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
Joanna Wallens
Associate
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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