October is Cyber Security Awareness Month (CSAM). CSAM is an annual reminder for Australians to stay safe online and protect your online information and assets. The theme for CSAM 2023 is ‘be cyber aware – don’t compromise’. CSAM is an opportunity for businesses to review their understanding of ‘cyber security’ as a concept while continuing […]
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A change of heart on indemnity | a landmark High Court decision for insurers
Allianz Australia Insurance Limited v Delor Vue Apartments CTS 39788 [2022] HCA 38 Key takeaways The High Court has provided important guidance regarding the circumstances in which an insurer can depart from earlier representations made regarding the availability of cover. The duty of utmost good faith does not always prevent an insurer from retracting an […]
Insurer permitted to invoke professional liability exclusion clause for Queensland flooding class action
SunWater Limited v Liberty Mutual Insurance Company [2022] NSWCA 273 Key takeaways Professional liability exclusions are not confined to claims brought by the rec mipient of the professional service or advice. A court may construe the professional liability exclusion more stringently where the insured can seek refuge under another policy. There are no special rules […]
Mind your Ps and safety first!
Key takeaways For employers or principals, the benefit of following the 4Ps of safe working can never be under estimated: Plan, Prepare, Protect and Proceed. Confirmation of the premise that the principal or main contractors are not expected to supervise or have specialist knowledge of all the specialist trades working on a construction site at […]
The duty of care requirement – not to be taken for granted
Bettergrow Pty Limited v NSW Electricity Networks Operations Pty Ltd as trustee for NSW Electricity Networks Operations Trust t/as TransGrid (No 2) [2018] NSWSC 514[i] The recent New South Wales Supreme Court decision (Ball J) in Bettergrow v TransGrid (No 2) provides useful guidance on how the established elements of negligence should be applied in […]
Dealing with complex facts in assessing contribution for an asbestos exposure injury
The Supreme Court of Victoria decision of Swiatek, handed down on 21 December 2016, provides an insight into how the courts deal with complex issues of factual causation and contribution involving multiple defendants in a case relating to an injury resulting from ongoing exposure to asbestos over an extensive period of time. The facts The […]
The insurer strikes back
The recent NSW Court of Appeal decision in Stealth Enterprises trading as The Gentleman’s Club v Calliden Insurance Limited (delivered on 5 April 2017) provides further guidance on: What must be disclosed by insureds when entering into and renewing contracts of insurance; and The burden of proof on insurers in relation to establishing what the […]
What does a ‘professional service’ mean in the context of a D&O policy exclusion clause?
Many companies will take out a suite of policies to cover all potential exposures involved with running a business. Often that suite will include a directors & officers policy and a professional indemnity policy, both containing exclusion clauses which operate to make the policies complementary and mutually exclusive. However situations can arise whereby a gap in […]