Russell Cowie
Russell is a Supervising Associate in the Simmons & Simmons Insurance & Construction group, with a very broad experience in the insurance sector. Shortly after completing his training contract at a first tier insurance law firm, Russell was seconded to a market-leading insurer to take up position as Assistant Claims Counsel. This has afforded him extensive experience in advising both insurers and their insureds on a range of coverage matters and third-party liability claims, respectively.
As a specialist insurance practitioner, Russell advises on matters of professional indemnity, product liability (both medical and non-medical), construction and cyber insurance. He has a keen interest in complex risks emerging within the artificial intelligence landscape, and regularly publishes articles in Insurance Day and on the firm’s website, in relation to a range of legal topics.
Practice Area
Panel
- Contributing Author
Qualified Year
- 2016
Qualification
- BA (Hons) Music (2006)
Education
- BPP Law School (GDL, LPC) (2010 – 2012)
- University of Durham (2006 - 2009)
- Canford School (2000 - 2005)
1 Contributions by Russell Cowie
PRACTICE NOTES
Construction product liability insurance: scope of cover, common exclusions (recall, economic loss, design), and available extensions including contractual liability
This Practice Note examines product liability insurance primarily through the lens of participants in the construction sector. While this form of cover is relevant to many other industries, for present purposes those fall beyond the remit of this Practice Note (see Practice Note: Product liability and product recall insurance and Q&A: What is Products Liability Insurance?).
What is product liability insurance and who needs it?
In the construction context, product liability insurance is a form of cover that safeguards the insured against liability for death or bodily injury (excluding employees) or for property damage, where such liabilities arise from defects in products that have been used in the course of a construction project.
Firms that manufacture and/or supply products intended to be incorporated into a building structure may face legal action if faults in those products cause damage or injury to the structure concerned.
For example:
a supplier might face proceedings if concrete it supplied to a contractor for a building’s foundations was later found to be defective and, as a consequence, the structure of that building collapsed as a direct result...
Construction
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