Abstract
Introduces the nature of the insurance contract and its distinctive features. Sets out the main classes of insurance and the definition of insurance business for the purposes of regulation. Outlines the drafting process and the sources of law in relation to insurance contracts. Explores the manner in which risks and the market for insurance have evolved in tandem. Explains the distinction between first party and third party (liability) insurance. Outlines the history and key forms of liability insurance; questions the assumption that liability insurance was initially seen as raising unique questions of legality or public policy; and identifies key issues in relation to triggering events; aggregation of losses; and interpretation of policy terms.
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