Surely all the evidence that would be required would be a couple of quotes from reputable insurers with the nefarious premises included and matching quotes with them excluded,
I have never ended up at NCAT to know what their burden of evidence is.
In my experience it was a tenant’s activity causing the increase and it was very difficult to get anything from the broker/insurers about specifically who and why there was such an increase.
The OC made a request to the lot owner to cover the increase once sufficient information was gathered and the lot owner refused. They did however evict their tenant and the insurance went back down.