CIP C13 EXAM WITH CORRECT ACTUAL
QUESTIONS AND CORRECTLY WELL
DEFINED ANSWERS LATEST ALREADY
GRADED A+ 2025 – 2026
Exclusions for Bodily Injury and Property Damage -
ANSWERS-Think of these three categories for exclusions:
1. Subject of other insurance (WSIB for example)
2. Intentional criminal activity
3. Contractual liability
- automobile ownership and maintenance
- when there is coverage under another insurance policy,
such as WSIB
- when the damage is the result of a product recall
- most liability resulting from professional services
Coverage B of CGL Policy - ANSWERS-Personal and
Advertising Injury Liability
,What does coverage B cover? - ANSWERS-1. False arrest,
detention, or imprisonment
2. Malicious prosecution
3. Wrongful eviction from, wrongful entry into, or invasion
of the right of private occupancy of a room, dwelling, or
premises that a person occupies
4. Oral or written publication, in any manner, of material
that slanders (oral) or libels (written) a person or
organization or disparages a person's or organization's good,
products, or services
5. Oral or written publication, in any manner, of material
that violates a person's right of privacy
6. Use of another's advertising idea in the insured's
"advertisement"
7. Infringing upon another's copyright, trade dress, or slogan
in the insured's "advertisement"
** Means injury other than bodily injury (personal injury
DOES NOT equal bodily injury)
Certain exclusions specific to coverage B - ANSWERS--
Material published with knowledge of its falsity
,- Material published prior to the policy period
- Criminal acts
- Contractual liability
- Wrong description of price
- Infringement of copyright, patent, trademark or trade
secret or other intellectual property rights
Criminal law vs civil law - ANSWERS-Criminal: Codified law,
statute law (criminal code or minor statute law). Serious
offences, or quasi-crimes, such as speeding
- Looking to establish or determine guilt
- Punishment or imprisonment
- Burden of proof is high
Civil: Disputes brought forward to a court amongst private
individuals. Seeking compensation for damage or injury
caused to you by another individual. Not necessarily coded
law
- Focused on fault, who is at fault? Who is liable?
- Focused on compensating the party who has suffered
damage or injury
- Standard of proof not as high
, What are the two civil law systems in Canada? - ANSWERS-
Common Law
QC Civil Code
Purpose of the Civil Code - ANSWERS-To interpret the law,
NOT to make the law
Purpose of Common Law - ANSWERS-Interprets a mix of
statute law and case law (precedent law)
Precedent Law - Hierarchy of Precedent? - ANSWERS-Statute
law supersedes case law
Decisions of higher courts over lower courts
Decisions from your province/territory will carry more
weight than those from elsewhere (courts can still look to
other provinces but your province takes precedence)
Supreme Court - ANSWERS-Highest court in Canada
In order to get your case there, they have to consent to hear
it, by considering if your case deals with something of
national importance
QUESTIONS AND CORRECTLY WELL
DEFINED ANSWERS LATEST ALREADY
GRADED A+ 2025 – 2026
Exclusions for Bodily Injury and Property Damage -
ANSWERS-Think of these three categories for exclusions:
1. Subject of other insurance (WSIB for example)
2. Intentional criminal activity
3. Contractual liability
- automobile ownership and maintenance
- when there is coverage under another insurance policy,
such as WSIB
- when the damage is the result of a product recall
- most liability resulting from professional services
Coverage B of CGL Policy - ANSWERS-Personal and
Advertising Injury Liability
,What does coverage B cover? - ANSWERS-1. False arrest,
detention, or imprisonment
2. Malicious prosecution
3. Wrongful eviction from, wrongful entry into, or invasion
of the right of private occupancy of a room, dwelling, or
premises that a person occupies
4. Oral or written publication, in any manner, of material
that slanders (oral) or libels (written) a person or
organization or disparages a person's or organization's good,
products, or services
5. Oral or written publication, in any manner, of material
that violates a person's right of privacy
6. Use of another's advertising idea in the insured's
"advertisement"
7. Infringing upon another's copyright, trade dress, or slogan
in the insured's "advertisement"
** Means injury other than bodily injury (personal injury
DOES NOT equal bodily injury)
Certain exclusions specific to coverage B - ANSWERS--
Material published with knowledge of its falsity
,- Material published prior to the policy period
- Criminal acts
- Contractual liability
- Wrong description of price
- Infringement of copyright, patent, trademark or trade
secret or other intellectual property rights
Criminal law vs civil law - ANSWERS-Criminal: Codified law,
statute law (criminal code or minor statute law). Serious
offences, or quasi-crimes, such as speeding
- Looking to establish or determine guilt
- Punishment or imprisonment
- Burden of proof is high
Civil: Disputes brought forward to a court amongst private
individuals. Seeking compensation for damage or injury
caused to you by another individual. Not necessarily coded
law
- Focused on fault, who is at fault? Who is liable?
- Focused on compensating the party who has suffered
damage or injury
- Standard of proof not as high
, What are the two civil law systems in Canada? - ANSWERS-
Common Law
QC Civil Code
Purpose of the Civil Code - ANSWERS-To interpret the law,
NOT to make the law
Purpose of Common Law - ANSWERS-Interprets a mix of
statute law and case law (precedent law)
Precedent Law - Hierarchy of Precedent? - ANSWERS-Statute
law supersedes case law
Decisions of higher courts over lower courts
Decisions from your province/territory will carry more
weight than those from elsewhere (courts can still look to
other provinces but your province takes precedence)
Supreme Court - ANSWERS-Highest court in Canada
In order to get your case there, they have to consent to hear
it, by considering if your case deals with something of
national importance
