In what situation does the bailee owe a high duty of care to the bailor?

Study for the Certified Insurance Counselor Commercial Multiline Exam. Utilize interactive flashcards and multiple-choice questions, all with detailed explanations. Prepare thoroughly for your exam!

The scenario in which a bailee owes a high duty of care to the bailor arises when the bailment is for the benefit of the bailor. This situation occurs when the person who owns the property (the bailor) is the primary beneficiary of the arrangement, such as when the bailor requests someone else to take care of or use their property without any reciprocal benefit to the bailee.

In this context, the bailee is expected to take exceptional care of the property since it is essentially entrusted to them for the bailor's gain. This high duty of care reflects the trust the bailor places in the bailee and the understanding that the bailee should minimize the risk of loss or damage to the property.

While borrowing tools for a job might seem like a good candidate for a high duty of care, it typically places the bailee in a situation where there is less obligation for care compared to a non-compensated act of borrowing, as the bailee often derives no significant benefit from the arrangement. Hence, it's important to distinguish that the duty of care is elevated primarily when the arrangement also aims to benefit the bailor.

In commercial contexts, professional service providers also have a duty to care, but this is usually evaluated within

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