The Word, August 2025
28 August 2025
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
03 August 2026
Legal Update - Perils: property insurance newsletter
Perils: Property insurance claims newsletter, August 2026
03 August 2026
Legal Update
UK property insurance in 2026: Five trends reshaping risk, pricing and coverage
03 August 2026
Legal Update
Nord Stream v Lloyd's: War risk exclusions, indirect causation and the limits of pipeline cover
03 August 2026
Legal Update
Under the weather: How COVID-19 satisfactorily defeated CP Holdings’ €160m insurance claim
03 August 2026
Legal Update
Fire risks for UK insurers: Solar panels, lithium-ion batteries and hash oil explosions
03 August 2026
Legal Update
Secondary perils, record losses and a widening protection gap: What the data means for insurers in 2026
29 July 2026
Legal Update - The Word
Insurance insights: The Word, July 2026
29 July 2026
Legal Update
Why professionals who ignore AI risk a negligence claim
29 July 2026
Legal Update
How might AI impact fair presentation of risk in insurance?
29 July 2026
Legal Update
Venezuela’s twin earthquakes: What it means for insurers
29 July 2026
Legal Update
Carspreading and the next motor insurance shock: Why ever-bigger cars matter for claims, pricing and regulation
29 July 2026
Legal Update
TFA in UK rivers: Potential implications of trifluoroacetic acid contamination for insurers
20 July 2026
Legal Update - Martyn’s Law
Martyn’s Law statutory guidance: Key considerations for organisations and their insurers
20 July 2026
Legal Update
Fundamental dishonesty in personal injury claims: Implications for insurers' claims strategy
30 June 2026
Legal Update
Furlough issue: Supreme Court dismisses policyholders’ appeal on COVID-19 BI
30 June 2026
Legal Update
High Court finds in favour of reinsured in COVID-19 event cancellation dispute
30 June 2026
Legal Update
The Russian aircraft litigation: Court strikes out contribution claims against operator policy insurers
30 June 2026
Legal Update
The Baltimore bridge collapse: Billion-dollar settlements, a looming trial, and the insurance implications for marine market participants
29 June 2026
Legal Update - The Word
Insurance insights: The Word, June 2026
29 June 2026
Legal Update
When AI 'hallucinates' in court: What it means for insurers
29 June 2026
Legal Update
World Cup 2026: The insurance industry's biggest stress test
29 June 2026
Legal Update
BYD takes on crash liability for God's Eye: What it means for motor underwriters
29 June 2026
Legal Update
Paws and effect: Robot dogs take the lead at the 2026 World Cup
29 June 2026
Legal Update
The £800m indemnity that isn't really insurance: What the Bayeux Tapestry loan tells underwriters
29 June 2026
Legal Update
Middle East conflict could become costliest political violence loss on record
29 June 2026
Legal Update
Deductibles, aggregation and D&O cover: A win for insurers
28 May 2026
Legal Update
Is "war" still war? Lloyds proposes to rewrite the rules on war risk
28 May 2026
Legal Update
Trade wars, tariffs and conflict: The impact on the insurance market
28 May 2026
Legal Update
Hantavirus on the MV Hondius: What it means for insurers
28 May 2026
Legal Update
Stephen Fry’s stage-fall lawsuit: What it signals for event liability insurers
28 May 2026
Legal Update
EVs and autonomy: Higher severity claims, data-driven liability
08 May 2026
Guide
Extravasation in cosmetic IV therapy risk: Implications for MGAs underwriting these risks
30 April 2026
Legal Update
Reinsurance: Lessons for the Market from a £3.76 million dispute
30 April 2026
Legal Update
The Mazur appeal judgment: Implications for professional indemnity insurers
30 April 2026
Legal Update
Big tech’s next fight is insurance: Landmark loss for Meta and YouTube
30 April 2026
Legal Update
Digital dementia and the insurance implications of social media addiction
30 April 2026
Legal Update
Data centres and the insurance gap: What it means for insurers
01 April 2026
Legal Update
AI liability in healthcare: Important updates from the UK jurisdiction taskforce
31 March 2026
Legal Update
Mortgagee interest insurance and war risk losses: Oceanus Capital v Lloyd’s Insurance Company
31 March 2026
Legal Update