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2025 UK Reinsurance Round-up

In 2025, War and Political risks litigation continues to dominate the landscape of English litigation. Judgment was handed down in June 2025 in the claim brought by various aircraft lessors
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Council of State clarifies requirements for subrogation in insurance

In a recent 2025 judgment, the Council of State (hereinafter, the “CE”) decided an appeal in the context of a contractual dispute. The case arose from the performance of an
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Why timely notification matters

The recent judgment in Makin v QBE Insurance (Europe) Ltd [2025] EWHC 895 (“Makin”) highlights the importance of notifying potential insurance claims promptly. This case, which reinforces the significance of
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Supreme Court and the insurers’ duty of due diligence

In a recent 2025 judgment, the Colombian Supreme Court of Justice (hereinafter, the “SCJ”) ruled on a constitutional proceeding (acción de tutela) filed against a second-instance decision issued by the
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What does the SFC say about coverholders registered in REACOEX?

Colombian regulator clarifies rules for foreign reinsurers’ underwriting agencies (coverholders) In a legal opinion issued in May 2025, the Colombian Superintendence of Finance (the “SFC”, for its acronym in Spanish)
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Insurers’ duty of due diligence to verify the nature of the risk

Insurers’ duty of due diligence to verify the nature of the risk In a recent ruling issued in 2025, the Colombian Constitutional Court (hereinafter, the “Court”) ruled on key aspects
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Indemnity under performance bond insurance for loss of opportunity

In a recent 2025 ruling, the Council of State (the “CS”) clarified that, for an insured party covered under a performance bond to claim compensation for loss of opportunity, it
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Streamlining Environmental Permitting is Part of White House AI Action Plan

The Takeaway A cornerstone of the White House’s new AI Action Plan is to remove regulatory barriers and streamline environmental permitting for the infrastructure needed to implement the Plan. Overall
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Bancassurance: Bank sanctioned for breach of duty of due diligence

In a recent 2025 sanction, the Colombian Financial Superintendence (the “SFC”, for its acronym in Spanish) imposed a penalty on a bank for deficiencies in the management and safekeeping of
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California Supreme Court enforces forum selection clauses

Businesses often include forum selection clauses in contracts, which restrict where the parties to the contract may sue each other. California has a strong public policy in favor of the
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Colombia enacted Law 2475 to guarantee the inclusion and non-discrimination of cancer survivors

On July 9, 2025, Colombia enacted Law 2475, which (i) seeks to guarantee the inclusion and non-discrimination of cancer survivors within the framework of insurance contracting, and (ii) modifies Article
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New Corporate Governance Rules in the Insurance Sector

The Superintendence of Insurance and Reinsurance of Panama recently approved Regulation No. 3-2025 of June 19, 2025. This marks the third regulatory instrument addressing and regulating good corporate governance for
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Insuralex launches “Insuralex Academy”

Insuralex is proud to launch “Insuralex Academy”, a platform for training and learning about insurance law and related fields exclusively for Insuralex firms and their members. Insuralex Academy will deliver
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Reviving the Framework: The Arbitration Act 2025 and the New Era of UK Arbitration

England is widely recognised as a leading choice for international arbitration. There is a strong tradition of arbitration in the jurisdiction with institutional support and a robust judicial record of
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What does the SFC say about microinsurance in Colombia?

By means of a recent legal opinion, the Financial Superintendency of Colombia (“SFC”) made important considerations regarding the regulation of microinsurance in Colombia: General regulatory framework Microinsurance does not have
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Modification of section 1 of article 19 of the revised text of the General Law for the Defense of Consumers and Users

The issue we are facing is of important importance for entrepreneurs and financial institutions, since, with the reform introduced, the content and effects provided for in Article 20 of the
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What does the SFC say about parametric insurance in Colombia?

By way of a recent legal opinion, the Colombian Superintendency of Finance (“SFC”) issued its views on the regulation applicable to parametric insurance in Colombia. Below is a summary of
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Lonham Group Ltd v. Scotbeef Ltd

In Lonham Group Ltd v. Scotbeef Ltd [2025] EWCA Civ 203 (see the judgment here), the CoA considered issues of representations and warranties of information provided by the insured to
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The Supreme Court indicates the obligation to attend the expert procedure

As lawyers specialising in Insurance Law, we have seen large claims in which, once the claim has been recognised by the insurer, there have been severe discrepancies regarding the amount
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Photos II: 2025 Insuralex Madrid International Insurance Summit

The annual Global Insurance Summit, organised by Insuralex, has been a pivotal gathering for more than two decades (Miami, London, Chicago, New York, Dublin, Los Angeles, Munich, Bermuda, etc.) with
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Photos I: 2025 Insuralex Madrid International Insurance Summit

The annual Global Insurance Summit, organised by Insuralex, has been a pivotal gathering for more than two decades (Miami, London, Chicago, New York, Dublin, Los Angeles, Munich, Bermuda, etc.) with
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Laura Manz elected President of Insuralex

Insuralex is pleased to announce that Laura Manz, Insuralex´s exclusive member in Switzerland (Kellerhals Carrard) has been elected President of Insuralex during its annual meeting held in Madrid. Laura Manz has
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2025 Latin America Reinsurance Playbook: Key Regulatory Benchmarks for Market Access

Expanding your reinsurance operations into Latin America is a highly attractive opportunity. To support your market entry, this report provides a detailed comparison of the registration, licensing, and reporting requirements
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Insuralex Latin America meet the London Market 2025

Insuralex Latin America meet the London Market 2025 An important delegation of Insuralex Latin America members will visit London on June 2nd and 3rd, 2025. The objective is to present
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Markian Malskyy elected as a new managing partner of Insuralex Ukraine (ARZINGER)

From the 1st May, 2025 Markian Malskyy becomes the new managing partner of ARZINGER (Insuralex Exclusive Member in Ukraine), replacing Timur Bondaryev, founding partner. Timur Bondaryev has held this position almost ever since the firm was
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Limitations on Surety Bond Coverage for Structural Stability Defects

By means of a recent arbitral award published in 2025, an arbitral tribunal in Colombia (hereinafter, the “Tribunal”) settled a dispute between (i) a contracting company, insured and beneficiary under
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Evaluation of extended criminal statute of limitations in insurance law related compensation disputes

As is well known, insurance is a financial protection mechanism established within the framework of a contract to reduce or compensate for material losses arising from a specific risk or
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The unity of civil fault

Civil liability can have a contractual origin, when damage is generated in the performance of a contractual obligation, or a non-contractual origin, when damage is generated in which a contractual
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The consequences of non-payment of the premium in the context of a life insurance policy in accordance with Article 95 of the Insurance Contract Law

We will analyze the Supreme Court ruling of March 2, 2020, which addresses “the consequences of non-payment of the premium in the context of a life insurance policy in accordance
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2025 Insuralex Madrid International Insurance Summit

Important update: Event fully booked. Insuralex International Insurance Summit arrives to Madrid, Spain.  The annual Global Insurance Summit, organised by Insuralex, has been a pivotal gathering for more than two
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Sky & Mace v Riverstone Managing Agency & ors [2024] EWCA Civ 156

The Court of Appeal (“COA”) clarifies coverage for deterioration and development damage in a recent Construction All Risks (“CAR”) policy dispute. In Sky UK Ltd & Mace Ltd v Riverstone
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Limitations on performance bond coverage for wages and benefits

In a recent 2025 ruling, the Colombian Supreme Court of Justice (hereinafter, the “Court”) issued a decision on the scope of coverage for salaries and social benefits under surety bonds
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2025 Taxation on reinsurance premiums Latin America

The world’s main reinsurance markets typically provide their services on a cross-border basis for Latin American cedants, given the limited reinsurance capacity within the region compared to the demand from
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No indemnification without proof of liability in non-contractual civil liability insurance

On February 26, 2025, the Colombian Supreme Court of Justice issued ruling STC2174-2025, upholding a decision by the Superior Tribunal of Bogotá regarding a constitutional remedy filed against the Colombian
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Work stability coverage and exclusion of lack of maintenance

The Colombian Council of State recently issued a ruling reinforcing contractor liability for structural defects in public works projects, even after contract settlement. The case involved a temporary joint venture
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Council of State ruling on liability insurance and statute of limitations

On February 3, 2025, the Colombian Council of the State issued a ruling (Case No. 68001-23-33-000-2016-00649-0) on an appeal filed by a regional hospital, insured under a civil liability insurance,
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Another approach to the application of interest under article 20 of the Insurance Contract Act

This judgement partially accepts the appeal and modifies the ruling of the lower court by fixing the date of recovery at a different moment than that established by the lower
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The theory of disproportionate harm

In order to assess the existence of civil liability it is necessary that the person who alleges its existence proves the constituent elements of the same; however, among the exceptions
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2025 Insuralex comparative European report on skiing accidents

Skiing accidents often involve cross border situations, as such accidents are prone to happen either while being on holiday or having an accident with somebody who is on holiday or
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Litigation is a Highway

A recent County Court judgment, in which CPB represented the successful defendant, stands as a cautionary tale on the importance of proper claims management when engaging in litigation. The defendant
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Colombian Regulator Warns Insurer Over Misleading “All-Risk” Insurance Label

On January 16, 2025, the Colombian Financial Superintendency (the “SFC” for its acronym in Spanish) issued a warning to an insurance company for violating consumer protection regulations by offering a
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Colombian Council of State Defines Statute of Limitations for Insurance Claims in Fiscal Liability Proceedings

On November 28, 2024, the Colombian Council of State upheld a ruling that annulled the inclusion of an insurer as a civilly liable third party in a fiscal liability proceeding
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Employer´s liability coverage in civil liability insurance

This piece delves into a recent ruling by the Colombian Supreme Court (SL015-2025), which addresses the employer’s liability coverage under a civil liability insurance. The case involves the death of
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Insuralex top ranked band 1 Global Insurance by Chambers and Partners

Insuralex top ranked band 1 Global Insurance by Chambers and Partners We would like to thank our clients and Chambers for the recognition, once again, as Band 1. It’s our
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Ampcus Forensics Joins Insuralex as Global Sponsor and Exclusive Forensic Accounting Partner

Insuralex is pleased to announce that Ampcus Forensics, a fast-growing forensic accounting and risk management consultancy, joins Insuralex as Global Sponsor and Exclusive Forensic Accounting Partner. Ampcus Forensics, a fast-growing
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Keeping the Humanity in Insurance Decision-Making

The Takeaway A bill has been introduced in the Illinois legislature that would mandate the use of human oversight on a health insurer’s negative coverage decisions. It’s likely that other
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California appellate court restricts coverage for wildfire smoke claims

In recent years wildfire smoke claims have become more than a cottage industry in California and some other states. Policyholders owning buildings outside the area burned by a wildfire contend
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Colombian Council of State upholds enforcement of regulatory surety bonds (Insurance)

In its ruling of December 5, 2024 (Case No. 25000-23-24-000-2010-00132-01), the Colombian Council of State (hereinafter, the “CS”) upheld the authority of the Superintendence of Industry and Commerce (hereinafter, the
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Colombian supreme court reaffirms insurer´s obligation in survivor´s pensions

This piece explores a recent ruling by the Colombian Supreme Court confirms that when a pension fund takes out insurance to cover shortfalls in survivor’s pensions, the insurer must automatically
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The relevance of providing the insured with all the documentation of the contract, particular and general conditions, when contracting insurance.

In this article we will analyse a recent judgement handed down by the Court of Granollers, in a claim filed by a hotel for loss of profit due to the
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