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A persistently soft market is one of the few predictable elements of working in the global (re)insurance industry. Most brokers, carriers, captives and corporate risk managers have been influenced by falling prices, and with few signs of a correction, companies must innovate, cut costs, seek out merger and partnership opportunities and do more with less.

Despite intense competition, (re)insurance is a magnet for new capital keen to take advantage of the stable returns offered by an established, highly regulated industry.

Long-term advisors to companies in the market, CMS’ award-winning Insurance & Reinsurance Group has adapted to support the requirements of an industry in a constant state of change.

While CMS is a historic market leader in (re)insurance dispute resolution and policy wordings, our teams also deliver a suite of specialisms that meet the needs of insurance and risk management professionals spanning every conceivable business objective.

The firm provides unique expertise in corporate advice on mergers and acquisitions, employment law to support brokers or insurers with a team or key personnel issue, property advice, structured finance and regulatory and compliance.

The CMS Insurance Practice has worked within the insurance and reinsurance markets for over half a century, supporting both carriers and intermediaries in the UK, Europe and beyond. Our long-term involvement in the sector means that we can support clients to make the most of these new opportunities and we understand the issues businesses are facing today.

Many of our lawyers have worked in the insurance sector, which means we understand the complexities of your markets. Wherever you require guidance, our multi-disciplinary specialists can help you.

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They offer so much knowledge of the market as well as being really helpful, giving commercial insight that adds real value.

Chambers UK, 2016

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    Insurance Corporate

    2015 saw in excess of USD 100bn in merger and acquisition activity across the global (re)insurance sector, with the expectation of more to come. The successful execution of corporate transactions in the insurance market requires corporate lawyers who understand the insurance sector, its unique risks and how they can be mitigated in a pragmatic and cost-effective manner.

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    Insurance Regulatory

    Resilient since the financial crisis, the insurance sector has not escaped the regulator’s tougher, more intrusive stance. Insurers must wrestle with UK reforms such as the new Senior Insurance Managers’ Regime, whilst coping with the operational realities of the Solvency II prudential rules and the rest of the EU agenda. Long-standing concerns face the industry, including those about the role of delegated authorities and the risks in outsourcing. In personal lines, responsibility for product design and governance is a key risk for both intermediaries and insurers.

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    Life Assurance

    The commercial, economic and regulatory environment for the life assurance industry has never been more challenging. Technology, historically low interest rates, increasing longevity, and the introduction of Solvency II are driving ever greater focus on risk and capital management, asset allocation and investment strategies, and achieving competitive advantage through new product development and distribution.

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    Policy Wording & Claims

    The global (re)insurance industry has more contracts in place, containing more nuanced information than its underwriters, brokers, captives and buyers could ever hope to read. Meanwhile, regulators are demanding clarity on the market’s exposures to emerging risks such as cyber and terrorism and a well-publicised tendency towards relaxing terms and conditions has increased this risk considerably.

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    Law-Now: In­sur­ance
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    10 October 2018
    IRG Fin­an­cial Lines Sem­inars
    IFA PI: s.39 FSMA and the scope of a Prin­cip­al’s li­ab­il­ity when ARs...
    The Court of Ap­peal has up­held the de­cision that the Prin­cip­al was not li­able for the acts of an AR for which the Prin­cip­al had not ac­cep­ted re­spons­ib­il­ity. The claims against the Prin­cip­al firm arose from the in­vest­ment ad­vice of one of the Prin­cip­al’s Ap­poin­ted.
    9 August 2018
    CMS Hong Kong main­tains growth mo­mentum adding In­sur­ance...
    Sent hame­ward tae think again - High Court in Eng­land has jur­is­dic­tion...
    Should where you are phys­ic­ally work­ing de­cide where the law says ser­vices are be­ing per­formed? In a claim brought in the High Court in Eng­land, a Scot­tish law firm sought a rul­ing that the courts of Eng­land and Wales did not have jur­is­dic­tion to de­term­ine.
    13 December 2017
    CMS strengthens In­sur­ance of­fer­ing with three-strong...
    Avi­ation: “ex­traordin­ary cir­cum­stances” with­in the Flight Pas­sen­ger...
    In Moens v Ry­anair Ltd, a Bel­gian Ma­gis­trate’s Court asked the Court of Justice of the European Uni­on (CJEU) to give a pre­lim­in­ary rul­ing on the mean­ing of “ex­traordin­ary cir­cum­stances” in the Flight Pas­sen­ger Rights Reg­u­la­tion (EC261/2004).
    4 December 2017
    Risk Mat­ters: In­sur­ance Sec­tor Up­date (Winter 2017/18)
    Li­ab­il­ity and the risks of sup­ply chain
    Re­cent news stor­ies in the UK have once again raised con­cerns over large sup­ply chains and food safety stand­ards. In June, it was re­por­ted that traces of lis­teria bac­teri­um were dis­covered in pre-pack­aged sand­wiches at eight dif­fer­ent NHS hos­pit­als around the.
    1 May 2017
    CMS, Nabarro and Olswang com­plete largest ever mer­ger...
    Cre­at­ing a new fu­ture-fa­cing firm
    Avi­ation: con­struc­tion of ex­clus­ive jur­is­dic­tion clause in de­clar­at­ory...
    The Court of Ap­peal re­cently provided a use­ful guide to the con­struc­tion of an ex­clus­ive jur­is­dic­tion clause with­in a series of con­tracts for the pur­chase of an air­craft. It up­held a claim for breach of the clause in re­spect of for­eign pro­ceed­ings brought by.
    24 January 2017
    In­sur­ance and Re­in­sur­ance Cov­er­age and Claims Ex­pert­ise
    Dam­aged bey­ond re­pair? Su­preme Court cla­ri­fies test for con­struct­ive...
    The Su­preme Court has giv­en wel­come clar­ity on the types (and tim­ing) of costs in­curred in re­la­tion to a dam­aged ship which may be con­sidered when as­sess­ing wheth­er the ves­sel was a con­struct­ive total loss.