Rupert Warren
Rupert has specialised in insurance and reinsurance since 2008. In that time, he has acted for (re)insurers, brokers and policyholders in relation to disputes arising out of a wide range of lines of business including onshore energy, mining, property damage/business interruption, general liability, product liability, cargo, crime, CAR and professional indemnity policies. He has also advised on several high profile professional indemnity claims, acting for both the defendant professional and the claimant.
Rupert also has experience working in the insurance industry having spent time on secondment to the claims department of two Lloyd's syndicates.
Practice Area
Panel
- Contributing Author
Qualified Year
- 2008
Membership
- Associate member of BILA
Qualifications
- 2005 LPC
- 2004 GDL
- 2003 MSc Law and Environmental Science
- 2002 BSc Biology
Education
- 2003–2005 College of law, Guildford
- 1999–2003 University of Nottingham
1 Contributions by Rupert Warren
PRACTICE NOTES
Allocation and Attachment of Losses in Insurance and Reinsurance under English law: policy periods, aggregation, indivisible damage, attachment points, recoveries, and key case law
Allocation
In the context of insurance and reinsurance, ‘allocation’ is the process of identifying which policy covers a loss, or a share of a loss. In many claims this point never surfaces. If a driver wrecks their car, the motor insurance policy in force on the date of the accident will respond. Yet, in the smaller number of cases where it does arise, the consequences can be substantial for a (re)insurer's inwards liability and the availability of its outwards reinsurance.
Consider a business that employs a worker for 40 years. During that period the worker is exposed to asbestos and, after retirement, develops mesothelioma and dies. The estate sues the former employer. The company had workers’ compensation/employers’ liability insurance throughout the employee’s service, but which policy, if any, should respond to the claim?
Or take an insurer that covers a power station which later burns down. The insurer has prudently purchased facultative reinsurance covering the particular risk and treaty reinsurance spanning all of its power station risks, but which responds and in what order?
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Insurance & Reinsurance
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