Late notification, conditions and claims disputes under insurance contracts
Policy notice conditions, exclusions, governing insurance law and particular facts control.
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Insurance, Takaful & Risk Allocation
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Aggregate Limits, Deductibles and Multiple Losses Under Commercial Insurance
A commercial policy may show a reassuring headline limit but provide materially less protection once deductibles, sub-limits, aggregation clauses and prior claims are taken into account.
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Takaful in Commercial Projects: Certificates, Risk and Disputes
A takaful certificate may be part of a construction or supply package, yet the project parties may assume that it responds in the same way as a conventional insurance policy. The legal analysis must examine the takaful arrangement actually issued, its coverage terms and the treatment of claims and.
Insurance, Takaful & Risk AllocationREAD ANALYSIS ↗
Contractual Indemnities and Insurance Coverage: Why They May Not Match
Businesses often negotiate broad contractual indemnities believing their insurance policies will meet any resulting claim. The two instruments may cover different risks, use different triggers and apply separate exclusions. A company can therefore promise substantial indemnification while holding no.
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When an Insurer Refuses a Commercial Claim: Exclusions and Notification
An insured business may suffer a substantial loss and believe payment is assured because the relevant event appears in the policy's headline description. Insurance recovery turns on the operative wording, exclusions, warranties, notification duties and evidence of the actual.
Insurance, Takaful & Risk AllocationREAD ANALYSIS ↗