Overview
This publication summarises the essential elements of a contract of insurance. It looks at the ways in which public liability may be incurred and how the policy should be structured to respond to this liability.
The book analyses the main policy clauses (recital clause, operative clause and proviso clause) and also looks in detail at exceptions, policy conditions and extensions to basic policy cover.
The appendices contain a number of public liability insurance policy wordings and summarise relevant case law.
Content
Chapter 1. Legal principles – summary of policy
Chapter 2. The recital clause
Chapter 3. The operative clause
Chapter 4. The proviso clause
Chapter 5. Exceptions – risks covered by other policies
Chapter 6. Exceptions – risks covered by other policies (continued) – product liability and professional indemnity insurance
Chapter 7. Exceptions – risks outside the scope of the policy – uninsurable risks – excess clause
Chapter 8. Policy conditions
Chapter 9. Extensions to basic policy cover
Chapter 10. Economic loss
Appendix A Public liability policy
Appendix B Sun Alliance International liability insurance proposal
Appendix C Sun Alliance International liability policy
Appendix D Colonia-Baltica Insurance Management Limited liability policy
Appendix E Reliance National Insurance Company (UK) Limited pollution legal liability policy
Appendix F Association of British Insurers – Statement of General Insurance Practice
Appendix G List of cases
Appendix H Precis of cases