header-logo header-logo

Insurance risks & predictions for 2025 published

A rise in nuisance claims against water utilities and in silicosis claims are among the insurance predictions for 2025.

The Supreme Court widened water companies’ potential liability this year to include discharges without negligence or misconduct, which could drive claims, according to insurance law firm DAC Beachcroft’s 150-plus predictions, released last week. Awareness of the risks of silicosis is growing in the UK, although there is no sign as yet of the large-scale silicosis litigation seen in Australia and the US.

DAC Beachcroft also suggest the government’s house-building ambitions together with climate change ‘are likely to drive an increase in the number, type and scope of geotechnical claims’.

‘A good example is the increasing prevalence of sinkholes in the UK… The increased number of construction projects on land underlain by chalk on greenfield sites, together with more frequent heavy rain events are two key factors.’ The firm warns ‘the extreme heat/heavy rain weather-cycle also negatively impacts slope stability resulting in the unwanted movement or collapse of railway/road embankments and cuttings (as well as triggering natural landslides)’.

On post-PACCAR legislation to clarify the law on litigation funding, the firm expects solicitors have a ‘long wait’ ahead. The government is due to conclude its review of the litigation funding sector by the summer, which means uncertainty is set to continue for at least another year.

Anti-greenwashing rules introduced by the Financial Conduct Authority could fuel shareholder litigation. Other predictions include potential oil spills and environmental catastrophes caused by the ‘dark fleet’ transporting oil and gas counter to sanctions against Russia.

Increased attention will be paid to neurodiversity in recruitment and career progression, the firm predicts. There could be a rise in ‘just transition’ claims aiming to protect local communities and environments from the adverse effects of the transition to renewable energy, for example, pollution caused by mining. 

Public authorities should be prepared for the Hillsborough Law, which will introduce a legal duty of candour, as the government has pledged to introduce legislation before April. Former justice secretary Sir Robert Buckland KC, a consultant at DAC Beachcroft, said the proposed duty ‘could potentially have a dramatic effect on the risk profile of public bodies’.

MOVERS & SHAKERS

Charles Russell Speechlys—Matthew Griffin

Charles Russell Speechlys—Matthew Griffin

Firm strengthens international funds capability with senior hire

Gilson Gray—Jeremy Davy

Gilson Gray—Jeremy Davy

Partner appointed as head of residential conveyancing for England

DR Solicitors—Paul Edels

DR Solicitors—Paul Edels

Specialist firm enhances corporate healthcare practice with partner appointment

NEWS
The proposed £11bn redress scheme following the Supreme Court’s motor finance rulings is analysed in this week’s NLJ by Fred Philpott of Gough Square Chambers
In this week's issue, Stephen Gold, NLJ columnist and former district judge, surveys another eclectic fortnight in procedure. With humour and humanity, he reminds readers that beneath the procedural dust, the law still changes lives
Generative AI isn’t the villain of the courtroom—it’s the misunderstanding of it that’s dangerous, argues Dr Alan Ma of Birmingham City University and the Birmingham Law Society in this week's NLJ
James Naylor of Naylor Solicitors dissects the government’s plan to outlaw upward-only rent review (UORR) clauses in new commercial leases under Schedule 31 of the English Devolution and Community Empowerment Bill, in this week's NLJ. The reform, he explains, marks a seismic shift in landlord-tenant power dynamics: rents will no longer rise inexorably, and tenants gain statutory caps and procedural rights
Writing in NLJ this week, James Harrison and Jenna Coad of Penningtons Manches Cooper chart the Privy Council’s demolition of the long-standing ‘shareholder rule’ in Jardine Strategic v Oasis Investments
back-to-top-scroll