IIC C130 : Essential Skills for the Insurance Broker and Agent
- Exam Code: C130
- Exam Name: Essential Skills for the Insurance Broker and Agent
- Updated: Oct 04, 2026
- Q & A: 79 Questions and Answers
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IIC C130 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Automobile Insurance | 10% | - Provincial variations - Rating and policy issues - Mandatory and optional coverages |
| Topic 2: The Application Process | 10% | - Completing applications - Underwriting considerations - Duty of disclosure |
| Topic 3: From Quote to Policy | 10% | - Quotation and binding authority - Policy structure and components - Policy issuance and delivery |
| Topic 4: Insurance and the Intermediary | 10% | - Licensing and regulation - Legal duties and ethics - Roles of brokers and agents |
| Topic 5: Liability Insurance | 12% | - Commercial general liability - Personal liability coverages - Legal liability concepts |
| Topic 6: Sales and Client Needs | 10% | - Risk identification - Client consultation - Insurance solutions |
| Topic 7: Communication and Service Skills | 8% | - Record keeping - Policy changes and endorsements - Client communication |
| Topic 8: Property Insurance Exposures | 10% | - Personal property risks - Small commercial property risks - Exposures and perils |
| Topic 9: Claims Handling | 8% | - Settlement and subrogation - Claim reporting process - Broker's role in claims |
| Topic 10: Property Insurance Wordings | 12% | - Common policy forms - Valuation methods - Coverages and exclusions |
IIC Essential Skills for the Insurance Broker and Agent Sample Questions:
Briefly discuss the liability exposures that arise from the ownership of animals.
Reveal Solution Discussion 0Correct Answer:
See the solution in Explanation below:
Explanation:
Animal ownership creates liability exposure because the owner may be held legally responsible if the animal injures another person or damages another person's property. The most common exposure is bodily injury, such as a dog bite, a scratch, a person being knocked down, or an injury caused when someone tries to avoid the animal. There may also be property damage exposure, for example if an animal damages a neighbour's fence, garden, livestock, vehicle, or personal property. The level of risk depends on the type, breed, size, temperament, training, and past behaviour of the animal. If the owner knew, or should have known, that the animal had aggressive or dangerous tendencies, the liability exposure becomes more serious. Owners are expected to take reasonable precautions, such as restraining the animal, using leashes, maintaining fences, posting warnings where appropriate, and complying with municipal bylaws. From an insurance perspective, personal liability coverage may respond to accidental injury or damage caused by pets, but insurers may restrict or exclude certain animals, breeds, commercial animal activities, or known dangerous animals.
A building valued at $500,000 is insured under a homeowners policy with a guaranteed replacement cost provision. If the building suffers a total fire loss, under what circumstances would the insurer pay the full cost of rebuilding, even if it cost $725,000?
- A. The insured notified the insurer 115 days after the building improvements have been completed.
- B. The amount of insurance under the policy was 85 percent of the replacement cost at last valuation.
- C. The amount insured was 100 percent of the replacement cost at last valuation.
- D. The increased cost of replacement was due to a change in the potential occupancy of the building.
Correct Answer: C 🗳️
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Marsha, a broker, receives a call from a frustrated client regarding their increasing premium. How should she explain the increase to the client?
- A. Premiums are determined by statistical predictions of future losses and they increase during a hard market.
- B. Premiums are determined by statistical predictions of past losses and they increase during a soft market.
- C. Premiums are determined by statistical predictions of past losses and they increase during a hard market.
- D. Premiums are determined by statistical predictions of future losses and they increase during a soft market.
Correct Answer: A 🗳️
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Insurance is based on the existence of which factor?
- A. Premium
- B. Risk
- C. Tortfeasors
- D. Absolute liability
Correct Answer: B 🗳️
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Regarding the duty of disclosure, what is required to comply with the principle of utmost good faith?
- A. The intermediary is required to withhold disclosure of pertinent information if the client asks the broker to do so.
- B. Full disclosure of material information is required of the applicant.
- C. The broker or agent determines whether the information is material to the risk and discloses information accordingly, on behalf of the insured.
- D. The applicant has a duty to disclose all relevant and irrelevant facts.
Correct Answer: B 🗳️
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