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Case Studies

Situations we have handled, described by sector. Client names are withheld unless we have their permission.

A contractor part-way through a job was still insured on the scope it had tendered on. Variations had since added deep excavation …

An importer arranged marine cargo cover shipment by shipment, and the warehouse contents were insured separately. Damage found aft…

A company had renewed its group medical scheme on price for several years. Staff complained about hospitals that were not on the n…

A distribution company ran a mid-sized fleet of vans and light trucks bought at different times, each on its own policy with its o…

A services subcontractor working inside an operator's facility had signed a contract requiring it to indemnify the operator and it…

A food distributor held chilled and frozen goods in a leased cold store in one of the industrial areas. The fire policy covered co…

A restaurant group lost a mall unit to a fire that started in an adjoining tenancy. Business interruption was in force, but the in…

An outdoor maintenance contractor worked with a mix of its own staff and labour supplied by a manpower company. A worker collapsed…

An engineering office had moved its professional indemnity cover between insurers over the years, following price. The cover is wr…

A private clinic held medical malpractice cover in the entity's name. Practitioners working on a visiting or sessional basis assum…

A manufacturer with a plant and an open yard in an industrial area had renewed its fire and allied perils policy on the same figur…

An owner kept a motor yacht at a marina and planned a run along the coast and across into a neighbouring country's waters. The pol…