Chapter Fourteen - Knowledge Check - The Royal Alberta College

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1. Question
1) Stuart and Amy host a backyard party at their single-family dwelling. Guests are invited to bring their own alcohol. Jimmy is a neighbour and friend who has been invited, and when he arrives he has already had a few drinks. As everyone is hanging out on the back deck, Jimmy perches himself on the top of the railing. He is a big guy and Stuart is afraid the railing might break.

If it does break and Jimmy falls a few feet to the ground, he could be badly hurt. Stuart asks Jimmy not to sit on the railing because of his concerns, and he also suggests that Jimmy has had enough to drink.

What duty of care does Stuart owe Jimmy? Has the duty been met?
- Jimmy is a visitor to Stuart’s and Amy’s premises. The duty of the occupier is to make sure that the visitor will be reasonably safe while using the premises for the purpose for which they were invited or permitted onto the land. In this case, after determining that keeping Jimmy safe was the duty of care owed, one would consider whether that duty was breached. Should Stuart have done more than ask Jimmy not to sit on the railing? Was the railing in good repair? Did Jimmy’s impaired state contribute to a fall? A court would look at all of these things to determine if the duty of care was met or not.
- Jimmy is a visitor to Stuart’s and Amy’s premises. The duty of the occupier is to make sure that the visitor will be reasonably safe while using the premises for the purpose for which they were invited or permitted onto the land. In this case, after determining that keeping Jimmy safe was the duty of care owed, one would consider whether that duty was breached. Should Stuart have done more than ask Jimmy not to sit on the railing? Was the railing in good repair? Did Jimmy’s impaired state contribute to a fall? A court would look at all of these things to determine if the duty of care was met or not.
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Question 2 of 4

2. Question
Personal liability insurance will protect private individuals against liability
- a) arising from actions anywhere in the world that result in bodily injury or property damage to others
- b) assumed under contract as an occupier of rented premises
- c) arising out of ownership, use, or occupancy of defined premises
- d) all of the above
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Question 3 of 4

3. Question
What is the coverage provided on a Condominium Unit Owners Form under

Coverage J—Loss Assessment. When would an assessment be covered?
- When an assessment is made by a condominium corporation against unit owners, this coverage will protect the condominium unit owner if the assessment is valid up to the policy limit shown on the coverage summary if made necessary by an occurrence to which Coverage E applies.
- When an assessment is made by a condominium corporation against unit owners, this coverage will protect the condominium unit owner if the assessment is invalid up to the policy limit shown on the coverage summary if made necessary by an occurrence to which Coverage D applies.
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Question 4 of 4

4. Question
Which of the following exclusions apply to all coverage sections of the personal liability policy?
- a) Any bodily injury to a person as a result of a hernia injury
- b) Business use of premises
- c) Intentional and unintentional actions of the insured anywhere in the world
- d) Claims resulting from loss of use of property
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Chapter Fourteen – Knowledge Check

Chapter Fourteen – Knowledge Check

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