For our August edition of The Word we cover a range of topics of interest from across the insurance sector.
In light of recent events, we take a look at Lutz v Ryanair and what the latest case on agency workers means for EPL insurers.
We also consider:
- What lessons insurers can learn from the template binder update and profit commission clauses.
- Admiral setting aside £50m for customer compensation.
- The impact of The Arbitration Act 2025.
- Aon calling for a national AI regulation framework.
- Questions insurers may wish to ask about their clients' AI usage.
Finally, we have collaborated with Ordnance Survey on an article on how their use of geospatial data assists insurers, including in the move away from traditional proposal forms towards analysing risk based on more dynamic risk modelling.
We hope you find this edition informative and insightful.
Tim
Contents
- Lutz v Ryanair: What does the latest case on agency workers mean for EPL insurers?
- Template binder update: Profit commission clauses
- Admiral sets aside £50m for customer compensation
- Aon calls for national AI regulation framework
- How geospatial data is becoming a crucial part of risk analysis: What this means for insurers
- Questions insurers should be asking about their clients' AI usage
- The Arbitration Act 2025: What does it mean for insurers?
Meet the team
Joanna Wallens
Associate
Lauren Wilkinson
Trainee Solicitor
Thomas Gibby
Principal Associate
Jeanette Flowers
Claims Handler
Contact
Tim Johnson
Partner
tim.johnson@brownejacobson.com
+44 (0)115 976 6557
Contact Tim
You might be interested in
Legal Update
AI liability in healthcare: Important updates from the UK jurisdiction taskforce
Legal Update
Mortgagee interest insurance and war risk losses: Oceanus Capital v Lloyd’s Insurance Company
Legal Update
When slips and certificates collide: Jurisdiction clauses and document hierarchy in the London reinsurance market
Legal Update
Key lessons on limits of liability from Acasta v Eshiett
Legal Update - The Word
Insurance Insights: The Word, March 2026
Legal Update
Middle East conflict 2026: Insurance impacts across marine, aviation, travel and beyond
Legal Update
Meningitis outbreaks are back on the liability radar: How might this impact insurers?
Legal Update
Business interruption insurance: Aggregation
Legal Update
When is a ransomware limit not a limit: Lessons from CiCi Enterprises v HSB
Legal Update
GLP-1 weight loss drugs: What do Robbie Williams, GP bonuses and insurance have in common?
Legal Update
From LOL to FNOL: Insurer impacts of romance-linked claims manipulation
Legal Update - Insurance insights: Casualty
Insurance insights: Casualty, Spring 2026
Legal Update
Construction
Legal Update
London market and speciality
Legal Update
Climate, technology and the protection gap: Top trends reshaping property damage insurance in 2025
Legal Update
Casualty
Legal Update
Underwriting and policy drafting
Legal Update - The Word
Insurance Insights: The Word, February 2026
Legal Update
Happy Aras: 'Incompetent master' defeats a US$1.27m general average demand - what it changes for insurers
Legal Update
AI-powered insurance comparison: Insurify's ChatGPT app signals shift in distribution models
Legal Update
Questions professional indemnity insurers should be asking about their clients' AI usage
Legal Update
Chemicals in headphones: An emerging risk signal for insurers
Legal Update
Soaring gold prices are pushing vault insurance to its limits and forcing insurers to rethink accumulation risk
Legal Update
Dark kitchens: Understanding the insurance implications of the delivery-only food revolution
Legal Update
FCA’s anticipated priorities for the insurance market
Legal Update
MS Amlin Marine NV v King Trader Ltd: Policy interpretation guide
Legal Update
When does dust, odour and noise become 'nuisance'? Insights from Andrews v Krononspan
Legal Update
Vivid Housing v Allianz: Interpreting imminent threat in warranty insurance claims
Legal Update
Bellhouse v Zurich: Testing the limits of insurer assumptions under CIDRA
Legal Update - Perils: property insurance newsletter
Perils: Property insurance claims newsletter, February 2026
Legal Update - Medical malpractice matters
Insurance insights: Medical malpractice matters, January 2026
Legal Update
Private fertility clinics: Increasing incidents in ‘very safe’ sector
Legal Update
FCA focus on clarifying insurance policy wordings for understanding
Legal Update
UK audit reform retreat: Weak response and implications for insurers
Legal Update
Could AI bias increase underinsurance?
Legal Update
Sunscreen scandal as products fail to meet SPF claims
Legal Update
The nicotine pouch epidemic: What insurers need to know
Legal Update
The AI arms race: Fraudsters vs insurers in the battle against fake claims
Legal Update
Autonomous vehicles framework: Government consultation signals new era for motor insurance
Legal Update