Registered Insurance Brokers of Ontario (RIBO) Practice Exam

What is the definition of ordinary negligence?

1. Intentionally causing harm

2. The lack of proper training

3. The failure to act as a reasonable person would

4. Making a wrong decision

The correct answer is: The failure to act as a reasonable person would

The definition of ordinary negligence is indeed rooted in the concept of failing to act with the care that a reasonably prudent person would exercise in a similar situation. This standard evaluates an individual's actions or inactions to see if they meet the social duty of care, which is expected to prevent harm to others. Ordinary negligence does not involve intentional harm or the lack of proper training, but rather highlights careless behavior that leads to unintentional damage or injury. Making a wrong decision can contribute to negligent outcomes, but not every wrong decision constitutes ordinary negligence unless it aligns with a failure to uphold a standard of reasonable care. Therefore, the focus is on the breach of this duty, which is captured accurately with the definition provided.