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An insurer who wants to avoid a policy must prove a material non-disclosure by the insured on a balance of probabilities.
A recycling company (materially represented) that its recycling was 80% aluminium, 20% iron/steel with small amounts of non-metals when in fact plastics and paper exceeded 50% of the recycling.
Do you think short-term insurance broking will survive the AI plus humanoid robotics age?