Recent News

Contractors Beware: Defects Liability and Project Insurance Coverage

Energy firm SSE Generation has been awarded in excess of £100m damages on appeal over a tunnel collapse nearly ten years ago at the Glendoe hydroelectric power scheme in Scotland (SSE Generation v Hochtief Solutions [2018] CSIH 26). The Inner House, Court of Session, decided by a majority of 2:1 that the contractor was liable for […]
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Avoid getting out of your depth with notifications – the Court considers the scope of notification in Euro Pools plc v Royal & Sun Alliance Insurance plc

In Euro Pools Plc v Royal & Sun Alliance Insurance Plc[1] the Court considered (amongst other things) the scope of notifications made to two successive design and construct professional indemnity policies. The Insured The Insured, Euro Pools plc, was in the business of designing and constructing swimming pools. The pools were designed with moveable floors, […]
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Business Interruption Claims – Improving Outcomes for Policyholders

Insurers are set to pay out a record $135 billion to cover losses from natural catastrophes in 2017, driven by the costliest hurricane season ever in the United States and widespread flooding in South Asia. Extreme weather events such as recent mudslides and wildfires, as well as industrial disasters and acts of terrorism, often cause […]
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Bluebon Ltd (in liquidation) – v – (1) Ageas (UK) Ltd (2) Aviva Insurance Ltd (3) Towergate Underwriting Group Ltd (2017)

What was the proper construction of an electrical installation inspection warranty? Bluebon Limited (‘Bluebon’) brought proceedings against their insurers, Ageas and Aviva (‘the Insurers’), and their broker, Towergate, following a fire at their premises at the Star Garter Hotel, West Lothian (‘the Hotel’) on 15 October 2010. Bluebon had purchased the Hotel in December 2007, […]
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Fenchurch Law recognised for claims dispute expertise with tier one ranking in Legal 500

Fenchurch Law, the leading UK firm working exclusively for policyholders and brokers on complex insurance disputes, has received a tier 1 ranking in the latest Legal 500, marking an important milestone in the firm’s commitment to improving policyholder outcomes. David Pryce, managing partner, said: “From the very launch of the firm seven years ago, our […]
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Has the Enterprise Act Expanded the Duty of Fair Presentation?

For more than a century after the Marine Insurance Act of 1906, the law relating to insurance contracts was a territory into which parliament did not venture, ceding it instead to the courts. By 2015, though, Parliament was launching a full-scale invasion. The Insurance Act of that year replaced the old duty of disclosure with […]
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Make your position plain: the duty on insurers to speak out

In a judgment that will be welcomed by policyholders, the Court of Appeal has held that insurers have a duty to speak out and make their position plain in a claims handling context. This duty has been found to arise where, in light of the circumstances known to the parties, a reasonable person would expect […]
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BAE Systems Pension Funds – v – RSA

Third Parties (Rights against Insurers) Act 2010 An analysis of the first judgment on the Third Parties (Rights against Insurers) Act 2010 (‘the Act’) BAE Systems Pension Funds Trustees Limited (‘the Claimant’) brought proceedings against 4 Defendants following the construction of a large warehouse. The damages sought exceeded £10 million. Protective proceedings were issued against […]
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Not Too Slender a Thread – Supreme Court decision in MT Højgaard v E.ON

The Supreme Court has upheld an appeal concerning liability to comply with fitness for purpose obligations in a design and build contract, in a case with significant ramifications for policyholders involved in construction projects. The judgment highlights the difficulties which arise when accepted industry practices are exposed as inadequate and reinforces the importance of precise […]
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