Ten Judgments, One Playbook: What Insurers Need to Know About US Coverage Trends
Over the past few months, Jean-Paul Rudd, Partner at Adams & Adams, has unpacked ten US judgments shaping how courts read policy wording, apply exclusions and define the limits of indemnity. From consent-to-settle risk to contextual interpretation of exclusions, this collection distils the principles insurers need on their radar.
Insurance coverage disputes often turn on the precise construction of policy wording, the application of exclusions and the scope of an insurer’s obligations. This serious looks beyond the outcome of each US judgement to unpack the legal principle at work, and why it matters when assessing coverage disputes here.
Explore the articles below to see how courts are interpreting coverage, where the limits of indemnity are being drawn, and the issues that can determine whether cover responds.
Serving Up Liability: Negligence, Res Ipsa Loquitur and Defective Food
The respondent went out to dinner with her husband at a restaurant run by the appellant, and both of them ordered hamburgers. Halfway through her meal she felt something stuck in her throat. She cough...
October 20 2026
Year-End Functions and the Question of Liability: What Employers and Insurers Should Consider
As the festive season approaches and offices across South Africa gear up for year-end celebrations, employers would do well to pause before popping the champagne. Behind the glitter and goodwill of th...
October 07 2026
Frozen Accounts and Fraudulent Funds: Navigating the Rights of Banks, Customers and SARS
A recent judgment of the High Court has affirmed the right of a bank to freeze a customer’s account without prior notice where it reasonably suspects that the account has received the proceeds o...
September 30 2026