Tort Analysis

Question A)
Tort and quasi tort is found in chapter 16 of the civil code of Malta deals with damages. The various articles relating to damages include:
- 1029 – if something were to occur due to an event beyond anyone’s control, the damage will have to be borne by the aggrieved party
- 1031 - if damage is done through own fault, that person is liable to damage.
- 1032 - parties shall be at fault if that person does not act in a diligent, prudent and attentive manner. If this is not the case, the person is not liable an objective test is done by comparing the person in question to a model. The subjective test is more based on factors such are things which are not disclosed and utmost good faith.
- 1033 – A person who acts in a negligent manner

An example of an insurance cover that is claims made is professional indemnity.
Advantages
- Usually the policy covers a specific period and so it is not difficult to identify that period.
- There is the possibility that there is an ongoing relationship between the parties and this can help facilitate claims handling
- The persons that have dealt with policy negotiations are most likely still around to clarift any uncertainties in the insurance cover.
- Since the policy is renewed annually, there is the possibility that the policy is upgraded in the terms of policy coverage and also limits. This is to satisfy the ongoing needs of the insured which may vary from ear to year. There can be legal requirements that can influence these

Health and safety regulations are there so that the risks of physical injury or sickness, death or disease are reduced. In other words health and safety rules are there to give a safer environment to all people involved. When one says safe environment one means a place where sickness that arise from dust particles, chemical substance and operational activity are kept to a very minimal, a place where dangers that might cause bodily harm are reduced and a place which protects the involved parties against conditions such as mental