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Our industrial injury and disease team represent a wide range of clients throughout the UK from public bodies (including local authorities, emergency services and the NHS) to insurers, brokers, liability adjusters and private sector commercial organisations in the leisure, agricultural, mining and manufacturing industries.
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We recognise that a variety of issues need to be considered in order to ensure that any enterprise is established on a solid foundation.
Section 13A Enterprise Act (‘damages for late payment’) has been in effect since 4 May 2017. The new provision applies to all insurance and reinsurance contracts entered into after that date.
Over the past three years, the Law Commission of England and Wales have consulted on fundamental changes to commercial insurance law.
Deaths like that of seven year old Blake Fowler, who died in Southampton, or Fiona Pilkington who died in Leicester send shivers down the spines of most social workers.
It comes as no surprise that there has been a surge in the number of people attempting ‘do it yourself’ justice in civil courts.
The Insurance Act 2015 brings about significant change to insurance law in the UK, that will impact upon all parties engaged in insurance.
The Insurance Act 2015 has made the small, but necessary, changes to the 2010 Act that the government considered were required before bringing into force.
‘Aggregation’ is the mechanism whereby an insurer, with an indemnity limit on a ‘per claim’ basis, minimises its exposure to numerous related claims being made against a particular insured.
Despite the protection it can afford, the complexities involved can make the rules surrounding privilege a difficult area to navigate.
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