The year 2005 was undoubtedly an annus horribilis for the insurance industry. However, away from the headlines, it was business as usual for the industry's lawyers. This article considers a few of the year's most significant English legal decisions and their practical consequences for insurers and reinsurers.1. (Re)insurers must retain copies of important documentsThe case of Goshawk Dedicated Limited and Others v Tyser & Co Ltd and Others  EWCH 461 concerned the assured's (Tyser's) re
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