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Insurers cannot deny a claim due to an insured’s act or omission if that act or omission did not cause the loss, thanks to clarity provided by a High Court ruling. This is good news for brokers and their clients as it means the insurer is now more restricted as to what it can exclude in a policy. It also means insurers will have to prove that an insured’s act or omission is the reason behind the claim rather than simply reject a claim due to a failure to disclose something or an unrelated action. Failure to do so could see the insurer handing over a hefty pay-out.