1. When the businesses (insureds) claimed under their general insurance policies their claim for business interruption losses, they were denied on the basis that the COVID 19 pandemic was not covered by their policy. Provide reasons as to with changes as these, is the Insurance industry in Australia heading towards a hardening m

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1. When the businesses (insureds) claimed under their general insurance policies their claim for business interruption losses, they were denied on the basis that the COVID 19 pandemic was not covered by their policy. Provide reasons as to with changes as these, is the Insurance industry in Australia heading towards a hardening market or a soft market ?

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