Monthly insurance policy wording update

Insurance insights: The Word, September 2026

30 September 2026

For our September edition of The Word, we cover a range of topics from across the insurance sector.

We examine Britain's e-scooter crisis and what six years of regulatory inaction means for insurers. We consider how the Strait of Hormuz conflict is stress-testing war risk clauses that have remained largely unchanged since 1983. We analyse how AI is industrialising cyber risk and the implications for insurers and their lawyers. We look at whether the FCA may be moving towards regulating AI tools such as ChatGPT following recent House of Lords scrutiny. We consider why the FCA's focus on claims definitions and acceptance rate disparities is putting policy wordings under pressure. Finally, we explore the growing PFAS risk posed by the rapid expansion of AI infrastructure and its multi-line implications for insurers.

We hope you find this edition informative and insightful.

Tim.

Tim Johnson

Partner

Joanna Wallens

Associate

Adam Culy

Partner

Thomas Gibby

Principal Associate

Jeanette Flowers

Claims Handler

Tim Johnson

Partner

tim.johnson@brownejacobson.com

+44 (0)115 976 6557

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Insurance insights: The Word, September 2026

30 September 2026

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Insurance insights: The Word, September 2026

Contents: The Word, September 2026

Meet the team

Tim Johnson

Partner

Joanna Wallens

Associate

Adam Culy

Partner

Thomas Gibby

Principal Associate

Jeanette Flowers

Claims Handler

Contact

Tim Johnson

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