Insurance is very simple.
Insurance is a contract that indemnifies the insured for specified liabilities or losses.
Beyond that you need to read and understand the specific contract of insurance and about a hundred years of decisions by courts about insurance and privity of contract. The alternative is to get advice from a lawyer with sufficient professional indemnity insurance to respond to liability in the event that his/her advice is wrong. But you’d need advice from a lawyer with sufficient professional indemnity insurance to respond to liability in the event that the first lawyer’s advice was negligent…
Take care out there.
Last edited by Creampuff; 15th Mar 2012 at 09:03.