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A precision engineering company suffered a fire which was said to have started in the dust extractor of cutting machinery. Insurers were advised by their loss adjuster they could void the policy on the grounds that the Insured had failed to take reasonable care in the maintenance of their machinery. The Insured disputed the allegation for more than two years but failed to change the insurer’s decision. The broker referred the company to Flaxmans. We immediately recognised serious flaws in the loss adjuster’s...

A heating supply and installation company, Arc, with a long history for client satisfaction and installation safety was sued by a customer’s insurer. Their customer’s business had suffered a fire allegedly caused by the heating company’s negligent installation of its product, and its insurer was seeking to recover its substantial loss from the heating company. Arc was properly insured at all times through a reputable local broker. The broker had recommended changing insurers at the renewal prior to the date of the customer’s...

A family home. This is a case of home insurance bought online. A fire destroyed the newly acquired family home but an alleged misdescription of information entered into the on line ’boxes‘ caused insurers to refuse indemnity. It shows the unintended risks to policyholders of inflexible fast-track quoting. With non-confrontational and pragmatic commercial reasoning and the application of insurance practice precedent it was possible, however, to present a case to insurers that allowed us to resolve the claim dispute. It is nevertheless a...

Roger Flaxman finds lessons for brokers in a fascinating £100,000 case where a firm faced litigation for not using unrated insurers. A casual chat between two solicitors at a local trades Christmas lunch resulted in an extraordinary windfall for one of them. Each represented small practices with similar turnovers of just under £1m. Comparing the cost of their professional indemnity (PI) insurance firm A found they were paying nearly four times the premium paid by firm B. It rather spoiled the...