was seriously damaged. On returning home from their vacation the Rusholmes formd their home in ruins, and were dismayed to discover that they had neglected to renew the fire insurance policy, which had expired only a few days before they had left on vacation. The Rusholmes brought an action for damages against the firm of Saunders and Watts Ltd. and against Standard Household Products Ltd. As you have been retained by the Rusholmes as their lawyer advise them on what unintentional tort would most likely be the basis of their lawsuit and what has be established by them in order to be successful. Please anticipate any defences that either defendant could raise and whether Vicarious or primary liability applies