The master`s policy involved claims against AIC members, their personal businesses, employers and the AIC for negligence in providing professional assessment services. The insurance policy is generally an integrated contract, that is, it covers all forms related to the agreement between the insured and the insurer. 10 However, in some cases, additional writings, such as letters sent after the final agreement, may make the insurance policy an un integrated contract. :11 An insurance manual states that, as a general rule, “the courts take into account all previous negotiations or agreements … any contractual clause in the policy at the time of delivery, as well as those who then wrote as political riders and notes … With the agreement of both parties, they are part of the written policy.  The manual also states that policy must refer to all documents that are part of the policy.  Oral agreements are subject to the rule of evidence and cannot be considered part of the directive if the contract appears to be a full right.
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