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Monthly insurance policy wording update

The Word, November 2023

30 November 2023

Tim Johnson

In November, we consider technological topics such as the Automated Vehicles Bill, cyber-attack modelling and artificial intelligence’s ability to understand insurance.

Delving into recent updates relevant to insurers, this month’s articles address the update to the PFAS exclusion, what the new Fixed Recoverable Costs regime means for insurers and the predicted upcoming risks for the life insurance sector.

We hope you enjoy this edition as much as we’ve enjoyed creating it.

Tim

Key contact

Tim Johnson

Partner

tim.johnson@brownejacobson.com

+44 (0)115 976 6557

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Policy endorsement drafting service

Tim Johnson

Partner

Joanna Wallens

Associate

Lauren Wilkinson

Lauren Wilkinson

Trainee Solicitor

Thomas Gibby

Principal Associate

Coverage disputes and policy interpretation

Policy drafting and distribution

New apprenticeship behaviour verification – key considerations for employers

New apprenticeship behaviour verification – key considerations for employers

Crypto comes of age: The FCA's landmark rules and what firms must do now

Crypto comes of age: The FCA's landmark rules and what firms must do now

Mergermarket announces Browne Jacobson as top three firm for deal count

Press Release - Firm news

Mergermarket announces Browne Jacobson as top three firm for deal count

Browne Jacobson doubles down on international capability with hire of specialist insurance arbitration partner

Press Release - Firm news

Browne Jacobson doubles down on international capability with hire of specialist insurance arbitration partner

Browne Jacobson advises Apiary Capital on investment by US-based FTV Capital in Carbon Underwriting

Browne Jacobson advises Apiary Capital on investment by US-based FTV Capital in Carbon Underwriting

ERA 2025: Striking a balance: Navigating the new rules on detriments for industrial action

Legal Update - Employment Rights Act

ERA 2025: Striking a balance: Navigating the new rules on detriments for industrial action

Child sexual abuse claims: The end of the limitation period and what it means for local authorities and insurers

Child sexual abuse claims: The end of the limitation period and what it means for local authorities and insurers

Insurance insights: London market quarterly, June 2026

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Insurance insights: London market quarterly, June 2026

Furlough issue: Supreme Court dismisses policyholders’ appeal on COVID-19 BI

Furlough issue: Supreme Court dismisses policyholders’ appeal on COVID-19 BI

High Court finds in favour of reinsured in COVID-19 event cancellation dispute

High Court finds in favour of reinsured in COVID-19 event cancellation dispute

The Russian aircraft litigation: Court strikes out contribution claims against operator policy insurers

The Russian aircraft litigation: Court strikes out contribution claims against operator policy insurers

The Baltimore bridge collapse: Billion-dollar settlements, a looming trial, and the insurance implications for marine market participants

The Baltimore bridge collapse: Billion-dollar settlements, a looming trial, and the insurance implications for marine market participants

Right to work checks: Beyond employees

Right to work checks: Beyond employees

Insurance insights: The Word, June 2026

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Insurance insights: The Word, June 2026

When AI 'hallucinates' in court: What it means for insurers

When AI 'hallucinates' in court: What it means for insurers

World Cup 2026: The insurance industry's biggest stress test

World Cup 2026: The insurance industry's biggest stress test

BYD takes on crash liability for God's Eye: What it means for motor underwriters

BYD takes on crash liability for God's Eye: What it means for motor underwriters

Paws and effect: Robot dogs take the lead at the 2026 World Cup

Paws and effect: Robot dogs take the lead at the 2026 World Cup

The £800m indemnity that isn't really insurance: What the Bayeux Tapestry loan tells underwriters

The £800m indemnity that isn't really insurance: What the Bayeux Tapestry loan tells underwriters

Middle East conflict could become costliest political violence loss on record

Middle East conflict could become costliest political violence loss on record

Deductibles, aggregation and D&O cover: A win for insurers

Deductibles, aggregation and D&O cover: A win for insurers

Union ballots go digital: What is changing and when

Legal Update - Employment Rights Act

Union ballots go digital: What is changing and when

Changes to the NHS FP17DC: What should dentists be aware of?

Changes to the NHS FP17DC: What should dentists be aware of?

Employment Rights Act 2025: The podcast series

Podcast - Employment Rights Act

Employment Rights Act 2025: The podcast series

Browne Jacobson social care lawyer appointed as Costs Judge

Press Release - Firm news

Browne Jacobson social care lawyer appointed as Costs Judge

Water sector liability: A record £1.85m fine for South West Water

Water sector liability: A record £1.85m fine for South West Water

Unpacking the Milburn report for employers and what it means for government policy

Unpacking the Milburn report for employers and what it means for government policy

Insurance Insights: The Word, May 2026

Legal Update - The Word

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Is "war" still war? Lloyds proposes to rewrite the rules on war risk

Is "war" still war? Lloyds proposes to rewrite the rules on war risk

Trade wars, tariffs and conflict: The impact on the insurance market

Trade wars, tariffs and conflict: The impact on the insurance market

LMA's AI governance blueprint

LMA's AI governance blueprint

Hantavirus on the MV Hondius: What it means for insurers

Hantavirus on the MV Hondius: What it means for insurers

Stephen Fry’s stage-fall lawsuit: What it signals for event liability insurers

Stephen Fry’s stage-fall lawsuit: What it signals for event liability insurers

EVs and autonomy: Higher severity claims, data-driven liability

EVs and autonomy: Higher severity claims, data-driven liability

Algorithms in the hiring room: ICO spotlight is on automated recruitment

Algorithms in the hiring room: ICO spotlight is on automated recruitment

Extravasation in cosmetic IV therapy risk: Implications for MGAs underwriting these risks

Extravasation in cosmetic IV therapy risk: Implications for MGAs underwriting these risks

Employment Rights Act 2025: Consultation launched on preventing misuse of non-disclosure agreements

Legal Update - Employment Rights Act

Employment Rights Act 2025: Consultation launched on preventing misuse of non-disclosure agreements

Insurance Insights: The Word, April 2026

Legal Update - The Word

Insurance Insights: The Word, April 2026

Reinsurance: Lessons for the Market from a £3.76 million dispute

Reinsurance: Lessons for the Market from a £3.76 million dispute

The Mazur appeal judgment: Implications for professional indemnity insurers

The Mazur appeal judgment: Implications for professional indemnity insurers