Fenchurch Law will host Birmingham Coverage Symposium with the following Talks:

Notifying circumstances to claims-made policies: why, when and how
Jonathan Corman, Partner
This session will consider the importance of being able to notify a “circumstance” as well as a “claim”; the difference between a circumstance which is likely to give rise to a claim, and one which merely might do so; blanket notifications; the consequences of notifying late; and how to avoid claims “falling between two stools”.

Replacing combustible cladding: will insurers be footing the bill?
Alex Rosenfield, Senior Associate
This session explores the current system of UK building regulation as regards the use of combustible cladding in the external walls of high rise buildings. We look at the test that policyholders must satisfy in order to make a recovery under latent defect insurance policies for the cost of replacing unsafe ACM cladding, as well as other possible claims against those involved in cladding installations.

Mere Manifestation of a bad point
David Pryce, Managing Partner
CAR insurers frequently seek to deny claims on the basis that there is no damage, but simply the “mere manifestation of a defect”. Where does this phrase come from? In what circumstances does it apply? And are CAR insurers applying the right test?

Cyber Insurance: by accident and design
John Curran, Partner
The prevalence of cyber claims has markedly increased, which in turn has highlighted the limitations of generic policies for cyber-related incidents. This session explores the practical differences between bespoke cyber insurance (“cover by design”) and cover for cyber risks that might inadvertently be found in other, non-cyber, policies (“cover by accident”). It does so through the lens of a real-life cyber attack, and explores the differences between how a cyber policy and a non-cyber policy might respond.