The following information is designed to provide helpful general guidance on some key issues relevant to Risk Management and Insurance. It should not be considered as legal advice. Insurance Brokers do not give legal advice. It will not cover everything that may be relevant to the subjects discussed and does not take into account individual circumstances. It is only current as at the date of release. Individuals must ensure that they seek appropriate professional advice in relation to these topics as well as to the currency, accuracy and relevance of this material.