Robert and George enter into a partnership to establish a conveyancing business. Robert handles all the insurance and fills out the proposal form.  

Robert is not aware of his partner’s business history.  Robert does not know that George has had a previous insurance claim denied on the basis of fraud or that George has a criminal conviction for receiving stolen goods.    

After they obtained insurance cover, the premises are burgled.   The Insurance Assessor’s report states that there did not appear to be any forced entry to the premises.  

After fifteen months of assessing the claim, the insurer refuses to pay.  

Advise Robert and George about the legal issues with the insurer.