scholarly journals RISK CONTROL CLAUSES IN INSURANCE LAW: LAW REFORM AND THE FUTURE

2016 ◽  
Vol 75 (1) ◽  
pp. 109-127
Author(s):  
Baris Soyer
Keyword(s):  
Risk Assessment ◽  
Critical Analysis ◽  
Risk Control ◽  
Risk Prevention ◽  
Law Reform ◽  
Legal Regime ◽  
Insurance Law ◽  
Insurance Contracts ◽  
Potential Impact ◽  
Risk Assessment And Management

AbstractRisk control clauses are often used in insurance contracts with a view to preventing the assured from altering the risk during the currency of the policy. An insurance warranty is the most commonly used risk prevention clause in practice. Having been subjected to severe criticisms for years, the legal regime concerning insurance warranties and other risk control clauses has recently been revamped by the Insurance Act 2015, which will apply to all contracts of insurance concluded after 12 August 2016. This article intends to elaborate on the appropriateness of the reforms introduced by the 2015 Act from risk assessment and management perspectives. It is also intended to offer a critical analysis on the potential impact of the changes on insurance law and practice.

Law Reform, Child Maltreatment and the un Convention on the Rights of the Child

2016 ◽  
Vol 24 (1) ◽  
pp. 29-64 ◽  
Author(s):  
Karen A. Polonko ◽  
Lucien X. Lombardo ◽  
Ian M. Bolling
Keyword(s):  
Child Physical Abuse ◽  
Customary Law ◽  
Law Reform ◽  
Systematic Research ◽  
Legal Regime ◽  
Child Rights ◽  
Rights Of The Child ◽  
Potential Impact ◽  
Relationship Of ◽  
The Relationship

Scholars and practitioners stress the need for systematic research on the implementation of the un Convention on the Rights of the Child (crc) and its potential impact on children’s rights. Our study focused on one aspect of implementation – law reform. Drawing primarily on reports to the crc Committee for 179 countries, results show for most countries, implementation is limited and focused far more on child-welfare than child-rights based legislation. The relationship of measures of law reform/legal regime (most notably, the existence of customary law and laws banning corporal punishment) to children’s experience of rights, child physical abuse and mortality, is analysed and theoretically grounded.

scholarly journals Risk Assessment and Management Workflow—An Example of the Southwest Regional Partnership

Energies ◽  
2021 ◽  
Vol 14 (7) ◽  
pp. 1908
Author(s):  
Si-Yong Lee ◽  
Ken Hnottavange-Telleen ◽  
Wei Jia ◽  
Ting Xiao ◽  
Hari Viswanathan ◽  
...  
Keyword(s):  
Risk Assessment ◽  
Quantitative Methods ◽  
Co2 Storage ◽  
Risk Control ◽  
Lessons Learned ◽  
Phase Iii ◽  
Risk Elements ◽  
Response Planning ◽  
Regional Partnership ◽  
Risk Assessment And Management

This paper summarizes the risk assessment and management workflow developed and applied to the Southwest Regional Partnership on Carbon Sequestration (SWP) Phase III Demonstration Project. The risk assessment and management workflow consists of six primary tasks, including management planning, identification, qualitative analysis, quantitative analysis, response planning, and monitoring. Within the workflow, the SWP assembled and iteratively updated a risk registry that identifies risks for all major activities of the project. Risk elements were ranked with respect to the potential impact to the project and the likelihood of occurrence. Both qualitative and quantitative risk analyses were performed. To graphically depict the interactions among risk elements and help building risk scenarios, process influence diagrams were used to represent the interactions. The SWP employed quantitative methods of risk analysis including Response Surface Method (RSM), Polynomial Chaos Expansion (PCE), and the National Risk Assessment Partnership (NRAP) toolset. The SWP also developed risk response planning and performed risk control and monitoring to prevent the risks from affecting the project and ensure the effectiveness of risk management. As part of risk control and monitoring, existing and new risks have been tracked and the response plan was subsequently evaluated. Findings and lessons learned from the SWP’s risk assessment and management efforts will provide valuable information for other commercial geological CO2 storage projects.

scholarly journals Claims Made Insurance Policies in New Zealand and Australia: Should New Zealand Enact a Statutory Deeming Regime?

2021 ◽  
Author(s):  
◽  
Stephen Grant Bourne
Keyword(s):  
New Zealand ◽  
Law Reform ◽  
Insurance Law ◽  
Insurance Contracts ◽  
Insurance Policies ◽  
Trigger Event ◽  
Insured Person ◽  
Practical Effect

<p>A claims made policy protects an insured person or business in relation to claims made against that person or business during the policy period, regardless of when the cause of loss occurred, and regardless of when the claim is notified to the insurer (subject always to the terms of cover and the relevant law). The trigger event for a claim against the insurer is the receipt of the claim or demand by the insured. However, issues can arise when the insured has knowledge of circumstances that may lead to a claim, but the claim itself is delayed, a situation sometimes addressed by way of a contractual 'notice of circumstances' provision coupled with a deeming provision. The proposition in this dissertation is that New Zealand should have a statutory deeming regime affecting claims made insurance policies, similar to that contained within section 40 of Australia’s Insurance Contracts Act 1984 (Cth). However, to properly consider that proposition, it is necessary to review the context within which section 40 arose, its practical effect in that context, and the perceived issues that might be addressed in New Zealand by way of a statutory deeming regime. In particular, it is necessary to acknowledge the juxtaposition of sections 40 and 54 of the Insurance Contracts Act (Cth), and the implications of section 9 of New Zealand's Insurance Law Reform Act 1977.</p>

scholarly journals Insurance Law and the Principle of Indemnity in Light of Ridgecrest NZ Ltd v IAG New Zealand Ltd

2016 ◽  
Vol 47 (1) ◽  
pp. 73
Author(s):  
Kasia Ginders
Keyword(s):  
New Zealand ◽  
Supreme Court ◽  
Replacement Policy ◽  
Law Reform ◽  
Insurance Law ◽  
Insurance Contracts ◽  
The Supreme Court ◽  
Legal Test

When the Supreme Court discussed the principle of indemnity in Ridgecrest NZ Ltd v IAG New Zealand Ltd, it was referred to as "awkward" in the context of a replacement policy. The application of the indemnity principle in the case raises further questions about the nature of the principle in insurance contracts. It is submitted that the indemnity principle is currently enforceable not as a legal test nor as a policy-based presumption; rather, it is applicable mostly because it is presumed the parties intended it to apply. This conclusion draws on both consideration of the rationales and rules of, exceptions to, and law reform concerning the principle. It also draws on analysis of the principle in light of Ridgecrest and two other recent cases following the Christchurch earthquakes that deal with the principle of indemnity.

scholarly journals Claims Made Insurance Policies in New Zealand and Australia: Should New Zealand Enact a Statutory Deeming Regime?

2021 ◽  
Author(s):  
◽  
Stephen Grant Bourne
Keyword(s):  
New Zealand ◽  
Law Reform ◽  
Insurance Law ◽  
Insurance Contracts ◽  
Insurance Policies ◽  
Trigger Event ◽  
Insured Person ◽  
Practical Effect

<p>A claims made policy protects an insured person or business in relation to claims made against that person or business during the policy period, regardless of when the cause of loss occurred, and regardless of when the claim is notified to the insurer (subject always to the terms of cover and the relevant law). The trigger event for a claim against the insurer is the receipt of the claim or demand by the insured. However, issues can arise when the insured has knowledge of circumstances that may lead to a claim, but the claim itself is delayed, a situation sometimes addressed by way of a contractual 'notice of circumstances' provision coupled with a deeming provision. The proposition in this dissertation is that New Zealand should have a statutory deeming regime affecting claims made insurance policies, similar to that contained within section 40 of Australia’s Insurance Contracts Act 1984 (Cth). However, to properly consider that proposition, it is necessary to review the context within which section 40 arose, its practical effect in that context, and the perceived issues that might be addressed in New Zealand by way of a statutory deeming regime. In particular, it is necessary to acknowledge the juxtaposition of sections 40 and 54 of the Insurance Contracts Act (Cth), and the implications of section 9 of New Zealand's Insurance Law Reform Act 1977.</p>

UPAYA MEMPERTAHANKAN ERGONOMIK DAN PENCEGAHAN HAZARD PSIKOSOSIAL

2020 ◽  
Author(s):  
Lasdo Sevliyanti Tambunan
Keyword(s):  
Risk Assessment ◽  
Risk Control

Kegiatan di Rumah Sakit memiliki risiko berasal dari faktor fisik, kimia, biologi, ergonomi dan psikososial, variasi, ukuran, tipe dan kelengkapan Rumah Sakit menentukan tingkat risiko K3. Sumber bahaya yang ada di Rumah Sakit harus diidentifikasi dan dinilai untuk menentukan tingkat risiko, yang merupakan tolak ukur kemungkinan terjadinya kecelakaan akibat kerja dan penyakit akibat kerja. Kesehatan kerja merupakan suatu unsur kesehatan yang berkaitan dengan lingkungan kerja dan pekerjaan, yang secara langsung maupun tidak langsung dapat memengaruhi efisiensi dan produktivitas kerja. Sedangkan, keselamatan kerja merupakan suatu sarana utama untuk mencegah terjadinya kecelakaan kerja yang dapat menimbulkan kerugian berupa luka atau cidera, cacat atau kematian, kerugian harta benda, kerusakan peralatan atau mesin dan kerusakan lingkungan secara luas.Pada hakekatnya Keselamatan dan Kesehatan Kerja (K3) merupakan suatu usaha untuk menciptakan perlindungan dan keamanan dari berbagai risiko kecelakaan dan bahaya, baik fisik, mental maupun emosional terhadap pekerja, perusahaan, masyarakat dan lingkungan. Disamping itu, keselamatan dan kesehatan kerja diharapkan dapat menciptakan kenyamanan kerja dan keselamatan kerja yang tinggi.Bahaya (Hazard) adalah kondisi/keadaan pada suatu proses, alat, mesin, bahan atau cara kerja yang secara intrinsik / alamiah dapat menjadikan luka, cidera bahkan kematian pada manusia serta menimbulkan kerusakan pada alat dan lingkungan. Metode penulisan yang digunakan ialah dengan metode deskriptif. Dimana dilakukan dengan teknik pengumpulan data atau informasi dengan melakukan analisis, eksplorasi, kajian bebas (literatur review) yang relevan yang berfokus pada tema. Hasil yang dapat diperoleh yaitu, Upaya pengendalian bahaya ergonomi yaitu aktivitas kerja melakukan restrain, memandikan pasien, dan mengganti pakaian pasien adalah memahami SOP/SPO dalam melakukan pekerjaan. Dan Upaya pengendalianBahaya psikososial adalah menghindari rasa takut pada pekerjaan yang membuat PSIKOLOGI terganggu pada saat bekerja sehingga mengakibatkan penyakit akibat kerja dan kecelakaan kerja. Jadi, Identifikasi Bahaya (Hazards Identification), Penilaian Risiko (Risk Assessment) dan pengendalian Risiko (Risk Control) atau yang disingkat HIRARC merupakan suatu elemen pokok dalam sistem manajemen Keselamatan dan Kesehatan Kerja yang berkaitan dengan upaya pencegahan dan pengendalian bahaya.

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