Monthly insurance policy wording update
Insurance insights: The Word, October 2025
30 October 2025
Welcome to October’s edition of Insurance insights: The Word, covering a range of topics of interest from across the insurance sector.
This month we take a look at a variety of topics, including:
- Resurfacing risks: The re-emergence of non-compliant child car seats.
- AI adoption without safeguards: A growing risk for insurers.
- Physical property damage from cyber incidents: Implications for insurers when the lines blur from cyber and physical risks.
- Insurance Act 2015 and American Hull Clauses: Lessons from Delos Shipholding v Allianz.
- Mazur v Charles Russell Speechlys: Implications for solicitors' professional indemnity insurers.
- The meaning of 'property damage': Lessons from Insurance Australia v Capral.
- When does time start running? The limitation quirk in insurance coverage claims.
- Microplastic risk threat worse than previously thought.
- “New Low” for ransomware cybercriminals an opportunity for cyber insurers?
I hope you find this edition interesting and insightful,
Tim
Contents
- Resurfacing risks: The re-emergence of non-compliant child car seats
- AI adoption without safeguards: A growing risk for insurers
- Physical property damage from cyber incidents: Implications for insurers
- Insurance Act 2015 and American Hull Clauses: Lessons from Delos Shipholding v Allianz
- Mazur v Charles Russell Speechlys: Implications for solicitors' professional indemnity insurers
- The meaning of "property damage": Lessons from Insurance Australia v Capral
- When does time start running? The limitation quirk in insurance coverage claims
- Microplastic risk threat worse than previously thought: Implications for insurers
- “New low” for ransomware cybercriminals an opportunity for cyber insurers?
Meet the team
Tim Johnson
Partner
Joanna Wallens
Associate
Felicity Pallas
Paralegal
Jeanette Flowers
Claims Handler
Thomas Gibby
Principal Associate
Contact
Tim Johnson
Partner
tim.johnson@brownejacobson.com
+44 (0)115 976 6557
Contact Tim
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