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While organisation-wide efforts to be more inclusive demonstrate conscious efforts to affect change, the unconscious biases that run throughout all people – including boards and management – can play a damaging role in creating a diverse workspace.

Management can lead the charge to change unconscious bias

It’s well known that organisations are making greater efforts to become more diverse in their employee makeup. However, with 70% of UK people saying that they have been discriminated against in the workplace or when applying for a new job, it appears that much ...

Spotlight on UK COVID-19 transmission & infection insurance claims

Insurers have received a significantly lower-than-expected number of COVID-19 infection claims, most of them weighted towards the social care and healthcare sectors. However, the results of an independent public inquiry tasked with examining the UK’s preparedness and response to the COVID-19 pandemic may lead to the notification of additional claims.

Insurers have received a significantly lower-than-expected number of COVID-19 infection claims, most of them weighted towards the social care and healthcare sectors. However, the results of an independent public inquiry tasked with examining the UK’s preparedness and response to the COVID-19 pandemic may lead to the notification of additional claims.

Protecting businesses against a rising cyber threat

A rapidly changing cyber risk landscape requires companies to reassess defence levels regularly to minimise potential damage to their balance sheets and reputations. While cyber insurance underwriters have become very selective in their approaches, this process is having a positive effect in helping companies to identify and address their weaknesses.

A rapidly changing cyber risk landscape requires companies to reassess defence levels regularly to minimise potential damage to their balance sheets and reputations. While cyber insurance underwriters have become very selective in their approaches, this process is having a positive effect in helping companies to identify and address their weaknesses.

War exclusions in cyber policies – an insurance litigator’s perspective

War exclusions in cyber policies are causing a lot of controversy in the legal world. This article considers the challenge of determining the scope of ‘war exclusions’ in cyber policies. If applied too broadly – for example, if a ransomware attack on a private company whose sole purpose was to extract money were to be interpreted as coming within the exclusion because it is a ‘hostile act’ – such exclusions would deprive a cyber policy of much of the benefit of the cover. On the other hand, if the exclusion is applied narrowly as only applying to ‘traditional’ war, it might be redundant since the losses arising from such war would never be within a cyber policy’s insuring clauses in the first place. So what cyber acts should properly come within a war exclusion?

War exclusions in cyber policies are causing a lot of controversy in the legal world. This article considers the challenge of determining the scope of ‘war exclusions’ in cyber policies. If applied too broadly – for example, if a ransomware attack on a private company whose sole purpose was to extract money were to be interpreted as coming within the exclusion because it is a ‘hostile act’ – such exclusions would deprive a cyber policy of much of the benefit of the cover. On the other hand, if the exclusion is applied narrowly as only applying to ‘traditional’ war, it might be redundant since the losses arising from such war would never be within a cyber policy’s insuring clauses in the first place. So what cyber acts should properly come within a war exclusion?

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