1. Premises Damian Glynn - Teceris

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

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

4. Premises Denial of Access claims Utility Failure claims Consistency

5. Purchases

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

7. Purchases Riley Hickmott Dictionary Technical term or everyday usage?

8. Purchases Accounts Designation clause Statutory Accounts Management Accounts Interim Statements Budgets

9. Purchases Uninsuring Purchases Contractual commitments Commercial Commitments Stepped volume discounts