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Policy Wording & Claims

United Kingdom

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.

CMS’ market-leading policy wording and claims practitioners are at the apex of current legal thinking, helping (re)insurers, brokers and risk managers to solve disputes and manage exposures in new and dynamic ways.

Our Policy Wording & Claims Group regularly handles disputes across all classes of business in addition to advising on non-contentious matters. This includes advising on policy wordings both domestically and internationally.

The firm has a team of over 100 lawyers based in London, Bristol, Scotland and most jurisdictions across Europe. Combining our global coverage with our award-winning Re-Word technology and our Clause Match software, we are able to deliver flexible, efficient and cost-effective advice to our clients.

Re-Word and Clause Match are online reinsurance wordings services that enable reliable checks of entire contract portfolios. Users are able to then ascertain which contracts contain or have an absence of key clauses or contract terms which could determine coverage of a particular (re)insured peril.

Deployed by underwriting teams, these tools enable checks of 100% of contracts at renewal rather than just a fraction using manual systems. This highly innovative solution provides a level of automation in complex commercial contract and legal risk which has not been possible before and looks set to provide a template for many years to come.

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High­lights of our ex­per­i­ence in Policy Word­ing & Claims in the UK
Clark v In-Fo­cus As­set Man­age­ment on a case widely re­por­ted in the UK na­tion­al me­dia. Alex Denslow se­cured a wel­come vic­tory on be­half of the in­sur­ance and re­in­sur­ance in­dustry. The de­cision over­turned...
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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.
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...
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...
11/04/2014
In­sur­ance Is­sues - Key is­sues for the in­sur­ance mar­ket April 2014
Wel­come to the Spring 2014 edi­tion of In­sur­ance Is­sues, our six-monthly look at claims trends and key is­sues for the in­sur­ance mar­ket.With the Con­sumer In­sur­ance (Dis­clos­ure and Rep­res­ent­a­tions) Act 2012...
28/03/2014
Cy­ber Li­ab­il­ity and Me­dia In­sur­ance Cap­ab­il­ity
Cy­ber at­tacks, data se­cur­ity and sys­tem in­teg­rity rep­res­ent a very real danger to busi­ness – across all in­dus­tries and sec­tors. Cy­ber is no longer a “tech” is­sue to be dealt with by the IT de­part­ment:...
28/03/2014
Prop­erty In­sur­ance Cap­ab­il­ity
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. Our many lead­ing in­di­vidu­als...
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...