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Stephen Tester

Consultant

Portrait of Stephen Tester

Stephen Tester

Consultant

Contact
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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Education

  • 1978 – MA (Cantab), St John’s College Cambridge, Cambridge
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Expertise

Feed

25/03/2022
In­surers eager to un­der­stand pre-ac­tion pro­tocol change
This art­icle first ap­peared in In­sur­ance Day, March 2022.Plans to change pre-ac­tion pro­to­cols in the UK have pro­voked con­sid­er­able dis­cus­sion among in­surers and so­li­cit­ors. In this art­icle, Gregor Woods...
Publication
24/03/2022
CMS Pro­fes­sion­al In­dem­nity In­sur­ance Sem­in­ar
Our an­nu­al pro­fes­sion­al in­dem­nity event for in­sur­ance pro­fes­sion­als took place in Can­non Place on Thursday 24 March 2022. A video re­cord­ing of the event is now avail­able to watch here.As usu­al, the event ...
Event Legal
27/04/2020
COV­ID-19 In­sur­ance Im­plic­a­tions
The COV­ID-19 pan­dem­ic has ex­trac­ted a ter­rible toll on hu­man life and has caused sig­ni­fic­ant dis­rup­tion to busi­ness and in­vest­ment world­wide. The true eco­nom­ic im­pact of the pan­dem­ic re­mains to be de­term­ined...
Publication
07/04/2020
Em­ploy­er not vi­cari­ously li­able for mass data breach by rogue em­ploy­ee,...
In WM Mor­ris­ons Su­per­mar­ket PLC v Vari­ous Claimants [2020] UK­SC 12, the Su­preme Court has over­turned the Court of Ap­peal de­cision that an em­ploy­er can be vi­cari­ously li­able to mul­tiple claimants for a...
Law-Now Employment & Pensions
24/03/2020
Data se­cur­ity con­cerns with home work­ing: coronavir­us is not the only type...
As many of us settle in­to what is likely to be an ex­ten­ded peri­od of work­ing from home in line with lock­down and so­cial dis­tan­cing meas­ures in­tro­duced by the gov­ern­ment to com­bat the COV­ID-19 pan­dem­ic...
Law-Now Coronavirus (COVID-19)
04/02/2020
Eng­lish High Court rules in cy­ber in­sur­ance case that cryptoassets are...
The re­cent Com­mer­cial Court case of AA v Per­sons Un­known[1] con­sidered the leg­al status of cryptoassets as per­son­al prop­erty un­der Eng­lish law. In a sig­ni­fic­ant judg­ment ad­opt­ing the po­s­i­tion held by...
Law-Now Insurance
30/04/2019
Cy­ber­se­cur­ity
Glob­al threats re­quire a glob­al re­sponse. Our trus­ted cy­ber­se­cur­ity team has mar­ket-lead­ing ex­pert­ise and ex­per­i­ence in man­aging all as­pects of a cy­ber-breach/in­cid­ent, from pre-breach read­i­ness and stress...
Publication
04/09/2018
Cov­er­age for Spoof­ing: some US au­thor­ity
“Spoof­ing” in­volves dis­guising an email to make it ap­pear to come from a sender from whom it did not ac­tu­ally ori­gin­ate. A fraud com­mit­ted via a spoof email does not ne­ces­sar­ily re­quire the re­cip­i­ent’s...
Law-Now Commercial
12/07/2018
Scot­tish Gov­ern­ment pub­lishes cy­ber threat ac­tion plan
No or­gan­isa­tion, how­ever large or small, is im­mune from cy­ber-at­tacks. The Scot­tish Gov­ern­ment has, this month, set out the ac­tions it will take to help Scot­tish busi­nesses tackle the cy­ber threat, and...
Law-Now
31/07/2017
In­sur­ance: jur­is­dic­tion clause not bind­ing in dir­ect claim by third party...
The Court of Justice of the European Uni­on (CJEU) has held in As­sens Havn v Nav­ig­at­ors Man­age­ment (UK) Ltd that a third party pur­su­ing a dir­ect claim against in­surers was not bound by the terms of a jur­is­dic­tion...
Law-Now Insurance
06/07/2017
FCA Launches Cy­ber Se­cur­ity Guide for Firms
On 22 June 2017, the Fin­an­cial Con­duct Au­thor­ity (FCA) launched a new factsheet en­titled ‘Good Cy­ber Se­cur­ity – the found­a­tions’, aimed at in­creas­ing aware­ness of cy­ber se­cur­ity risks amongst firms...
Law-Now Banking & Finance
25/09/2014
Know Your Risk: Con­struc­tion & Prop­erty
CMS Camer­on McK­en­na's In­sur­ance and Re­in­sur­ance Group are pleased to in­vite you to our 2014 Con­struc­tion & Prop­erty Know Your Risk sem­in­ar.Agenda8:30am Break­fast  9am-10am Sem­in­ar­Top­ics In­sur­ing clauses:...
Event Legal
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