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Insurance Regulatory

United Kingdom

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.

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Law-Now: In­sur­ance
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4 December 2017
Risk Mat­ters: In­sur­ance Sec­tor Up­date (Winter 2017/18)
The latest edi­tion of Risk Mat­ters, high­light­ing is­sues im­pact­ing the in­sur­ance sec­tor, is now avail­able to down­load from our web­site.High­lights in­clude an as­sess­ment of this year’s $100bn North Amer­ic­an...
11 August 2016
In­sur­ance is­sues: key is­sues for the in­sur­ance mar­ket - Sum­mer 2016
Wel­come to the Sum­mer 2016 edi­tion of In­sur­ance Is­sues, our six-monthly look at key is­sues and de­vel­op­ments af­fect­ing dif­fer­ent areas of busi­ness in the in­sur­ance mar­ket.Af­fect­ing all areas, Brexit...
27/05/2016
Risk Mat­ters: In­sur­ance Sec­tor Up­date (Spring 2016)
Wel­come to the 2016 Spring edi­tion of Risk Mat­ters, our In­sur­ance Sec­tor news­let­ter pre­pared for CMS cli­ents and con­tacts to keep you abreast of sig­ni­fic­ant de­vel­op­ments and is­sues af­fect­ing the in­sur­ance...
14/12/2015
In­sur­ance Is­sues
Wel­come to the Decem­ber 2015 edi­tion of In­sur­ance Is­sues, our bi-an­nu­al re­view of key is­sues af­fect­ing the in­sur­ance mar­ket. In In­sur­ance Is­sues we look not only at claims trends and key leg­al and reg­u­lat­ory...
22/06/2015
In­sur­ance Is­sues (June 2015): Key is­sues for the in­sur­ance mar­ket
CM­S' In­sur­ance and Re­in­sur­ance Group has is­sued the June 2015 edi­tion of In­sur­ance Is­sues, a six-monthly re­view of key is­sues and claims trends for the in­sur­ance mar­ket.Feb­ru­ary saw the passing of the...
15/12/2014
In­sur­ance Is­sues
IRG has is­sued the Decem­ber 2014 edi­tion of In­sur­ance Is­sues, a six-monthly look at claims trends and key is­sues for the in­sur­ance mar­ket.
01/09/2014
10 things every in­surer should know about Cent­ral East­ern Europe
The aim of this bro­chure is to provide an in­form­at­ive in­tro­duc­tion to the key areas of con­cern for an in­surer when con­sid­er­ing es­tab­lish­ing op­er­a­tions in 14 jur­is­dic­tions of Cent­ral and East­ern Europe...
17/07/2014
Risk Mat­ters: In­sur­ance Sec­tor news­let­ter Sum­mer 2014
Risk Mat­ters is our quarterly up­date on the latest themes and sub­jects af­fect­ing do­mest­ic and in­ter­na­tion­al in­sur­ance mar­kets.High­lights from this edi­tion in­clude:FCA’s Them­at­ic Re­view in­to broker con­flictsCon­sumer...
14/07/2014
In­sur­ance Reg­u­lat­ory Cap­ab­il­ity
Our in­sur­ance ex­perts ad­vise on the rules im­pact­ing the design, dis­tri­bu­tion, sale and claims re­gime for a wide vari­ety of in­sur­ance products in­clud­ing most types of per­son­al line products that are sub­ject...
30/05/2014
CMS named ‘top over­all law firm for all leg­al deal­ings’ in Re­ac­tions’ In­sur­ance...
CMS has been named the ‘top over­all law firm for all leg­al deal­ings’ in the Re­ac­tions’ In­sur­ance and Re­in­sur­ance Leg­al Sur­vey 2014.The sur­vey, con­duc­ted by in­dustry-lead­ing pub­lic­a­tion Re­ac­tions...
28/03/2014
Cor­por­ate In­sur­ance Cap­ab­il­ity
Our award-win­ning Cor­por­ate team is re­cog­nised as one of the largest and most ex­per­i­enced in Europe.Our CMS net­work of in­ter­na­tion­al law­yers in­cludes over 600 cor­por­ate law­yers who ad­vise on trans­ac­tions...
28/03/2014
Risk Mat­ters: In­sur­ance Sec­tor up­date Spring 2014
Risk Mat­ters is our quarterly up­date on the latest themes and sub­jects af­fect­ing do­mest­ic and in­ter­na­tion­al in­sur­ance mar­kets.In this is­sue, we ex­plore emer­ging top­ics that po­s­i­tion the in­sur­ance in­dustry...