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Policy Wording & Claims lawyers

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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Zoe Burge
Zoe Burge
Part­ner
United Kingdom, Bristol
Zoe Burge is a partner and Solicitor Advocate in the Insurance & Reinsurance Group of CMS UK. Zoe has worked in the London insurance market since 2008 and has a background in commercial disputes. Zoe...
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 defended...
Alex Denslow
Alex Denslow
Part­ner
Head of the CMS Insurance Group
United Kingdom, London
Alex Denslow is Head of the CMS Insurance Group. In this position, he leads an international team of 100 specialist lawyers.He is a recommended partner in Chambers and Legal 500 for insurance / reinsurance...
Carl Dray
Carl Dray
Part­ner
United Kingdom, Sheffield
Carl is a Partner in our Dispute Resolution group. Carl, and his team, defend a range of personal injury claims from high value seven figure sum catastrophic claims to smaller claims with either a strategic...
Ed Foss
Ed Foss
Part­ner
Head of the Insurance and Reinsurance Group
United Kingdom, London
Ed Foss is a partner and Head of the Insurance and Reinsurance Group at CMS. Ed has over 20 years’ experience advising insurers and insurance brokers on liability issues as well as acting for other...
Martin Fox
Martin Fox
Part­ner
United Kingdom, London
Martin Fox is a partner in the Insurance & Reinsurance group specialising in construction professional indemnity claims for consulting engineers, architects, design and build contractors, quantity surveyors...
Simon Garrett
Simon Garrett
Part­ner
United Kingdom, London
Simon Garrett is a partner in the Insurance Team. He has worked as a lawyer in the London insurance market since 2001.  He acts for a variety of insurers, intermediaries and their insureds in defence...
Cheryl Gibson
Cheryl Gibson
Part­ner
United Kingdom, Bristol
Cheryl Gibson is a partner in our Disputes team.  She specialises in PI, financial services claims and construction, both CAR and disputes against construction professionals. She also advises on a variety...
Robert Jones
Robert Jones
Part­ner
United Kingdom, Bristol
Robert is a Partner in the Insurance and Reinsurance Group. He is based in Bristol and has acted in a variety of professional indemnity defence work and insurance coverage issues since 2008.Robert’s...
Simon Kilgour
Simon Kilgour
Part­ner
United Kingdom, London
Simon Kilgour is a partner in our Insurance Team and acts for (re)insurers on complex, high value claims and non-standard coverage disputes or market issues. His work is mainly international.  Simon...