HM Insights

Legal Insights & Industry Updates

Life, business and the law

The law never stands still, and the way it applies to you and your organisation is constantly evolving. Our people are on top of these developments and can keep you up to date with some of the most interesting aspects of these changes. Check out our articles and updates for our perspective on issues that might affect you.

Latest Insurance articles

  • Pinch point - insurance and liability in the Suez Canal

    Pinch point - insurance and liability in the Suez Canal

    We often hear the words "pinch point" in business. It is the coming together of many moving parts in a machine or project or transport route that can hold up progress or, in manufacturing, cause operator injury. Pinch points can rarely be avoided. They need to be identified and handled with care and they do not come any bigger than the Suez Canal.

  • How much does it cost to make a personal injury claim?

    How much does it cost to make a personal injury claim?

    How long will it take to get compensation? How much compensation will I get? How much is this going to cost me? Only one of these questions can be answered with any certainty at the start of a personal injury claim. Cost. Before you even start the claim process, your solicitor will be able to tell you how much it's going to cost you.

  • Court decision opens up potential Covid-19 claims by Scottish businesses under business interruption insurance

    Court decision opens up potential Covid-19 claims by Scottish businesses under business interruption insurance

    On 15 September 2020, the High Court in London handed down its decision in The Financial Conduct Authority v Arch Insurance (UK) Ltd and Ors. The judgment provides guidance on the operation of non-damage business interruption insurance, with particular reference to the effects of Covid-19. It opens up potential claims by policyholders against insurers, with the FCA estimating that the decision could impact as many as 370,000 policies. In the event that insurers seek to avoid paying out, Scottish business owners may find that litigation is a necessary step for recovery.