The meaning of proximate cause
Insurance is a contract between the insurer and the insured; as such it is subject to numerous terms and conditions as contained in the policy wording. Beyond this contract, there…
trustee insurance
Is trustee indemnity cover a requirement?
(Updated 24 February 2025) If the prescribed management rule is read and interpreted in accordance with standard insurance definitions of public liability, it is reasonable to conclude that trustee indemnity…
Common property improvements: Garden irrigation systems
The following question often arises: Are garden irrigation systems covered by the body corporate or homeowners association buildings insurance policy? If so, what are the limitations? Coverage of garden irrigation…
How to deal with illegal structures
[Updated: 30 May 2025] Illegal structures erected by sectional title owners remain a persistent challenge in community schemes. Let’s explore a common example and unpack the implications: The scenario An…