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Insurance

The CMS insurance practice is a trusted adviser and partner to a broad range of insurance clients, including some of the largest and most innovative companies in the sector.

Our Insurance and Reinsurance Group is a recognised market leader and is consistently ranked among the UK’s top legal insurance practices in the leading legal directories. We regularly handle large, complex claims as well as advising on non-contentious matters, including advising on policy wordings and regulatory issues, both domestically and internationally.

We are part of a full service commercial law firm and are able to call on specialist support from market leading colleagues across a range of disciplines, including tax, pensions, competition, financial services regulation, employment, corporate, banking and international finance, construction, energy and projects, real estate, planning, environmental and health and safety. The fact that we can offer that expertise in London, Bristol, Sheffield, Scotland and Hong Kong (as well as across the entire CMS network), and that we have been doing so successfully for so long, sets us apart from our competitors.

Our team of lawyers, many of whom have prior experience in the insurance sector, possesses a deep understanding of the complexities within your markets. Wherever guidance is required, our multi-disciplinary specialists are ready to provide assistance.

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Aviation
CMS’ aerospace team has broad experience of advising reinsurers, insurers and insureds on various aspects of aerospace liability and insurance &
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Construction & Energy
We have an experienced team of lawyers who advise on construction, property and energy claims and policies. CMS’ specialist team handles claims
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Cyber
The risk of cyber attacks and of system failures which compromise data security present an ever‑growing risk for companies operating both inside
Defendant Personal Injury
The CMS Defendant Personal Injury team is ranked Tier 1 in the Legal 500 and specialises in the defence of personal injury claims on behalf of public
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Directors’ & Officers’ Liability
We have an experienced team of lawyers who advise on directors' and officers' matters. Our team deals with coverage, monitoring and defence work for i
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Financial Institutions
Our team has wide ranging experience in dealing with large, complex cases as well as the smaller day-to-day claims in relation to the Financial Instit
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Healthcare, Social Care and Life Sciences
We have an experienced team of lawyers who advise in respect of matters relating to Healthcare, Social Care and Life Sciences. CMS’ specialist t
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Insurance Corporate
The successful execution of corporate transactions in the insurance market requires corporate lawyers who understand the insurance sector, its unique
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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
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Life Assurance
The commercial, economic and regulatory environment for the life assurance industry has never been more challenging.  Technology, historically lo
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Marine
CMS’ highly experienced marine insurance team acts for Lloyd’s syndicates, London market and international corporate insurers and reinsure
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Other Classes
We have an experienced team of lawyers who advise on a variety of other classes of business. CMS’ specialist team handles claims of all sizes, u
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Professional Negligence
We have an experienced team of lawyers who advise on professional negligence claims. Our teams deal with coverage, monitoring and defence work. CMS&rs
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Reinsurance
Our Reinsurance team is one of the leading reinsurance practices in the market. We act on the largest and most complex reinsurance litigation and arbi
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Warranty & Indemnity Liability
We have been working closely with the insurance market since the emergence of this class of business some 20 years ago, both in the UK and in various
Law-Now: Insurance
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17/04/2024
APP fraud – Quincecare duty claims against banks replaced by new “retrieval...
The recent decision in CCP Graduate School Ltd v National Westminster Bank plc and another [2024] EWHC 581 (KB), demonstrates how Claimants are repositioning claims against banks arising from authorised...
15/04/2024
Fundamentally dishonest claimant’s claim dismissed: s.57 of the Criminal...
In Kirsty Williams- Henry v Associated British Ports Holdings Ltd [2024] EWHC 806 (KB), a claimant who had sustained serious injuries following her fall from a pier in 2018 had her claim dismissed because...
10/04/2024
FCA Consultation on Payment Optionality for Investment Research (CP24/7)
On 10 April 2024, the FCA published a consultation on Payment Optionality for Investment Research (CP24/7). In the consultation, the FCA proposes a new option for asset managers when paying for investment...
04/04/2024
Supreme Court ruling on the correct approach for assessing PSLA in “mixed...
In a judgment welcomed by claimants, the Supreme Court has upheld the Court of Appeal’s decision in the case of Hassam & Anor v Rabot & Anor [2023] EWCA Civ 19 in respect of the correct approach to...
04/04/2024
Lexology Masterclass: The future of AI in financial services, where innovation...
On 29 February, our CMS Financial Services Regulatory team and Nextwave hosted a Lexology Masterclass on the future of AI in financial services. In this webinar, we offered practical insights into how...
28/03/2024
FCA Publishes Finalised Guidance on Financial Promotions on Social Media
The Financial Conduct Authority (“FCA”) has published its finalised guidance on financial promotions on social media (FG24/1) (the “Guidance”). This follows a consultation carried out by the FCA...
27/03/2024
Margin of error crucial in defeating negligence claim against valuer
A recent High Court judgment demonstrates the vital importance of the margin of error in claims against valuers, and the need to focus on the valuation result rather than the process.In Bratt v Jones...
20/03/2024
Court of Appeal clarifies legal test of reasonable foreseeability in mesothelioma...
The Court of Appeal has issued important guidance on the legal test to be applied in establishing liability in asbestos-related mesothelioma claims. In a number of cases the Judgment will make it harder...
20/03/2024
Court of Appeal determines costs budgeting issue in personal injury claims...
The Court of Appeal has decided that in principle, the Claimant’s solicitors’ costs of attending rehabilitation case management meetings are recoverable as costs of an action.This judgment is significant...
18/03/2024
Financial Services Webinars On Demand
Click here to view recordings of CMS financial services we­binars avail­able on de­mand. We­binars are a convenient way to stay informed and hear from our legal experts. medium
13/03/2024
Court of Appeal rules that defence of illegality in civil claim is not...
In Lewis-Ranwell v G4S Health Services (UK) Ltd and others [2024] EWCA Civ 138, the Court of Appeal recently held, by a majority of 2 to 1, that where a person has committed a crime, but has been found...
07/03/2024
University’s Duties towards Disabled Student - The University of Bristol...
This judgment concerns the tragic case of a second-year physics student at the University of Bristol (the “Uni­ver­sity”) who ended her own life in April 2018. She had been diagnosed with depression...