Monthly insurance policy wording update
Insurance Insights: The Word, February 2026
26 February 2026
For our February edition of The Word, we cover a range of topics of interest from across the insurance sector.
We examine the implications for insurers following the ToxFREE project's findings that hazardous substances were detected in every headphone tested, and what this signals for product liability, recall, and D&O underwriting.
We consider how soaring gold prices are pushing vault insurance to its limits and forcing insurers to rethink accumulation risk and per-location capacity.
In our continued exploration of AI, we analyse how AI-powered comparison tools may reshape traditional distribution models and set out the key questions professional indemnity insurers should be asking their clients about AI usage.
We also explore the rise of dark kitchens and the regulatory blind spots and coverage gaps this creates for insurers.
Finally, we consider the implications of the Happy Aras judgment for general average claims, following the English Admiralty Court's refusal of a US$1.27 million claim on the grounds of the master's incompetence.
We hope you find this edition informative and insightful.
Tim
Contents
- Chemicals in headphones: An emerging risk signal for insurers
- Soaring gold prices are pushing vault insurance to its limits and forcing insurers to rethink accu
- AI-powered insurance comparison: Insurify's ChatGPT app signals shift in distribution models
- Proposal forms and question sets: Questions PI insurers should be asking about clients' AI usage
- Dark kitchens: Understanding the insurance implications of the delivery-only food revolution
- Happy Aras: 'Incompetent master' defeats a general average demand: Changes for insurers
Meet the team
Tim Johnson
Partner
Joanna Wallens
Associate
Jeanette Flowers
Claims Handler
Thomas Gibby
Principal Associate
Azraa Daud
Paralegal
Claudia Richardson
Associate
Contact
Tim Johnson
Partner
tim.johnson@brownejacobson.com
+44 (0)115 976 6557
Contact Tim
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