1|Page
CAIB 3 EXAM LATEST 2026-2027 ACTUAL EXAM WITH COMPLETE
QUESTIONS AND CORRECT DETAILED ANSWERS (100% VERIFIED
ANSWERS) |ALREADY GRADED A+| ||PROFESSOR VERIFIED||
||BRANDNEW!!!||
Describe the doctrine of negligence. - ANSWER-Doctrine of
negligence places a duty on all people to use due care in their
interactions with others from which injury may result
What are three conditions required before negligence can be
proven. - ANSWER-I) Defendant owed the plaintiff a legal duty of
care
ii) Duty was breached as a result of defendant's negligence
iii) Plaintiff suffered damages as a proximate result of the
defendant's negligence
Courts do not expect perfection of defendants. What will courts
use as a measurement of a defendant's actions? - ANSWER-
Courts will compare defendant's actions with that of a reasonable
man
,2|Page
Defendants can be held strictly liable. Usually, people are
innocent until proven guilty. This changes with strict liability.
Explain strict liability. - ANSWER-When certain actions are
hazardous, courts may assume defendants are guilty until they
can prove themselves innocent
Why might strict liability be imposed by courts? - ANSWER-
Courts impose strict liability on those who are in the best position
to control losses arising from hazardous activities
List three examples of operations that may impose strict liability. -
ANSWER-i) Using explosives
ii) Lightning fires
iii) Operating aircraft
When clients have questions regarding the law, what should
brokers advise? - ANSWER-Refer Clients to a proper legal
professional
,3|Page
When will people be considered occupiers? - ANSWER-People
are considered occupiers when they control premises. Occupiers
admit and exclude entry of others to the premises
Occupiers' Liability Acts increase duty of care on occupiers. What
is this duty of care? - ANSWER-Occupiers Liability Acts impose
common duty on all occupiers to keep visitors reasonably safe
when using premises for which they were invited, permitted by
law to use premises or permitted by occupier to use premises
According to Occupiers' Liability Acts, who are two persons not
owed this duty care? - ANSWER-i) Visitors who willing accept
risks ii) Trespassers
What are two activities which could result in trespassers
successfully suing occupiers? - ANSWER-i) Setting traps for
trespassers
ii) Intentionally harming trespassers
In common law, independent contractors are responsible for their
own torts. For occupiers to avoid torts of independent contractors,
, 4|Page
what must occupiers prove? - ANSWER-i) They must show that
reasonable care was used when selecting independent
contractors
ii) Work that was requested to be completed, was reasonable
work
What are three circumstances where occupiers may be held
responsible for negligence of independent contractors? -
ANSWER-i) When work being performed by independent
contractors was inherently dangerous
ii) When loss is caused by defective equipment, machinery or
supplies provided by occupier
iii) When occupier (principal) controls independent contractor's
performance of work
When may landlords be held responsible for injuries in single
occupancy buildings? - ANSWER-Landlords of single occupancy
buildings may be liable for injuries when they were aware of
dangerous conditions which existed when lease was signed.
Landlords may also be liable when they agree to maintain
CAIB 3 EXAM LATEST 2026-2027 ACTUAL EXAM WITH COMPLETE
QUESTIONS AND CORRECT DETAILED ANSWERS (100% VERIFIED
ANSWERS) |ALREADY GRADED A+| ||PROFESSOR VERIFIED||
||BRANDNEW!!!||
Describe the doctrine of negligence. - ANSWER-Doctrine of
negligence places a duty on all people to use due care in their
interactions with others from which injury may result
What are three conditions required before negligence can be
proven. - ANSWER-I) Defendant owed the plaintiff a legal duty of
care
ii) Duty was breached as a result of defendant's negligence
iii) Plaintiff suffered damages as a proximate result of the
defendant's negligence
Courts do not expect perfection of defendants. What will courts
use as a measurement of a defendant's actions? - ANSWER-
Courts will compare defendant's actions with that of a reasonable
man
,2|Page
Defendants can be held strictly liable. Usually, people are
innocent until proven guilty. This changes with strict liability.
Explain strict liability. - ANSWER-When certain actions are
hazardous, courts may assume defendants are guilty until they
can prove themselves innocent
Why might strict liability be imposed by courts? - ANSWER-
Courts impose strict liability on those who are in the best position
to control losses arising from hazardous activities
List three examples of operations that may impose strict liability. -
ANSWER-i) Using explosives
ii) Lightning fires
iii) Operating aircraft
When clients have questions regarding the law, what should
brokers advise? - ANSWER-Refer Clients to a proper legal
professional
,3|Page
When will people be considered occupiers? - ANSWER-People
are considered occupiers when they control premises. Occupiers
admit and exclude entry of others to the premises
Occupiers' Liability Acts increase duty of care on occupiers. What
is this duty of care? - ANSWER-Occupiers Liability Acts impose
common duty on all occupiers to keep visitors reasonably safe
when using premises for which they were invited, permitted by
law to use premises or permitted by occupier to use premises
According to Occupiers' Liability Acts, who are two persons not
owed this duty care? - ANSWER-i) Visitors who willing accept
risks ii) Trespassers
What are two activities which could result in trespassers
successfully suing occupiers? - ANSWER-i) Setting traps for
trespassers
ii) Intentionally harming trespassers
In common law, independent contractors are responsible for their
own torts. For occupiers to avoid torts of independent contractors,
, 4|Page
what must occupiers prove? - ANSWER-i) They must show that
reasonable care was used when selecting independent
contractors
ii) Work that was requested to be completed, was reasonable
work
What are three circumstances where occupiers may be held
responsible for negligence of independent contractors? -
ANSWER-i) When work being performed by independent
contractors was inherently dangerous
ii) When loss is caused by defective equipment, machinery or
supplies provided by occupier
iii) When occupier (principal) controls independent contractor's
performance of work
When may landlords be held responsible for injuries in single
occupancy buildings? - ANSWER-Landlords of single occupancy
buildings may be liable for injuries when they were aware of
dangerous conditions which existed when lease was signed.
Landlords may also be liable when they agree to maintain
