A Travelers Cos. Inc. unit is not obligated to provide coverage to a seafood company that was the victim of a spoofing email scheme under an exclusion in its computer fraud policy, says a federal appeals court in upholding a lower court ruling. Seattle-based Aqua Star (USA) Corp. does business with Zhanjiang, China-based Zhanjiang Longwei Aquatic Products Industry Co. Ltd., a vendor from which it purchases frozen shrimp, according to court papers in Aqua Star (USA) Corp., a s

Newer isn’t always better. This recent High Court decision discusses the liability of insurers under policies that provide an option to purchase a new house rather than rebuilding the existing one. While the particular wording of each policy will be important, the case demonstrates that the courts will be mindful of established principles of insurance law when interpreting the scope of cover in these cases. Background The St Albans property at the centre of this case was insu

In 2002, the insurer insured his house with an insurance company. In November 2009, he discovered that a water supply pipe in the wall cavity behind the shower had burst. He turned off the mains water valve and contacted the insurer, which advised him to call a plumber. The plumber made a hole in the wall lining and replaced the piece of the pipe which had burst. The piece of damaged wall lining had to be replaced and, because the lining was no longer available, it was al

Burglary, theft and aggravated robbery is becoming a big problem for small retail outlets, and the number of reported incidents of violence against dairy and liquor store owners, staff and customers during robbe Now the Government is offering subsidises for businesses that are considered high-risk for aggravated robbery. Businesses that meet the criteria can apply for co-funding for items like panic alarms, fog generating devices, time safes, and DNA spray. Vero’s manager of

Most of us want to be liked at work. And whether we care to admit it, sometimes we say or do things just to keep the peace, even if they’re not conducive to our end goals. Consider last week, for example … What did you do (or not do), say (or not say) to avoid conflict and remain ‘liked’ at work? Perhaps you faked approval for an idea you later mocked, signed off on something you weren’t sure about because you didn’t want to offend, or chose not to voice your concerns because

Teeth brushing sounds simple enough, but when it comes to keeping your pearly whites in good nick, there are some tricks worth knowing. Ever heard of pairing wine with dairy, not for the taste, but for the dental protection, for example? Coming up, how to take the best care of your teeth (beyond brushing and flossing), straight from a dentist’s mouth … Know when and when not to brush Sure, brushing your teeth is recommended, but not straight after consuming something acidic,

New Zealand will be $30 billion better off if it responds to climate change sooner rather than later, according to a report from Westpac. Westpac commissioned research on moving to a low carbon economy that modelled two scenarios – one that involved an earlier and smoother transition to a lower carbon economy, and another in which action to reduce emissions was delayed for more than a decade. The modelling suggests the economy would benefit by $30 billion by 2050 if governmen

Tower Insurance will start pricing premiums according to how at-risk a property is to earthquake damage, it has been revealed. According to a report by Radio New Zealand, thousands of Tower’s customers situated in high-risk regions started paying hundreds of dollars more from April 01 for home insurance. The company’s chief executive Richard Harding reportedly told the publication that Tower customers living in Wellington, Napier and Gisborne would face the worst of the incre