Premises Damian Glynn - Teceris

Premises Premises as a defined term Contrast with MD Buildings cover Material Damage Proviso

Premises Whole site or just the buildings? Car Parks and Access Roads Multi tenanted buildings Shopping Centres MD Sums Underinsurance and BI cover

Premises Denial of Access claims Utility Failure claims Consistency

Purchases

Policy Wording –includes Purchases? Annual Declaration – same wording as policy? Accounting records – use the term Purchases?

Purchases Riley Hickmott Dictionary Technical term or everyday usage?

Purchases Accounts Designation clause Statutory Accounts Management Accounts Interim Statements Budgets

Purchases Uninsuring Purchases Contractual commitments Commercial Commitments Stepped volume discounts