[1993] 2 ReLR 350; [1993] 2 Lloyd’s Rep. 225

Gavin Kealey – Pool – Authority – Fronting – Excess of loss treaty underwritten by pool underwriter – Whether pool member used as front in treaty was party to treaty – Whether pool underwriter was authorized expressly to bind pool member for percentage lines exceeding percentage stated in pool agreement – Construction of pool agreement – Whether pool underwriter had apparent or ostensible authority to use pool member as front – Whether pool member had ratified treaty – Interest on loss settlements.