icon_arrow_bulkyicon_arrow_thinicon_blogicon_bookmarkicon_calendaricon_chevron_closedicon_chevron_openicon_closeicon_commenticon_documenticon_downloadicon_eguideicon_globeicon_lawnowicon_linkedinicon_listicon_locationicon_mailicon_menuicon_newsicon_newslettericon_phoneicon_pinicon_printicon_replyicon_retweeticon_searchicon_shareicon_share_alticon_staricon_targeticon_thumbs_upicon_twittericon_uploadicon_user_cardicon_usersicon_xingicon_youtubeicon_blog icon_facebook

Our people

Our cross-border teams understand the details of your business and the environment you work in.

Show International team Show all people

Expertise

Show results

Sub-Expertise

Locations

Show results

Jurisdiction / Region

  • Loading...

More information

Expertise

CMS Worldwide

Selected jurisdiction

Types

Latest news

Press contact

Types

Recommended

Latest

Jurisdiction

Topics

Types

Next Events

Calendar

CMS on LinkedIn

Follow us

Insurance Regulatory lawyers

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.

CMS supports companies with advice on all forms of retail, commercial and wholesale insurance products, as well as life, protection, pensions and investments.

CMS' team of 'highly knowledgeable insurance experts' provides 'good commercial advice, short response times and great value for money'.
Legal 500 UK, 2015

CMS specialists are closely involved with EIOPA and PRA/FCA regulatory developments - including Solvency II and its broader impact on group structures, asset treatment and related transactions. We advise brokers, life offices, general insurers and other market participants (including Lloyd’s) on a broad range of advisory, contentious and transactional assignments. Our advice covers areas such as conflicts of interest, client money, remuneration structures, IDD, products and broader governance issues, a range of insurance issues subject to thematic review by FCA, claims and complaints handling, section 166 Skilled Person appointments, investigations and enforcement.

We also have in-depth expertise on regulation that impacts the assets, investments and balance sheet of insurers, including the regulatory environment for our specialist transactional assignments such as longevity risk transfer and alternative lending.

Read more Read less
 
Office



Language spoken






Level



Picture of Gilliatt Karagh
Karagh Gilliatt
Part­ner
United Kingdom, Edinburgh
Karagh Gilliatt is a partner in the firm’s Financial Services & Products Team and has over 10 years' experience in financial services law. Karagh specialises in regulated funds, asset and tr...
Paul Edmondson
Paul Edmondson
Part­ner
United Kingdom, London
Paul Edmondson is a partner in our Financial Services & Products team. He has over 20 years’ experience advising financial institutions on a range of regulatory and commercial issues. Clients include b...
Picture of Ash Saluja
Ash Saluja
Part­ner
Head of Financial Services & Products
United Kingdom, London
Ash Saluja has over 20 years of experience advising clients on regulatory and commercial matters. Clients include banks, broker-dealers, funds, investment managers and advisers, exchanges, platforms...
Picture of Alison McHaffie
Alison Mchaffie
Part­ner
United Kingdom, London
Alison McHaffie is a partner in the Financial Services and Products Team specialising in all types of contentious regulatory matters. She qualified at CMS in 1995 and has over 20 years of experience...
Picture of Morris Simon
Simon Morris
Part­ner
United Kingdom, London
Simon Morris is a partner in the firm’s Financial Services and Products team. He joined CMS London in 1980, qualified as a solicitor in 1982 and has been a partner since 1988. He specialises in ad...
Picture of Maxine Cupitt
Maxine Cupitt
Part­ner
United Kingdom, London
Maxine Cupitt is a partner in the Insurance and Reinsurance Group at CMS. She joined the firm in 1992, became a partner in 1999 and has worked with the insurance market for over 30 years. Having...
Pippa Tasker
Pippa Tasker
Part­ner
United Kingdom, London
Pippa is a partner in the Regulatory Financial Markets & Pensions Team. She advises on a wide range of regulatory and commercial issues affecting financial service providers and institutional...
Picture of Thomas Lockley
Thomas Lockley
Part­ner
United Kingdom, London
Thomas Lockley is a partner in CMS' Financial Services and Products team, specialising in derivatives, transactional (re)insurance and alternative risk and capital transfer. Thomas advises investment...
Nadia Lucherini
Nadia Lucherini
Seni­or As­so­ci­ate
United Kingdom, Aberdeen
Nadia is a dual qualified (Scotland and England & Wales) Senior Associate in the Insurance and Reinsurance team, based in Scotland. 
Michelle Radcliffe
Michelle Radcliffe
Seni­or As­so­ci­ate
Solicitor Advocate
United Kingdom, London
Michelle is a Senior Associate in the Insurance and Reinsurance department.