Canadian Accredited Insurance Broker (CAIB) Two Practice Exam

Which of the following incidents would qualify as an actual robbery according to policy definitions?

1. Forced entry with intent to steal

2. Shoplifting during business hours

3. Kidnapping of a custodian for access

4. Damage to property without theft

The correct answer is: Kidnapping of a custodian for access

An incident qualifies as an actual robbery when it involves the use of force or intimidation to take property directly from an individual. The correct answer highlights a situation where a custodian is kidnapped to gain access to valuables, which encompasses the elements of robbery. In this scenario, the use of intimidation and force (the kidnapping) is central, making it a clear violation of personal security to facilitate theft. In the context of other incidents, forced entry with intent to steal may fall under burglary rather than robbery, as it typically involves entering a property unlawfully to commit theft without necessarily threatening an individual present. Shoplifting, while a theft, does not involve confrontation or threat to a person, thus it doesn't meet the criteria for robbery. Damage to property without theft does not involve the act of stealing and is therefore unrelated to robbery, focusing instead on vandalism or property damage. Overall, the defining characteristic of robbery is the violent or threatening interaction that directly influences the victim, as exemplified in the kidnapping scenario.