Ronald,

The page yoiu refer to in the state manual, lists three kinds of liability: direct, indirect and assumed (or contractual) liability.  It also gives an example of each type of liability.

The question you reference has one correct answer. An example of indirect liability is: the
business being held liable for actions of an independent contractor to whom the insured has subcontracted a part of the general contract work.

Liability that is assumed under a contract is not indirect liability because the hazard is "taken back" in the contract so the insured is directly responsible.

Jan