Practitioners opposing late amendments on the basis of lost cross-claims against insolvent subcontractors must adduce evidence establishing a viable insurance recovery path, not merely the existence of a certificate of currency; failure to investigate and present policy terms, scope of cover, and remaining indemnity limits will be fatal to the prejudice argument. The decision also confirms that settlement hiatus periods, while not formally pausing CPA obligations, will be considered in assessing reasonableness of delay where both parties refrained from seeking court orders.
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