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Insurance

Top ranked CMS Insurance specialists offer expert advice on highly complex matters in a straightforward and commercially minded manner


(Re)insurers, brokers and insureds operate in a highly regulated and complex environment.

Our insurance sector lawyers across the world work with some of the market’s largest insurance businesses, offering exceptional depth and breadth of expertise to deliver comprehensive solutions to the sector:

Claims & Coverage

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 exposure across more than 30 lines of business.

Corporate & Regulatory

Our Corporate Insurance team advises on all aspects of insurance-related transactions and works closely with our financial services, regulatory, claims, competition, employment, pensions, tax, dispute resolution departments and other specialists to deliver a seamless end-to-end service for our clients. Our regulatory specialists advise on UK and EU compliance, handle new products and distribution, and deal with a wide range of agreements. We help insurers deal with the PRA and the FCA and handle supervisory and enforcement issues as diverse as capital adequacy, financial crime and distribution channels. We advise clients across more than 30 lines of business.

Claims & Coverage lines of businessCorporate & Regulatory lines of business
  • Accident & Health
  • Accountants
  • Actuaries
  • Agriculture
  • Aviation
  • Banks & Financial Institutions
  • Casualty
  • Class Actions/Collective Proceedings
  • Construction CAR/EAR
  • Construction Professionals 
  • Contingency 
  • Cyber 
  • Directors’ and Officers’ Liability 
  • Education
  • Energy & Power
  • Financial Advisors
  • Healthcare, Medical Negligence and Life Sciences
  • Insurance Intermediaries
  • Lawyers
  • Marine
  • Pension Professionals
  • Personal Injury
  • Policy Wordings and Contract Documentation
  • Political Risk and Trade Credit
  • Property
  • Reinsurance
  • Sanctions
  • Specie, Fine Art & Jewellers’ Block
  • Surveyors
  • Technology
  • Title Indemnity
  • Transaction/Warranty & Indemnity Liability
  • Travel
  • Alternative Risk Transfer / ART
  • Banking
  • Collateral, Credit Support and Credit Risk Mitigation
  • Commercial Contracts
  • Competition
  • Corporate Finance
  • Corporate Governance
  • Debt Capital Markets
  • De-Risking
  • Employment
  • Equity Capital Market
  • InsurTech
  • Intellectual Property (IP)
  • Investments
  • Joint Ventures
  • Investments, Strategic Alliances, and Partnerships
  • Longevity Transactions and Pension De-Risking
  • M&A
  • Outsourcing
  • Portfolio Transfers
  • Private Equity
  • Procurement
  • Product Development
  • Real Estate
  • Regulatory
  • Reinsurance
  • Restructuring
  • Tax
  • Technology
  • Treasury

CMS Insurance App

The CMS Insurance App offers user-friendly digital resources, so heads of legal and heads of claims can keep abreast of the latest legal developments and emerging risks impacting the insurance market. 

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Ex­pert­ise at your fin­ger­tips
16/12/2020
In­sur­ance In­sights
The in­sur­ance mar­ket is con­stantly evolving, so you need to stay up to date on the latest de­vel­op­ments to an­ti­cip­ate and handle any po­ten­tial is­sues and be­ne­fit from op­por­tun­it­ies.With “In­sur­ance In­sights”...
Re­cent de­vel­op­ments im­pact­ing the in­sur­ance sec­tor in CEE
This we­bin­ar series provides you with a brief over­view in­to the latest de­vel­op­ments rel­ev­ant to the in­sur­ance sec­tor in CEE jur­is­dic­tions.Epis­ode #2Watch we­bin­ar re­cord­ing here: 340560ht­tps://me­dia.cmsleg­al.com/me­dia/em­bed?unique_key=f4da45676d8a65e1

Feed

19/10/2021
Un­con­tro­ver­ted Ex­pert Evid­ence – a Prom­ising De­cision for De­fend­ants 
A re­cent Court of Ap­peal judg­ment on a hol­i­day sick­ness claim has provided some clar­ity re­gard­ing the prop­er ap­proach to­wards un­con­tro­ver­ted ex­pert evid­ence. In Grif­fiths v TUI UK Lim­ited [2021] EW­CA...
18/10/2021
Cy­ber and Pro­fes­sions Series – Med­ic­al Pro­fes­sion­als
This is CMS’ second in a series of art­icles fo­cus­ing on risks to pro­fes­sion­als arising out of a cy­ber in­cid­ent. To read our first art­icle on risks to so­li­cit­ors please click here. The health­care sec­tor...
12/10/2021
Pol­ish FSA is­sues state­ment on im­prop­er prac­tices in in­sur­ance dis­tri­bu­tion
In re­sponse to ir­reg­u­lar­it­ies in the ap­plic­a­tion of the Pol­ish Act on In­sur­ance Dis­tri­bu­tion (im­ple­ment­ing an EU Dir­ect­ive) un­covered dur­ing audits, the Pol­ish Fin­an­cial Su­per­vi­sion Au­thor­ity (PF­SA) is­sued...
11/10/2021
Pol­ish FSA is­sues state­ment on im­prop­er prac­tices in in­sur­ance dis­tri­bu­tion
In re­sponse to ir­reg­u­lar­it­ies in the ap­plic­a­tion of the Pol­ish Act on In­sur­ance Dis­tri­bu­tion (im­ple­ment­ing an EU Dir­ect­ive) un­covered dur­ing audits, the Pol­ish Fin­an­cial Su­per­vi­sion Au­thor­ity (PF­SA) is­sued...
07/10/2021
Set-off in qual­i­fied one-way costs shift­ing – a shift away from de­fend­ants
The Su­preme Court has ruled that de­fend­ants owed costs in a per­son­al in­jury claim can­not set-off those costs against costs they owe to the claimant. This severely re­stricts the already very lim­ited scen­ari­os...
06/10/2021
New CSSF Cir­cu­lar on the new EBA guidelines on AML/CTF risk factors
On 24 Septem­ber 2021, the CSSF re­leased its Cir­cu­lar 21/782 which (i) provides in­form­a­tion on the EBA Guidelines (the “GL”) on cus­tom­er due di­li­gence (the “CDD”) and the factors cred­it and fin­an­cial...
05/10/2021
Bel­gi­um in­tro­duces new in­sur­ance in­dustry cli­ent money and risk trans­fer...
Bel­gi­um re­cently amended le­gis­la­tion on cli­ent money rules ap­plic­able to Bel­gian in­sur­ance in­ter­me­di­ar­ies, bring­ing the law in line with reg­u­la­tions found in the EU­'s In­sur­ance Dis­tri­bu­tion Dir­ect­ive...
05/10/2021
Pro­pos­al forms – risk of waiver of ma­ter­i­al in­form­a­tion
The High Court has set out the prin­ciples that ap­ply to the con­struc­tion of ques­tions in an in­surer’s auto­mated on­line un­der­writ­ing sys­tem and the cir­cum­stances in which an in­surer’s ques­tions may...
05/10/2021
Bel­gi­um in­tro­duces new in­sur­ance in­dustry cli­ent money and risk trans­fer...
Bel­gi­um re­cently amended le­gis­la­tion on cli­ent money rules ap­plic­able to Bel­gian in­sur­ance in­ter­me­di­ar­ies, bring­ing the law in line with reg­u­la­tions found in the EU­'s In­sur­ance Dis­tri­bu­tion Dir­ect­ive...
28/09/2021
Eth­ic­al ar­ti­fi­cial in­tel­li­gence gov­ernance prin­ciples - EIOPA re­port
On 17 June 2021 the re­port “Ar­ti­fi­cial in­tel­li­gence gov­ernance prin­ciples: To­wards eth­ic­al and trust­worthy ar­ti­fi­cial in­tel­li­gence in the European in­sur­ance sec­tor” (the “Re­port”), draf­ted by...
27/09/2021
Tur­key pub­lishes Reg­u­la­tion on Iden­tity Au­then­tic­a­tion in Elec­tron­ic Com­mu­nic­a­tions...
The In­form­a­tion and Com­mu­nic­a­tion Tech­no­lo­gies Au­thor­ity (ICTA) re­cently pub­lished the Reg­u­la­tion on the Au­then­tic­a­tion of the Iden­tity of the Ap­plic­ant in the Elec­tron­ic Com­mu­nic­a­tions Sec­tor (“Reg­u­la­tion”)...
24/09/2021
Ro­mani­an au­thor­ity with­draws au­thor­isa­tion for City In­sur­ance SA
On 17 Septem­ber 2021, the Ro­mani­an Fin­an­cial Su­per­vis­ory Au­thor­ity (FSA) re­jec­ted the short-term fin­an­cing and re­dress plan of City In­sur­ance SA, lead­ing to the with­draw­al of the in­surer’s au­thor­isa­tion...