Trauma insurance is one of those personal policies that you should take time to compare properly. Trauma cover should not be confused with TPD cover, as trauma coverage offers a lump sum payment in the event you should suffer a traumatic event as outlined in a life company's product disclosure statement (PDS). TPD cover on the other hand is a lump sum payment if you become totally and permanently disabled.Trauma cover benefit payments can be...more
Earlier this year, some businesses are not illegal production of flame protection device with embedded gas stove or fraud incidents by CCTV "Weekly Quality Report" came to light, a time,Gas cookerIndustry andConsumptionWho caused great shock. Not long ago,Guangdong ProvinceA million and Gas Association, Vantage, beauty, creative Stewart and other well-known in the industry 12 gas stove manufacturer self-declaration published in...more
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It is a sad fact that many SMEs do struggle to make progress past the first year of trading. Compounded by the bottleneck on borrowing, many SMEs also seem to forget to cover their business with adequate small business insurance in the event of a catastrophe.Two major issues exist: Obtaining Financing and Being Adequately Protected.Many simply do...more
Although it stands by itself, the contamination exclusion ties in quite closely with the processing exclusion. The text of the contamination exclusion varies considerably from one ARPI policy to another. Some exclusions define contamination by reference to pollution or change in texture, finish, colour or flavour. Some exclusions...more
For example, a fire may occur in a frozen food packaging plant. As a result of the fire, the packaging of the stock becomes contaminated and has to be replaced. In those circumstances, the damage would be covered by the policy even though contamination may be excluded in that it was itself caused by a non-excluded peril, namely fire and smoke pollution. An example of the second part of the proviso could perhaps be where the concrete floor of the factory has become contaminated over a period of time with inflammable chemicals. Eventually, as a result of the build-up of chemicals, a fire was started. The damage resulting from that fire would be covered under the policy. Two US cases illustrate the circumstances in which the contamination exclusion can be invoked. In the case of American Casualty Company of Reading, Pennsylvania^. A.L. Myrick, 304 F2d 179 (1962), quantities of chickens, eggs and other products were stored from time to time in a refrigerated storage room. The storage room was cooled by means of an ammonia coolant which flowed under pressure through a system of overhead coils. A Vi pipe connected to one end of the coil system supplied the ammonia coolant...more
All of the goods stored in the room became unfit for human consumption as a result of contamination from the ammonia. The ARPI policy excluded contamination unless caused by or resulting from loss of or to the property covered by...more
The assured argued that "contaminate" meant introducing foreign substance thus effectively creating a different substance. It conceded, however, that a product is also referred to as contaminated when the foreign substance merely...more
Some, but by no means all, ARPI policies contain a clause excluding spontaneous combustion, namely a fire brought about by the conditions produced within the substance itself. The key element to spontaneous combustion is the creation...more
There is a degree of overlap again between riot, civil commotion and terrorism, but terrorism is considered separately in that, again, it has a somewhat different history of coverage under All Risk Property Insurance (ARPI) policies....more
A dramatic change in the market took place following the massive explosion that had occurred in St Mary Axe in 1992 resulting in damage to the Commercial Union building and other buildings in the City. At the end of 1992 the reinsurance...more
The Chambers Concise Twentieth Century Dictionary defines terrorism as "an organised system of intimidation especially for political ends". Lastly, the Concise Oxford Dictionary describes a terrorist as "a person who uses or favours...more