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Portrait of Stephen Tester

Stephen Tester


Languages English

Stephen Tester is a consultant in our Insurance and Reinsurance Group and has 33 years of experience in multiple insurance classes extending from claims and coverage to policy drafting and product development work.

He has handled innumerable construction PI claims for architects and engineers, project and construction managers and design and build consultants and has overseen our strategy of delivering top of the market expertise across all construction insurance classes.

Stephen founded our D&O practice in 1992, warranty and indemnity in 2001, and cyber in 2012 and has latterly assisted in the drafting of multiline covers for miscellaneous professions.

Stephen has also played a leading role in the development of the CMS Insurance Industry Sector group into a network providing specialist advice to the insurance industry across more than 30 jurisdictions

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Relevant experience

  • PI, CAR and PL claims relating to the reconstruction of the car park for a shopping centre in Southern England.
  • A book of over 60 multi million dollar construction and insurance claims for the insurers of major international engineering contractors.
  • Insurance and contractual claims arising out of alleged measurement errors in the construction of the West Coast Mainline.
  • Claims in excess of USD 300m arising out of fracturing of a subsea pipeline off the UK coast.
  • Complex liability claims arising out of the failure of grouted connections for wind turbine masts in the North Sea.
  • Founded the CMS Cyber Network facility responding within an hour on a 24/7 basis to cyber breaches across over 40 jurisdictions. The Network has now handled over 70 cyber breaches and systems failure over the last 5 years, and the facility is currently dealing with 1-2 emergency referrals a week.
  • Claims under sellers and buyers side warranty insurances.
  • Significant D&O claims involving Government owned or controlled entities in Eastern Europe and the Balkans.
  • Numerous stand alone advices on coverage issues, including aggregation, attachment and breach of policy conditions.
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Memberships & Roles

  • Co-Founder, CMS Cyber Network
  • Co- Founder, Market ADR Commitment
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  • 1978 – MA (Cantab), St John’s College Cambridge, Cambridge
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