Library wiki
CR259 — Total under own occupation — employing others to do the labour
Keeping a business alive by substituting other people’s labour is not performing the insured occupation. On the policy definition he was totally and permanently incapacitated. (A separate occupation-change notification clause still mattered for prejudice.)
Where it is defined
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Ombud precedent
Keeping a business alive by substituting other people’s labour is not performing the insured occupation. On the policy definition he was totally and permanently incapacitated. (A separate occupation-change notification clause still mattered for prejudice.)