Insurance policy is literally a contract between the insurer and the insured. Disputes may arise from areas including:
- Material non-disclosure;
- Wrongful repudiation;
- Declarations;
- Waivers; and
- the meaning and effect of warranties and conditions; and
- Fraudulent misrepresentation.

Members of Pacific Chambers have appeared on behalf of the insured and insurer in various insurance litigations and related regulatory issues.