CII I10 case studies

CII I10 · Put your knowledge to work in context.

The CII Insurance Law and Practice (I10) is a Chartered Insurance Institute qualification unit in the Institute's learning programme. The CII describes itself as "a professional body dedicated to building public trust in the insurance and financial planning profession", and I10 sits within its qualifications and training offering for people building technical insurance knowledge. The CII I10 case studies are 5 cases and about 4,236 words.

Harrowgate Furniture Ltd: three tonnes of foam and a lapsed duty of fair presentation

Harrowgate Furniture Ltd runs a single-site upholstery factory in a 1970s industrial unit. Its combined commercial policy, placed through a broker on 1 March 2023, carries £2.4m for property damage, £900,000 for business interruption and a £5,000 excess.

935 words, about 5 min 2

Mrs Patel's forgotten claim and monitored cracking: careless or reckless?

Mrs Patel owns a 1930s semi-detached house in Leicester. Her home policy, incepted online on 12 May 2023, covers buildings of £320,000 and contents of £60,000 for an annual premium of £412.

712 words, about 4 min 3

Kendal Wholesale: the alarm maintenance contract that lapsed

Kendal Wholesale Supplies Ltd holds stock worth about £400,000 in a leased warehouse and trades from a trade counter. Its commercial combined policy, running 1 January to 31 December 2024, insures stock, contents and business interruption, with a £1,000 excess.

901 words, about 5 min 4

Ashcombe Structural Engineering: a claim that falls between two policy years

Ashcombe Structural Engineering Ltd has turnover of £3.1m and a professional indemnity policy with a £2m limit, written on a claims-made basis for periods running 1 April to 31 March. The wording requires the insured to give written notice 'as soon as practicable of any circumstance of which it becomes aware which may give rise to a claim'.

957 words, about 5 min 5

Fenwick Estates: subrogation against a tenant who was never worth suing

Fenwick Estates Ltd owns a parade of six retail units and insures the block under a commercial property policy with a £5m limit and a £2,500 excess. Unit 3 is let to Brew & Bean Ltd on a 15-year lease.

731 words, about 4 min