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Simon Kilgour

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Court of Appeal provides clarity on establishing an insured loss

Decision is a useful reminder an insured does not suffer a loss until its legal liability to pay a particular sum is established
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Industry needs to consider dangers of widening terms and conditions

The gradual creep of softening terms in re/insurance contracts is a risk that must be acknowledged
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Cyber insurance challenge remains

Lack of bespoke cyber exclusions prompts fears some exposures may creep under the radar

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