Can Quillio analyse insurance policies?
Yes. I analyse insurance policies — general insurance, professional indemnity, D&O, cyber, and specialty lines — for coverage, exclusions, conditions precedent, and duty of disclosure questions under the Insurance Contracts Act 1984 (Cth). I produce a coverage summary and flag the exclusions and conditions that matter for the specific claim or risk you describe.
Coverage analysis
I read the insuring clause, definitions, exclusions, conditions, and endorsements, and produce a coverage summary for the scenario you describe. I flag ambiguities in the policy wording and cite the leading Australian cases on similar wording where they exist.
Insurance Contracts Act issues
I check for Insurance Contracts Act issues: duty of disclosure (section 21), duty of utmost good faith (section 13), the effect of any misrepresentation (section 28), and the insurer's remedies. For post-2013 policies I apply the current duty to take reasonable care not to make a misrepresentation (for consumer insurance).
Claims analysis
For a specific claim, I produce a claims advice: does the policy respond, what are the potential exclusions, what conditions precedent apply, and what the insured needs to do to preserve cover. This is a starting point — insurance claims often turn on fine factual distinctions.
Step-by-step
- Upload the policy. Upload the policy wording, schedule, and any endorsements.
- Describe the claim or risk. Tell me the facts of the claim or the risk you are underwriting.
- Get the coverage memo. I produce a coverage summary with exclusions, conditions, and cases cited.
- Advise the insured or insurer. Use the memo as the basis for your advice.
Common issues
- Schedules and endorsements can change coverage materially — make sure to upload them all
- Claims-made versus occurrence-based policies are often confused — I clarify which applies
- Reinsurance treaties need separate analysis from the underlying policy — I flag when you need it
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