Certified Insurance Counselor (CIC) Commercial Casualty Practice Test 2026 - Free CIC Practice Questions and Study Guide

The common law doctrine of assumption of risk refers to a legal principle where individuals recognize and accept the potential dangers associated with a particular activity or situation, particularly in the context of employment. In this situation, when an employee willingly participates in a job that they know carries certain risks, they are deemed to have assumed those risks. This understanding implies that if an injury occurs as a result of those inherent risks, the employee may not be able to seek compensation for damages.

This principle is critical in understanding liability in workplace injuries. Employees who are made aware of specific hazards and choose to work in that environment are seen as having accepted those risks, which places limitations on their ability to claim damages later. It recognizes the voluntary nature of taking on those risks as part of their employment.

In contrast, other options are less aligned with this legal principle. For instance, suggesting that the employer is liable for all injuries disregards the employee's acceptance of risk. Likewise, stating that the employee cannot claim any damages oversimplifies the doctrine, as there are circumstances under which claims may still be pursued. Lastly, the notion that the employer cannot enforce safety protocols does not accurately reflect the legal requirements placed on employers to maintain safe working conditions.