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Multiple causes of loss

What happens when a loss results from two causes and the one of those causes is excluded under the policy?

At common law, where there are two or more proximate causes of loss and one of those causes is the subject of an exclusion, the insurer may not be liable to indemnify the insured for the entire loss.

This technical update from Liberty discusses this very pertinent issue of multiple causes of loss and the application of policy exclusions.

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Technical update - Multiple causes of loss


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Liberty International Underwriters, known also as LIU or Liberty, is a trading name of Liberty Mutual Insurance Company (ABN 61 086 083 605) incorporated in Massachusetts, USA (the liability of members is limited); Liberty International Underwriters Limited (No. 2400200), incorporated in Hong Kong and Liberty International Underwriters Pte Limited (UEN 201538069C), incorporated in Singapore with a branch in Labuan (Reg. No. LF12903), licensed to carry on general insurance business under the Labuan Financial Services and Securities Act 2010, Lic. No. IS2016162 (together LIU).

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