Australia: Insurance

In certain circumstances, however, the context of a treating doctor’s report could constitute a request for approval even without a clearly worded covering letter.

The Supreme Court of New South Wales has ruled that insurers can deny indemnity and reduce liability to nil when an insured fails to disclose material changes in risk. This case examines how a pharmaceutical manufacturer's undisclosed pivot to hand sanitiser production during COVID-19, involving a fifteenfold increase in ethanol storage, led to a complete denial of coverage following a devastating fire.

When your home is damaged, life is suddenly upended. There’s the immediate stress of staying safe, looking after your family, and protecting your belongings from further harm. The last thing you feel like doing is dealing with paperwork.