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CAIB 1 Definitions - Ch. 4, 5
CAIB 1 Definitions - Ch. 4, 5 based on ILS notes
18
Insurance
Professional
08/01/2013

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Term
Criminal Law
Definition
Category of law that deals with wrongs against society (pg 4-3)
Term
Civil Law
Definition
Law that concerns itself with settling disputes between individuals or legal entities in matters not involving a criminal act (pg 4-4)
Term
Plaintiff
Definition
The party making the complaint (suing someone) (pg 4-4)
Term
Defendant
Definition
The party who allegedly committed the wrong (pg 4-4)
Term
Tort
Definition
A wrong done to another in breach of a duty laid down by law (pg 4-5)
Term
Strict Liability
Definition
Doctrine in law in which "a person is guilty until proven innocent" (pg 4-6)
Term
Negligence
Definition
The omission to do what a reasonable man, guided by those ordinary considerations which ordinarily regulare human affairs, would do, or the doing of something which a reasonable and prudent man would not do. Simply defined as carelessness (pg 4-6)
Term
Special Damages
Definition
Damages which can be accurately measured and which are intended to reimburse the plaintiff for out-of-pocket expenses (pg 4-9)
Term
General Damages
Definition
Damages which cannot be exactly determined but which reflect an amount the court believes necessary to compensate the aggrieved party (pg 4-10)
Term
Trespasser
Definition
On another's premises for his/her own purpose without express or implied permission of the occupier. Their presence is of no value to the occupier and viewed as having temporarily appropriated the property for their own use (pg 4-12)
Term
Licensee
Definition
Comes onto the premises for his own purpose but with the occupier's consent. Or, goes upon lands of another with express/implied invitation to transact business with the owner/occupant, or do some act to his/mutual advantage(pg 4-13)
Term
Invitee
Definition
Enters by invitation be it express or implied. His entry is connected with the owner's business or with an activity the owner conducts or permits to be conducted on his land and the is mutual benefit or benefit to the owner (pg 4-13)
Term
Visitor
Definition
Classification giver to a licensee or invitee under provincial Occupier's Liability Act (pg 4-13)
Term
Joint Liability
Definition
When two or three people act together so as to cause injury or damage, they are held to be jointly liable (pg4-15)
Term
Farming
Definition
Ownership, maintenance or use of premises for the production of crops or the raising of livestock, including all necessary operations (pg 5-3)
Term
Custom Farming
Definition
Use of insured's farm machinery or equipment for others away from insured's farm premises for compensation. It dow not include work done for others in return for work done for them (pg 5-7)
Term
Residence Employee
Definition
Duties are exclusively in connection or maintenance and use of the residence premises.
Term
Farm Employee
Definition
Paid for work & hired to perform duties principally connected with farming activities outside insured's dwelling. Or, persons engaged in farm related work on behalf of insured in neighbourly exchange of assistance (pg 5-9)
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