Library wiki

CR259 — Total under own occupation — employing others to do the labour

Keeping a business alive by substituting other people’s labour is not performing the insured occupation. On the policy definition he was totally and permanently incapacitated. (A separate occupation-change notification clause still mattered for prejudice.)

Where it is defined

• Ombud precedent

  Keeping a business alive by substituting other people’s labour is not performing the insured occupation. On the policy definition he was totally and permanently incapacitated. (A separate occupation-change notification clause still mattered for prejudice.)

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See also

• Total vs partial disability
• Own occupation
• Material duties