{"id":6496,"date":"2023-09-28T18:34:29","date_gmt":"2023-09-28T22:34:29","guid":{"rendered":"https:\/\/www.millerthomson.com\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/"},"modified":"2025-09-12T18:15:05","modified_gmt":"2025-09-12T22:15:05","slug":"broker-negligence-no-coverage-claims-made-reported-professional-liability-policy","status":"publish","type":"post","link":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/","title":{"rendered":"Broker negligence and relief from forfeiture: Court finds no coverage for late-reported claim under excess \u201cclaims made and reported\u201d professional liability policy"},"content":{"rendered":"\n

In Kestenberg Siegal Lipkus v Royal & Sun Alliance Ins. Co. (\u201cKestenberg\u201d), <\/em>the Ontario Superior Court addressed an insurance dispute where an insured party failed to properly inform their insurer of a claim due to their broker\u2019s negligence. The insurance operated under a \u201cclaims made and reported\u201d policy, which strictly covers claims initiated and reported during the policy period.<\/p>\n\n\n\n

The insured held various policies, including a second excess professional liability policy, and they entrusted the negligent broker to relay a claim to their excess insurers. Although the broker notified the first excess insurer promptly, he failed to notify the second excess insurers in a timely manner. By the time the broker contacted the second excess insurers, the policy had expired and the insureds were denied coverage due to the policy\u2019s stringent notice requirement.<\/p>\n\n\n\n

The policy contained a notice provision, labeled \u201cCondition C,\u201d as follows:<\/p>\n\n\n\n

As a condition precedent to its rights under this policy, an Insured must provide written notice of any claim as soon as practicable.<\/p>\n\n\n\n

In addition, the policy contained a claims-made and reported condition, labelled \u201cCondition D,\u201d as follows:<\/p>\n\n\n\n

This policy only covers claims first made against the Insured and reported to the Insurer during the policy period and provided that such claim arises out of an act, error or omission committed or alleged to have been committed on or after the retroactive date set forth at Item. 6 of the Declarations.<\/p>\n\n\n\n

Buyer beware: The limitations of claims-made policies <\/h2>\n\n\n\n

Kestenberg<\/em> highlights the nature of claims-made policies, which offer limited coverage for lower premiums, but carry potentially expensive implications. The Court ruled against the insureds and emphasized the importance of adhering to strict policy terms, by stating that claims must be initiated and reported within the policy period. Although the insureds presented vigorous arguments that reflected their frustration, the Court noted the insureds had the opportunity to purchase an extended reporting period, but chose not to, thereby reinforcing the policy\u2019s claims-made and reported nature.<\/p>\n\n\n\n

Additionally, the Court commented on the inherent characteristics of claims-made policies, which are commonly characterized by their limited coverage in exchange for reduced premiums. The Court recognized these policies often carry with them the risk of coverage gaps and individuals should be aware of these risks when selecting such policy terms. In its decision, the Court noted that insurance policies do not need to explicitly label certain conditions as \u201cconditions precedent\u201d and that insureds are obliged to adhere to the precise stipulations of their respective policies. Ultimately, the Court confirmed that, as a matter of public policy, insurance policies should be construed in accordance with their unequivocal terms.<\/p>\n\n\n\n

The Court\u2019s rationale for denying relief<\/h2>\n\n\n\n

With respect to the relief from the notice requirement, the Court considered whether denying relief would inflict harm upon the insureds. The Court recognized the negligent broker had professional liability insurance that could respond to the claim in the event of refusal by the second excess insurer. The availability of relief, vis-\u00e0-vis the professional liability insurance of the broker, would be available for the insureds to pursue, and the Court\u2019s provision of relief would inherently translate into relief of the broker\u2019s insurer. Consequently, the Court did not see it necessary, from an equitable or contractual position, to grant relief where it was available within the relationship between the broker and their respective insurer.<\/p>\n\n\n\n

Takeaways: Read the fine print <\/h2>\n\n\n\n

Kestenberg <\/em>is a reminder that the Court is committed to upholding the precise stipulations outlined in insurance policies, even when complex legal scenarios emerge and insured are not necessarily the direct cause of their losses. Strict adherence, diligence and awareness are of paramount importance to safeguard one\u2019s interest in entitlement to insurance coverage.<\/p>\n\n\n\n

Should you have any questions or concerns, please feel free to reach out to a member of Miller Thomson’s Insurance Defence<\/a> team.<\/p>\n","protected":false},"excerpt":{"rendered":"

In Kestenberg Siegal Lipkus v Royal & Sun Alliance Ins. Co. (\u201cKestenberg\u201d), the Ontario Superior Court addressed an insurance dispute where an insured party failed to properly inform their insurer of a claim due to their broker\u2019s negligence. The insurance operated under a \u201cclaims made and reported\u201d policy, which strictly covers claims initiated and reported […]<\/p>\n","protected":false},"author":86,"featured_media":14367,"parent":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[525],"insight-format":[418],"class_list":["post-6496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"acf":[],"yoast_head":"\nBroker negligence and relief from forfeiture: Court finds no coverage for late-reported claim under excess \u201cclaims made and reported\u201d professional liability policy | Miller Thomson<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Broker negligence and relief from forfeiture: Court finds no coverage for late-reported claim under excess \u201cclaims made and reported\u201d professional liability policy | Miller Thomson\" \/>\n<meta property=\"og:description\" content=\"In Kestenberg Siegal Lipkus v Royal & Sun Alliance Ins. Co. (\u201cKestenberg\u201d), the Ontario Superior Court addressed an insurance dispute where an insured party failed to properly inform their insurer of a claim due to their broker\u2019s negligence. The insurance operated under a \u201cclaims made and reported\u201d policy, which strictly covers claims initiated and reported […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/\" \/>\n<meta property=\"og:site_name\" content=\"Miller Thomson\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MillerThomsonLaw\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-28T22:34:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-12T22:15:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1776\" \/>\n\t<meta property=\"og:image:height\" content=\"994\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Nyeisha Murray\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@millerthomson\" \/>\n<meta name=\"twitter:site\" content=\"@millerthomson\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nyeisha Murray\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/\"},\"author\":{\"name\":\"Nyeisha Murray\",\"@id\":\"https:\/\/www.millerthomson.com\/en\/#\/schema\/person\/8c49b710501a2ba22438ca72fb0c0c85\"},\"headline\":\"Broker negligence and relief from forfeiture: Court finds no coverage for late-reported claim under excess \u201cclaims made and reported\u201d professional liability policy\",\"datePublished\":\"2023-09-28T22:34:29+00:00\",\"dateModified\":\"2025-09-12T22:15:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/\"},\"wordCount\":663,\"publisher\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg\",\"articleSection\":[\"Insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":[\"WebPage\",\"ItemPage\"],\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/\",\"url\":\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/\",\"name\":\"Broker negligence and relief from forfeiture: Court finds no coverage for late-reported claim under excess \u201cclaims made and reported\u201d professional liability policy | Miller Thomson\",\"isPartOf\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg\",\"datePublished\":\"2023-09-28T22:34:29+00:00\",\"dateModified\":\"2025-09-12T22:15:05+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#primaryimage\",\"url\":\"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg\",\"contentUrl\":\"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg\",\"width\":1776,\"height\":994},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.millerthomson.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Broker negligence and relief from forfeiture: Court finds no coverage for late-reported claim under excess \u201cclaims made and reported\u201d professional liability policy\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.millerthomson.com\/en\/#website\",\"url\":\"https:\/\/www.millerthomson.com\/en\/\",\"name\":\"Miller Thomson\",\"description\":\"National law firm providing business law expertise and litigation and disputes services for businesses across Canada since 1957.\",\"publisher\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.millerthomson.com\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.millerthomson.com\/en\/#organization\",\"name\":\"Miller Thomson\",\"url\":\"https:\/\/www.millerthomson.com\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.millerthomson.com\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/miller-thomson.svg\",\"contentUrl\":\"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/miller-thomson.svg\",\"width\":380,\"height\":50,\"caption\":\"Miller Thomson\"},\"image\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/MillerThomsonLaw\/\",\"https:\/\/x.com\/millerthomson\",\"https:\/\/www.linkedin.com\/company\/miller-thomson-llp\/\",\"https:\/\/www.youtube.com\/@millerthomson\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.millerthomson.com\/en\/#\/schema\/person\/8c49b710501a2ba22438ca72fb0c0c85\",\"name\":\"Nyeisha Murray\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.millerthomson.com\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ec01113c3c7208ac683f05f5b7f25e187ddf5deabc82d0d9e12aeca8d3b9c851?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ec01113c3c7208ac683f05f5b7f25e187ddf5deabc82d0d9e12aeca8d3b9c851?s=96&d=mm&r=g\",\"caption\":\"Nyeisha Murray\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Broker negligence and relief from forfeiture: Court finds no coverage for late-reported claim under excess \u201cclaims made and reported\u201d professional liability policy | Miller Thomson","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/","og_locale":"en_US","og_type":"article","og_title":"Broker negligence and relief from forfeiture: Court finds no coverage for late-reported claim under excess \u201cclaims made and reported\u201d professional liability policy | Miller Thomson","og_description":"In Kestenberg Siegal Lipkus v Royal & Sun Alliance Ins. Co. (\u201cKestenberg\u201d), the Ontario Superior Court addressed an insurance dispute where an insured party failed to properly inform their insurer of a claim due to their broker\u2019s negligence. The insurance operated under a \u201cclaims made and reported\u201d policy, which strictly covers claims initiated and reported […]","og_url":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/","og_site_name":"Miller Thomson","article_publisher":"https:\/\/www.facebook.com\/MillerThomsonLaw\/","article_published_time":"2023-09-28T22:34:29+00:00","article_modified_time":"2025-09-12T22:15:05+00:00","og_image":[{"width":1776,"height":994,"url":"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg","type":"image\/jpeg"}],"author":"Nyeisha Murray","twitter_card":"summary_large_image","twitter_creator":"@millerthomson","twitter_site":"@millerthomson","twitter_misc":{"Written by":"Nyeisha Murray","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#article","isPartOf":{"@id":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/"},"author":{"name":"Nyeisha Murray","@id":"https:\/\/www.millerthomson.com\/en\/#\/schema\/person\/8c49b710501a2ba22438ca72fb0c0c85"},"headline":"Broker negligence and relief from forfeiture: Court finds no coverage for late-reported claim under excess \u201cclaims made and reported\u201d professional liability policy","datePublished":"2023-09-28T22:34:29+00:00","dateModified":"2025-09-12T22:15:05+00:00","mainEntityOfPage":{"@id":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/"},"wordCount":663,"publisher":{"@id":"https:\/\/www.millerthomson.com\/en\/#organization"},"image":{"@id":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#primaryimage"},"thumbnailUrl":"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg","articleSection":["Insurance"],"inLanguage":"en-US"},{"@type":["WebPage","ItemPage"],"@id":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/","url":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/","name":"Broker negligence and relief from forfeiture: Court finds no coverage for late-reported claim under excess \u201cclaims made and reported\u201d professional liability policy | Miller Thomson","isPartOf":{"@id":"https:\/\/www.millerthomson.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#primaryimage"},"image":{"@id":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#primaryimage"},"thumbnailUrl":"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg","datePublished":"2023-09-28T22:34:29+00:00","dateModified":"2025-09-12T22:15:05+00:00","breadcrumb":{"@id":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#primaryimage","url":"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg","contentUrl":"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg","width":1776,"height":994},{"@type":"BreadcrumbList","@id":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/broker-negligence-no-coverage-claims-made-reported-professional-liability-policy\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.millerthomson.com\/en\/"},{"@type":"ListItem","position":2,"name":"Broker negligence and relief from forfeiture: Court finds no coverage for late-reported claim under excess \u201cclaims made and reported\u201d professional liability policy"}]},{"@type":"WebSite","@id":"https:\/\/www.millerthomson.com\/en\/#website","url":"https:\/\/www.millerthomson.com\/en\/","name":"Miller Thomson","description":"National law firm providing business law expertise and litigation and disputes services for businesses across Canada since 1957.","publisher":{"@id":"https:\/\/www.millerthomson.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.millerthomson.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.millerthomson.com\/en\/#organization","name":"Miller Thomson","url":"https:\/\/www.millerthomson.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.millerthomson.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/miller-thomson.svg","contentUrl":"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/miller-thomson.svg","width":380,"height":50,"caption":"Miller Thomson"},"image":{"@id":"https:\/\/www.millerthomson.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/MillerThomsonLaw\/","https:\/\/x.com\/millerthomson","https:\/\/www.linkedin.com\/company\/miller-thomson-llp\/","https:\/\/www.youtube.com\/@millerthomson"]},{"@type":"Person","@id":"https:\/\/www.millerthomson.com\/en\/#\/schema\/person\/8c49b710501a2ba22438ca72fb0c0c85","name":"Nyeisha Murray","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.millerthomson.com\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/ec01113c3c7208ac683f05f5b7f25e187ddf5deabc82d0d9e12aeca8d3b9c851?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ec01113c3c7208ac683f05f5b7f25e187ddf5deabc82d0d9e12aeca8d3b9c851?s=96&d=mm&r=g","caption":"Nyeisha Murray"}}]}},"_links":{"self":[{"href":"https:\/\/www.millerthomson.com\/en\/wp-json\/wp\/v2\/posts\/6496","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.millerthomson.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.millerthomson.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.millerthomson.com\/en\/wp-json\/wp\/v2\/users\/86"}],"replies":[{"embeddable":true,"href":"https:\/\/www.millerthomson.com\/en\/wp-json\/wp\/v2\/comments?post=6496"}],"version-history":[{"count":0,"href":"https:\/\/www.millerthomson.com\/en\/wp-json\/wp\/v2\/posts\/6496\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.millerthomson.com\/en\/wp-json\/wp\/v2\/media\/14367"}],"wp:attachment":[{"href":"https:\/\/www.millerthomson.com\/en\/wp-json\/wp\/v2\/media?parent=6496"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.millerthomson.com\/en\/wp-json\/wp\/v2\/categories?post=6496"},{"taxonomy":"insight-format","embeddable":true,"href":"https:\/\/www.millerthomson.com\/en\/wp-json\/wp\/v2\/insight-format?post=6496"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}