Understanding the implications of policy exclusions following Covid-19

This highly topical webinar is being delivered by Alan Chandler one of the most popular presenters in the UK. The whole market will apply some sort of pandemic exclusion for pandemics/covid-19 or more worryingly the words communicable diseases is being used, even worse again diseases including fear or threat is being used, this starts bringing all sorts of extra scenarios that will be excluded for clients. Importantly, this will be for liability as well as property and BI and could leave a policyholder with a lawsuit that is not covered by their insurance policy.

How exclusions are worded will be incredibly significant, with some proposed wordings being very scary indeed. An example being 'losses whether caused directly or indirectly by communicable diseases are excluded' - this does not look too scary, but it is! if an escape of water claim is made worse by lock down due to an empty office then insurers could exclude the loss, the disease does not have to be the proximate cause with this proposed wording.

All insurance staff need to understand the law relating to exclusions. This webinar will take delegates on a plain English walk on how the law applies to policy exclusions and proximate cause, so that they can explain to clients clearly and confidently the implications of the differing communicable disease exclusions that will be applied to your policyholders wordings.

This webinar is suitable for brokers, underwriters, claims staff and loss adjusters.

Learning Objectives.

• How the law views insurance policy exclusions.
• How the Consumer Rights Act, Unfair Contract Terms Act and Employers Liability Act deals with insurance exclusions.
• How proximate cause applies in insurance.
• What is an insured peril, uninsured peril and excluded peril and what happens if more than one acts together.
• What if the insurer excludes a cause whether caused directly or indirectly by a peril (sometimes known as the proximate cause or not) and why this must be resisted if possible.

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