Prof. Allan Manning's Blog

Questions about the origin of the Mark IV ISR

Questions about the origin of the Mark IV ISR

At the request of a long standing friend, Keith Till, then of Zurich Insurance Australia Limited, I wrote what became a 3 volume set of books on the Australian Industrial Special Risks (‘ISR’) Policy. I worked out it took about 1,600 hours of research to write the books drawing on a great many sources including but not limited to David Goodlad’s original drafting manuals and […]

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Loss of rent for a serviced office

Loss of rent for a serviced office

I have not been as active as in the past of late as I have simply been flooded with questions from brokers, insurers and adjusters on a draft on policy and policy interpretation issues. While I wish I had the time to post them all, the one below I thought was appropriate to share. This question today is regarding the way to insure the business […]

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Drink driving exclusion when not over the legal limit

Drink driving exclusion when not over the legal limit

I received the following question recently which I have not had before so I thought I would share both the question and my answer with readers. Hi Allan, I hope you are enjoying your change at work, I’m sure this hasn’t stopped you from being involved with many things as you are so passionate about insurance! I have a question, which I hope you can […]

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Risks that can cost you your home!

Risks that can cost you your home!

A little while back I published a post titled ‘Beware harsh exclusions that turn the policy into junk insurance‘ that has proved very popular. There is another area that worries me, particularly for home owners, and that is around the “do it yourself’ers” who seem to be on the increase based on any trip to Bunnings on the weekend. It is not surprising for a […]

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As with bushfire management we need uniform rules on pool fencing

As with bushfire management we need uniform rules on pool fencing

Yesterday I posted an article on the fact that we have such different rules between states when it comes to bushfire management, yet we all face the same risk. During the same trip with the stupidity of such vastly different approaches to bushfire zoning still buzzing around in my head, I noticed the complete lack of fencing around the pool at the hotel. I checked […]

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Blog question on goods in physical and legal control

Blog question on goods in physical and legal control

I received this question this morning. Good morning Allan, I hope you can assist. Having trouble deciphering the Property in your Care custody and Control wording in the [insurer name withheld] Trade Wording I have attached the Liability section and the property in control wording. Our client are concreters and will be hiring some lighting equipment valued at $14,000 as they will be working at […]

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Product Recalls Australia – 13 Nov 2019

Product Recalls Australia – 13 Nov 2019

This week’s product recalls include: Global Gumnuts and Nursery — Natural Baby Rattle Esu Designs — Baby Gift Set with Silicone Feather Teether Australia Post — Woof Glider 44609 Farallon Brands Australia — 4baby Safari Romper & 4baby Almanac Shortie Owl Romper Penske Commercial Vehicles Pty Ltd — Western Star Trucks MY2010-2016 Bright Children’s Products Co Limited — Joie i-Gemm Infant Capsules Chubby Gumz — […]

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We need uniform laws around bushfire zoning

We need uniform laws around bushfire zoning

As my wife and I were to attend a recent insurance conference on the Gold Coast we flew up a day early so that we could catch up with some very long standing friends. They had moved from their beautiful ocean side apartment up to a 10 acre block in the Tallebudgera Valley. This is in the Gold Coast hinterland. They had only recently purchased […]

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Now is the time to raise ESL with the NSW Government

Now is the time to raise ESL with the NSW Government

After every mass shooting in the US the National Rifle Association come out and say this is not the time to have the debate. Well this is in fact, the best time to have the debate for the community, perhaps not for the NRA. The same is happening here about the Emergency Services Levy in NSW. As I reported earlier today the fire services are […]

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The current situation with the fires in NSW shows the stupidity of imposing emergency services levies on General Insurance

The current situation with the fires in NSW shows the stupidity of imposing emergency services levies on General Insurance

I start by applauding the efforts of the fire fighters in New South Wales and Queensland including one of my brother-in-laws, a volunteer in the NSW Rural Fire Service. Yesterday morning, one of the senior officials from NSW Fire advised that, due to the catastrophic conditions expected today (12 November 2019) it is not going to be possible for the brigade to assist with property […]

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