Brokers' Duties, Authority & Negligence

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HIH Casualty & General Insurance Limited v JLT Risk Solutions Limited
English Court of Appeal: Auld, May & Longmore LJJ: [2007] EWCA Civ 710: 12 July 2007
Available on BAILII @
http://www.bailii.org/ew/cases/EWCA/Civ/2007/710.html
INSURANCE AND REINSURANCE: BACK-TO-BACK POLICIES: BROKERS’ DUTIES TO INSURED AND REINSURED: POST-PLACEMENT DUTY TO INFORM REINSURED OF POTENTIAL COVERAGE ISSUES UNDER ORIGINAL POLICY: CAUSATION OF LOSS

Talbot Underwriting Ltd v Nausch Hogan & Murray Inc (The "Jascon 5")
English Court of Appeal: Waller, Moore-Bick and Richards LJJ: [2006] EWCA Civ 889: 29 June 2006
BUILDERS’ ALL RISKS (MARINE) INSURANCE SLIP POLICY: LIABILITY OF BROKERS FOR FAILURE TO TAKE OUT INSURANCE COVER AS PER INSTRUCTIONS: PROPER CONSTRUCTION OF POLICY: CO-INSURED: UNDISCLOSED PRINCIPAL: MATERIAL NON-DISCLOSURE: EFFECT ON SUBROGATION RIGHTS: LOSSES

Talbot Underwriting Ltd v Nausch Hogan & Murray
English High Court: Commercial Division: Cooke J.: 31 October 2005
INSURANCE: BUILDERS’ RISKS INSURANCE: WHETHER CONTRACTOR INCLUDED AS CO-ASSURED: CONSTRUCTION OF POLICY TERMS: WHETHER CONTRACTOR AN AFFILIATED COMPANY OR JOINT VENTURER: WHETHER CONTRACTOR AN UNDISCLOSED PRINCIPAL: INTENTION OF PLACING BROKERS: WHETHER FAILURE TO DISCLOSE UNDISCLOSED PRINCIPAL MATERIAL: WHETHER UNDERWRITERS HAD WAIVED NON-DISCLOSURE: LIABILITY OF BROKERS

Tanevski v Trenwick International Limited
Australia: New South Wales Court of Appeal: Tobias JA, Young CJ In Eq, Davies AJA: [2003] NSWCA 303: 17 October 2003
Insurance: Whether public liability cover obtained: whether insurance broker arranged cover under its binder with unauthorised overseas insurer: whether there could be an insurance contract when broker represented and insured understood that cover was with different underwriters: what was effect of misleading insurance certificate: whether insurance agents were negligent: whether breach of Trade Practices Act

Dickinson v National Mutual Life Association of Australasia Ltd (trading as AXA Australia)
Australia; Supreme Court of Victoria; Smith J; [2003] VSC 325; 5 September 2003
Insurance contract: alleged non-disclosure: duties of broker: loss of opportunity to impose exclusion clause

Elilade Pty Limited v Nonpareil Pty Limited
Australia: Federal Court of Australia, Northern Territory District Registry: Mansfield J; (2002) 12 ANZ Ins Cas 61-535: 31 July 2002
INSURANCE — INSURANCE POLICY HAD "FLOOD" EXEMPTION — LOSS CAUSED BY WATER DAMAGE BEING AN INSURED EVENT — LOSS SUBSEQUENTLY CAUSED BY FLOOD BEING AN EXEMPTED EVENT — INSURANCE BROKER — WHETHER INSURANCE BROKER OWED INSURED DUTY TO ADVISE INSURED OF AVAILABILITY OF INSURANCE INCLUDING FLOOD COVER — WHETHER INSURANCE BROKER OWED INSURED DUTY TO INFORM INSURED OF FLOOD EXEMPTION IN POLICY — WHETHER DUTY DISCHARGED BY CORRESPONDENCE REQUESTING INSURED TO CHECK SCHEDULE OF INSURANCES WHICH CLEARLY IDENTIFIED FLOOD EXEMPTION

Pacific Dunlop (Asia) Ltd. & Grosby (China) Ltd. v. Inchcape Insurance Brokers (HK) Ltd.
Hong Kong Court of First Instance: Stone J.: [2001] HKEC 806: June 2001
INSURANCE: INCREASE OF INSURED VALUES DISPUTED: SETTLEMENT BY PRIMARY UNDERWRITERS ON PRE-RENEWAL VALUES: CONSEQUENT CLAIM ON ‘TOP-UP’ INSURERS: TOP-UP INSURERS CLAIM IN SUBROGATION: AUTHORITY OF BROKERS TO ISSUE UNDER-LYING POLICY: PRIMARY INSURERS NOT LICENSED TO DO BUSINESS IN HONG KONG: ISSUE OF POLICY IN HONG KONG ILLEGAL: EFFECT OF ILLEGALITY: CLAIMANTS’ AFFIRMATION OF POLICY:

Great North Eastern Railway (GNER) v Avon Insurance Plc 
English Court of Appeal: Judgment delivered by Longmore LJ:[2001] Civ 780; May 2001
INSURANCE POLICY: APPLICABLE CONTRACTUAL TERMS: BUSINESS INTERRUPTION INSURANCE: EXCLUSION CLAUSES: WIDE OR NARROW VERSION: CHANGE INTRODUCED ON RENEWAL: NOT DRAWN TO UNDERWRITERS' ATTENTION: EXCEPTION: COVER FOR BREAKDOWN: REPUGNANCY

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