Welcome to our second issue of Cover to Cover for 2025.
In this edition, we explore recent developments shaping the insurance sector, including one of the most significant is the impact of generative AI. We interview the founder of PolicyCheck, which is about to go live with an AI driven product that offers insurance brokers new tools to analyse customer profiles and match them with the most suitable insurers and policies, among other tools, streamlining the process and improving customer outcomes.
We offer insights into the Financial Markets Authority’s Climate-related Disclosures report, which continues to serve as the best available guide to regulators of what should be improved in year 2 of the reporting obligation.
In previous issues of Cover to Cover we reported on the various types of insurance claims that may arise from cyber fraud. In this issue, look at a a recent decision of the High Court of England and Wales, Logix Aero Ireland Limited v Siam Aero Repair Company Limited, as an example of the increasingly sophisticated cyber-crimes that are emerging and how this risk might be sheeted home to insurers.
This issue also unpacks the practical takeaways of the Supreme Court’s decision in Kaniere Family Trust v PGG Wrightson Real Estate Ltd, which clarifies the scope of liability for negligent misstatement. Notably, the ruling allows for the possibility of liability extending to include costs incurred to restore a property to the condition it would have been in had a representation been true, which may exceed the loss claimable under the traditional measure of a comparison between the value if as represented and the actual value.
We consider a significant English Court of Appeal decision on damage, deductibles, and delayed deterioration. The ruling confirms that insurers may be liable for losses resulting from deterioration occurring after the policy period, provided it is a natural and foreseeable consequence of insured damaged sustained during the policy period.
Finally, we review the English High Court’s decision in Watford Community Housing Trust v. Arthur J Gallagher Insurance Brokers Limited, where a broker was found liable for failing to notify all insurers of a claim. The judgment sheds light on brokers’ notification duties and the complexities of claims where there is double or triple insurance.
We hope you find this issue of Cover to Cover interesting and informative. If you would like to discuss any of the themes, please get in touch.
This issue is available in PDF or individual articles below:
AI and insurance broking: The first solutions come to market
Practical takeaways from Kaniere Family Trust v PGG Wrightson Real Estate Ltd for liability insurers
Higher expectations for second year climate statements
Notify or pay: The £5 million cost of a broker's failure to notify all insurers
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