Insurance cover for liability for abuse

On this day Colin Edelman QC gave a lunchtime lecture at the British Insurance Law Association (BILA). He discussed the following points:

Scope of "abuse"
Categories of insured exposed to liability
Types of responsive policy
Ambit of "insured"
Trigger of cover: occurrence, injury, accidental injury, claims made/circumstances notified
Proof of cover
Relationship of abuse to the activities or business of the insured
Retention and limit of indemnity: per occurrence/claim, aggregation - e.g. series of occurrences/claims arising from one source or originating cause
Exclusions: professional services, deliberate misconduct
Non-disclosure
Strategy: "Wait and see"?

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