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Portrait of Michelle Radcliffe

Michelle Radcliffe

Senior Associate
Solicitor Advocate

CMS Cameron McKenna Nabarro Olswang LLP
Cannon Place
78 Cannon Street
United Kingdom
Languages English, German

Michelle is a Senior Associate in the Environmental and regulatory team at CMS. She regularly advises clients on various aspects of UK Net Zero Strategy, the European Green Deal, Circular Economy and wider sustainability and climate change issues. She also provides advice to companies on environmental risk management, particularly in the areas of waste and recycling.

Michelle spent a number of years in the Firm’s insurance team, where as well as advising insurers on policy coverage and acting in the defence of claims, she also developed a specialism in advising insurers and reinsurers on climate change risks likely to impact their underwriting books (spanning from Construction PI to D&O, FI/PI to corporate transactional insurance and product liability to employers’ liability). This required here to keep abreast of both regulatory and claims’ trends likely to increase liability risks for policyholders, and paved her way to move to the Environmental team.

Michelle has a unique insight into the Environmental/insurance risk landscape, given her understanding of risk, liability and risk solutions.

Michelle has been on secondments with different insurers in the legal, claims and underwriting departments.

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  • 2005 – Legal Practice Course, College of Law, Guildford
  • 2004 – Graduate Diploma in Law, College of Law, Guildford
  • 2003 – 1st Class Hons degree, Politics with European Study, University of Exeter
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Cli­mate Trans­ition Plans: UK call for evid­ence launched
Un­til 13 Ju­ly 2022 com­ments are sought on the ap­proach to be ad­op­ted for cli­mate trans­ition plans for UK com­pan­ies and fin­an­cial in­sti­tu­tions. Launched by the Trans­ition Plan Taskforce (‘TPT’), man­dated...
Pro­posed man­dat­ory cor­por­ate sus­tain­ab­il­ity due di­li­gence re­quire­ments...
On 23 Feb­ru­ary 2022, the European Com­mis­sion ad­op­ted a long-awaited pro­pos­al for a Dir­ect­ive on cor­por­ate sus­tain­ab­il­ity due di­li­gence for widely-defined spe­cified “com­pan­ies”. The pro­pos­als are wide...
Pro­posed UK elec­tron­ic track­ing sys­tem for waste & change to Eng­lish waste...
Un­til 15 April two ma­jor waste con­sulta­tions are open for com­ment. First, a UK wide con­sulta­tion on the in­tro­duc­tion of man­dat­ory di­git­al waste track­ing; and secondly, a con­sulta­tion on the re­form of...
Cli­mate Change and the In­sur­ance Sec­tor - June 2021
In this edi­tion we dis­cuss Lloyd’s ‘Fu­ture­set’, the ABI sus­tain­able in­sur­ance ini­ti­at­ive, claims against Shell to cut emis­sions and per­spect­ives from New Zea­l­and and Aus­tralia. 
Cli­mate Change and the In­sur­ance Sec­tor monthly news - Janu­ary 2021
In this edi­tion we ex­plore the find­ings of The UN En­vir­on­ment­al Pro­gramme’s Glob­al Cli­mate Lit­ig­a­tion Re­port; losses from nat­ur­al dis­asters; and the PRA’s 2021 in­sur­ance su­per­vi­sion pri­or­it­ies; amongst...
Fu­ture Fa­cing Dis­putes - Cli­mate Change We­bin­ar
Join CMS’s Lit­ig­a­tion, Ar­bit­ra­tion, In­sur­ance and Em­ploy­ment As­so­ci­ates for a lunch­time we­bin­ar dis­cuss­ing the busi­ness and lit­ig­a­tion risks presen­ted by cli­mate change. Re­view­ing re­cent trends in...
Cli­mate Change and the In­sur­ance Sec­tor monthly news - Decem­ber 2020
In this edi­tion we ex­plore Lloyd’s pledge to stop in­sur­ing new coal pro­jects by 2022; the PRA re­sponse to in­dustry feed­back on phys­ic­al cli­mate change frame­work; and the cli­mate case against Shell in...
Cli­mate Change and the In­sur­ance Sec­tor monthly news - Novem­ber 2020
In this edi­tion we ex­plore the UK Gov­ern­ment’s ‘Ten Point Plan’ for green in­dus­tri­al re­volu­tion; the launch of One Plan­et Private Equity Funds (OP­PEF); the In­vest­ment As­so­ci­ation’s cli­mate change...
Cli­mate Change and the In­sur­ance Sec­tor monthly news - Oc­to­ber 2020
Wel­come to our new Cli­mate Change and the In­sur­ance Sec­tor monthly news bul­let­ins which will provide you with a snap­shot of cli­mate change de­vel­op­ments rel­ev­ant to the in­sur­ance mar­ket, look­ing at sig­ni­fic­ant...
Risk Es­sen­tials Break­fast: Cli­mate change risk
Cli­mate change is an enorm­ous and mul­ti­fa­ceted risk. No sec­tor, or area of the eco­nomy, is im­mune to the enorm­ous changes ahead. Cli­mate policy, law and lit­ig­a­tion is de­vel­op­ing at in­creas­ing pace at...
Dir­ect­or­s' du­ties on com­pany in­solv­ency
A de­cision on li­ab­il­ity has re­cently been passed down which provides timely com­ment­ary on the du­ties of dir­ect­ors in the event a com­pany is in­solv­ent, or near in­solv­ent. The Court provides a re­mind­er...
Cli­mate change: fin­an­cial in­sti­tu­tions and their stake­hold­ers - PRA ex­pect­a­tions...
From 15 Oc­to­ber 2019, UK banks and in­surers are ex­pec­ted to have ini­tial plans in place to ad­dress the ex­pect­a­tions set out in the Pruden­tial Reg­u­lat­ory Au­thor­ity's (PRA) Su­per­vis­ory State­ment (SS) 3/19...