15 Nov 2011
GARNETT V TOWER INSURANCE LIMITED COA CA4/2011
- Citation
- openlaw-9966d32b_ee9f_45a0_accb_3332d08e6727.pdf
- Court
- Court of Appeal
Liability from the tourist cabin fire is not covered by the Section 4 liability protection extension because the tourist operation was a separate undeclared commercial business; the Forest and Rural Fires Act extension provides a standalone indemnity for s 43 liability but is limited to $200,000 absent payment of additional premium; the personal liability extension does not apply because the insured event was related to a business activity; leave to adduce additional causation evidence was irrelevant to the contractual construction issues.