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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 08, 2026
Q & A: 79 Questions and Answers
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IIC C130 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: The Application Process | 10% | - Duty of disclosure - Completing applications - Underwriting considerations |
| Topic 2: Communication and Service Skills | 8% | - Record keeping - Policy changes and endorsements - Client communication |
| Topic 3: Automobile Insurance | 10% | - Provincial variations - Rating and policy issues - Mandatory and optional coverages |
| Topic 4: Property Insurance Exposures | 10% | - Exposures and perils - Small commercial property risks - Personal property risks |
| Topic 5: Property Insurance Wordings | 12% | - Coverages and exclusions - Common policy forms - Valuation methods |
| Topic 6: Claims Handling | 8% | - Claim reporting process - Settlement and subrogation - Broker's role in claims |
| Topic 7: Liability Insurance | 12% | - Commercial general liability - Legal liability concepts - Personal liability coverages |
| Topic 8: Sales and Client Needs | 10% | - Risk identification - Insurance solutions - Client consultation |
| Topic 9: Insurance and the Intermediary | 10% | - Roles of brokers and agents - Licensing and regulation - Legal duties and ethics |
| Topic 10: From Quote to Policy | 10% | - Policy structure and components - Quotation and binding authority - Policy issuance and delivery |
IIC Essential Skills for the Insurance Broker and Agent Sample Questions:
Question #1
What type of automobile insurance endorsement provides coverage for physical damage to a rented vehicle for which the insured has assumed responsibility under contract?
- A. Non-owned automobile
- B. Loss of use
- C. Agreed value of automobiles
- D. Loss of or damage to insured automobile
Correct Answer: A π³οΈ
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Question #2
How much would Company B be required to pay for an insured loss of $200,000 if all three insurers' wordings have a contribution clause?
Insurer | Amount Insured
Company A | $300,000
Company B | $80,000
Company C | $20,000
- A. $20,000
- B. $80,000
- C. $25,000
- D. $40,000
Correct Answer: D π³οΈ
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Question #3
In law, what does the term prescription mean?
- A. Guidelines relating to the acceptability of a class of risk
- B. Committing to an automatic renewal process
- C. Transferring of the rights for action against the responsible party to the insurer
- D. Limited time after which a cause of action ceases
Correct Answer: D π³οΈ
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Question #4
What is an agent's consideration when assessing a potential client and the client's attitude towards risk?
- A. People's habits are unrelated to their level of risk.
- B. Clients who lead riskier lives are good sources of profit for insurance brokers.
- C. People have the same acceptance of risk.
- D. Availability of insurance coverage may be affected by the client's lifestyle.
Correct Answer: D π³οΈ
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Question #5
The insurance industry is entering a hard market as a result of losses arising from extreme weather. Megan, a broker, has been advised by the North American Fire and Casualty Company that it will be increasing its homeowner policy rates by 25 percent, effective immediately.
How should Megan deliver the bad news to her client Mr. Robertson, a widower living on a fixed pension?
How will she communicate with her client and what outcomes will Megan work towards?
Correct Answer:
See the solution in Explanation below:
Explanation:
Megan should deliver the bad news clearly, respectfully, and with empathy, but she should not hide or soften the facts so much that Mr. Robertson misunderstands the situation. She should contact him personally, preferably by telephone or in person, because he is a widower on a fixed pension and the premium increase may cause financial stress. Her tone should be calm, professional, and supportive. She should explain that the increase is not personal to him alone; it is connected to a hard insurance market caused by higher expected future losses from extreme weather. Premiums are determined by statistical predictions of future losses and tend to increase during a hard market.
Megan should use active listening. This means she should allow Mr. Robertson to express frustration, ask questions, and explain his financial concerns. Active listening includes interpreting verbal and non-verbal cues, not simply giving a one-way explanation. She should avoid blaming the insurer or making promises she cannot keep. She should also avoid using technical language without explanation. Instead, she should explain the reason for the increase in plain language: insurers are paying more claims from weather-related losses, repair costs are rising, and insurers are tightening rates and underwriting rules.
The outcomes Megan should work toward are fairness, understanding, and a practical coverage solution. First, she should make sure Mr. Robertson understands why the premium increased. Second, she should review his policy to see whether the coverage still fits his needs. Third, she can explore options to reduce the premium, such as increasing the deductible, reviewing dwelling values, removing unnecessary optional endorsements, checking eligibility for discounts, improving risk-control features, or remarketing the policy to another insurer if appropriate. However, she must not recommend cutting essential coverage just to make the premium cheaper. That would expose Mr. Robertson to underinsurance and expose Megan to errors and omissions risk.
After discussing the options, Megan should clearly explain the consequences of each choice. If Mr. Robertson chooses a higher deductible, he must understand he will pay more out of pocket after a loss. If he removes optional coverage, he must understand what losses will no longer be insured. If he keeps the policy as issued, he must understand the new premium and payment requirements. Megan should document the conversation, confirm the client's decision in writing, and remind him to review the policy documents for accuracy. A broker's policy communication should include a reminder for the insured to review policy documents carefully.
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