Is it covered? Most of the time the answer to that question is obvious; and contrary to what some people believe the answer is usually "Yes."
But there are always times when the answer isn't clear.
And even when both Insurer and Insured have had expert advice there are still competing views on whether and how the policy responds.
Thirty years experience applying policy wordings to real claim situations combined with formal study in contractual interpretation and insurance law makes me well placed to advise on how a policy responds and, where necessary to advocate a particular position on policy response.
I have experience in all classes of insurance business - Property, Casualty, Marine and Financial Lines.
Policy Interpretation and Indemnity Issues