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Aspects of Insurance that Everyone Should Know

Aspects of Insurance that Everyone Should Know

An insurance policy is a legally binding contract between an insurance company and an insurance consumer, which places a number of strict obligations on both parties. HOW IS THE INSURANCE INDUSTRY REGULATED? General insurance industry is governed by a number of...
Are you alright?

Are you alright?

(Be aware that your answer might void your insurance) INSURERS’ UNDERWRITING OF PEOPLE WITH MENTAL HEALTH ISSUES Mental Health, Discrimination and Insurance: A Survey of Consumer Experiences 2011 outlines the results of a survey which revealed great difficulties faced...
Household Workers’ Insurance

Household Workers’ Insurance

Am I liable for injury of someone, whom I employ to work on my property? Yes, you are. That is why we strongly advise you and every Queensland home owner to get a Household Worker’s insurance. Queenslanders who hired casual cleaners, babysitters, nannies, gardeners,...
Multiple Causes – One Excluded

Multiple Causes – One Excluded

Wiesac Pty Ltd v Insurance Australia Group Ltd (2018) 34(2) ILB 32 COMMENT This decision is an illustration of the way the court will construe a common ‘flood exclusion’ and its elements and, specifically, how using words capable of wider interpretation can help...
A Duty of Care

A Duty of Care

Bunnings Group Ltd v Giudice [2018] NSWCA 144 OVERVIEW In tort law, a duty of care is a responsibility or legal obligation imposed on an individual or business that requires a standard of reasonable care to be adhered to while performing and in the pursuance of...