Financial Advice

FSCL Case Study

How much support should a broker offer?

A client engaged a tiler, to assist with a bathroom renovation. The tiler engaged a subcontractor to complete one aspect of the renovation. Unfortunately, the clients were not happy with the standard of the subcontractor’s wo...

FSCL Case Study

Communication breakdown

The clients were a couple who lived in a remote part of New Zealand, running a building business as well as a bed-and-breakfast. They arranged liability insurance for their business, as well as material damage insurance for their buildi...

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Risk for storage

Question... Client is an owner/operator of a vehicle recovery and tow business. He never tows on a hook. All carriages are on a flat deck truck or trailer. The vehicle is winched on to the flat-deck or trailer for the purpose of ...

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Uninsured driver

Question... A claim has been lodged, accepted and paid for by the insurer. An uninsured third party reversed into the customer's parked vehicle. The uninsured driver was identified. The insurer has established liability...

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Risk transfer

Question... We have a client who ships goods overseas on CIF terms, and therefore has to arrange insurance to cover the goods including when risk transfers to the purchaser. They have suffered a loss which appears to have...

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Exclusion limits

Question... A client was commissioned to build a steel frame on which to place a silo. Several months after it was built, the silo was filled up and the frame collapsed. It has since been found that the failure was due to...

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