Chapter 9 - C13 Insurance Against Liability – Part 1 Download

STUDY 9 – Miscellaneous Liability Coverages.pdf  View or Download

Terms	Definitions
Why is the garage liability policy seldom used today?	When the C.G.L. policy wording was overhauled, garage liability coverage was provided by endorsing the C.G.L. with the garage liability extension endorsement.
What risks is a garage operator exposed to and how is coverage provided?	Premises, products and completed operations exposures. Full details of each exposure must be reported for consideration.
What activities are carried out by workers' compensation boards?	Boards administer compensation to injured workers. They also are active in rehabilitation programs for disabled workers and accident prevention.
What kinds of exposure are covered by employers' liability insurance?	If an employee is injured in the course of employment and the injured party could successfully recover damages if the employer is found negligent.
How can employers protect themselves against costs arising out of injury to their employees?	The two principal methods are worker's compensation statutes and employers' liability coverage.
What must an employee do to collect under the voluntary compensation for employees?	They are required to release the employer from any legal liability claims under common law.
When is employers' liability insurance required even if the employee is eligible under the provincial workers' compensation act?	There are occasions when an employee is temporarily working outside of their home jurisdiction. E.g. work travel.
Other than tenants' legal liability insurance what kind of policy is likely to cover the same exposure?	Personal liability coverage also covers the perils of fire, smoke, explosion and water damage.
What is bailees coverage and how is it handled?	Bailees are businesses that accepted their customer's goods to store or work on them. E.g. laundries, dry cleaners, storage depots. They have a legal liability for the goods in their custody but are not liable for every lost. They are protected against acts of god.
How is personal liability insurance generally sold?	They are generally sold as part of a residential package policy such as a homeowners condominium unit owners or tenants policy.
What are four coverages under the personal liability policy?	Personal liability, premises liability, tenant's legal liability, employer's liability.
What two extensions of coverage are offered under the personal liability policy?	Voluntary medical payments (unintentionally injures another) and Voluntary Payment for Damage to Property (reimburse for direct property damage caused by intentionally by a minor under the age of 12)
What type of vehicles are covered under the personal liability policy?	Motor vehicles such as lawn mowers, snow blowers, golf carts, motorized wheelchairs.
What is the farmers' personal liability policy designed to cover?	It is especially designed to cover the exposure of a farm in addition to personal activities.