Celia Richardson
Celia is an associate in the employment, litigation and counselling team, advising employers and employees on contentious and non-contentious employment matters. Celia has experience of litigation in the Court of Appeal, the High Court and the Employment Tribunal, and has been involved in matters concerning breach of restrictive covenants, misuse of confidential information, claims for breach of contract, termination, unfair dismissal, redundancies and discrimination. Celia has also advised on the employment aspects of corporate transactions including share and business sales and contractual negotiations, and she is regularly involved in HR advisory work.
Additionally, Celia has experience in insurance and reinsurance, having acted on a number of coverage disputes, advised UK and international clients in relation to policy reviews, and assisted on a number of regulatory matters.
Practice Area
Panel
- Contributing Author
Qualified Year
- 2019
Qualifications
- 2016 Law Practice Course
- 2015 Graduate Diploma in Law
- 2014 BA English
Education
- 2015–2016 BPP University
- 2014–2015 Kaplan College of Law
- 2011–2014 University of Exeter
1 Contributions by Celia Richardson
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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