Certified Insurance Counselor (CIC) Commercial Multiline Practice Exam

A limitation often seen in a common carrier's liability is indeed related to damage occurring during loading and unloading. Common carriers are responsible for the safe transport of goods from one location to another; however, their liability can be affected by the conditions under which the loading and unloading procedures take place. The standard rule is that while the carrier has liability for goods in transit, this responsibility may not extend to the actual loading and unloading process, particularly if those activities are conducted by the shipper or consignee. This presents a limitation in the carrier's liability, as they may argue that they are not responsible for any damages that occur during these phases of the transport process, which are often outside of their control.

The other options do not typically represent limitations in a common carrier's liability in the same regard. Limited geographical coverage is more related to the scope of service rather than liability limitations. Liability only during peak seasons doesn’t reflect a common standard in carrier service, as liability depends more on specific contractual agreements and the nature of the goods transported. Exclusivity to specific goods refers to the types of items a carrier may agree to transport, rather than limitations on liability itself. Thus, the focus on damage during loading and unloading accurately captures a common situation where liability may not apply