026 FULL QUESTIONS AND CORRECT
ANSWERS
◉3rd party claim . Answer: A demand against an insured by a person or
organization other than the insured or the insurer, seeking to recover
damages that may be payable by the insured'/ liability insurance.
◉Consent to settle clause . Answer: An insurance policy provision
usually found only in professional liability policies, that requires that the
insurer to obtain consent from the insured before settling a claim.
◉CGL Policy . Answer: Policy that combines coverage for personal
injuries and advertising injury.
◉Employment practices liability . Answer: Insurance that covers an
organization, it's directors and officers and it's employees against claims
alleging damages because of wrongful employment practices such as
sexual harassment, wrongful termination, and unlawful discrimination.
◉Civil Rights Act of 1964 . Answer: Discrimination in employment
because of race, color, religion, sex or national origin or on the basis of
pregnancy, childbirth, or related medical conditions.
, ◉Equal Pay Act of 1963 . Answer: Law prohibits differences in pay
between women and men for substantially the same work
◉Age discrimination in employment act . Answer: Law prohibits
discrimination by employers against any individual with respect to
hiring, terminations, promotions, and demotions, compensation, and the
terms and conditions of employment on the basis of age when a worker
is 40 years or older
◉Americans with disabilities act . Answer: Law prohibits workplace
discrimination against workers with disabilities and requires employers
to ale reasonable accommodations in the workplace for workers with
disabilities
◉Civil rights act . Answer: Law amends and strengthens the civil rights
act and age discrimination in employment act while also imposing caps
on compensatory and punitive damages
◉Family medical leave act . Answer: Law permits employees to take
an expanded period of leave without losing their jobs. It privies up to 12
weeks without pay for purposes of handling family and medical leave
including pregnancy, childbirth, and adoption.
◉Quid Pro Quo . Answer: A practice whereby an employer dame ads
or expects sexual favors in exchange for continued employment,
workplace advancements, or other job related benefits.
2026 FULL QUESTIONS AND CORRECT
ANSWERS
◉3rd party claim . Answer: A demand against an insured by a person or
organization other than the insured or the insurer, seeking to recover
damages that may be payable by the insured'/ liability insurance.
◉Consent to settle clause . Answer: An insurance policy provision
usually found only in professional liability policies, that requires that the
insurer to obtain consent from the insured before settling a claim.
◉CGL Policy . Answer: Policy that combines coverage for personal
injuries and advertising injury.
◉Employment practices liability . Answer: Insurance that covers an
organization, it's directors and officers and it's employees against claims
alleging damages because of wrongful employment practices such as
sexual harassment, wrongful termination, and unlawful discrimination.
◉Civil Rights Act of 1964 . Answer: Discrimination in employment
because of race, color, religion, sex or national origin or on the basis of
pregnancy, childbirth, or related medical conditions.
, ◉Equal Pay Act of 1963 . Answer: Law prohibits differences in pay
between women and men for substantially the same work
◉Age discrimination in employment act . Answer: Law prohibits
discrimination by employers against any individual with respect to
hiring, terminations, promotions, and demotions, compensation, and the
terms and conditions of employment on the basis of age when a worker
is 40 years or older
◉Americans with disabilities act . Answer: Law prohibits workplace
discrimination against workers with disabilities and requires employers
to ale reasonable accommodations in the workplace for workers with
disabilities
◉Civil rights act . Answer: Law amends and strengthens the civil rights
act and age discrimination in employment act while also imposing caps
on compensatory and punitive damages
◉Family medical leave act . Answer: Law permits employees to take
an expanded period of leave without losing their jobs. It privies up to 12
weeks without pay for purposes of handling family and medical leave
including pregnancy, childbirth, and adoption.
◉Quid Pro Quo . Answer: A practice whereby an employer dame ads
or expects sexual favors in exchange for continued employment,
workplace advancements, or other job related benefits.
