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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

Bellevue Law—Lianne Craig

Bellevue Law—Lianne Craig

Workplace law firm expands commercial disputes team with senior consultant hire

EIP—Rob Barker

EIP—Rob Barker

IP firm promotes patent attorney to partner

Muckle LLP—Ryan Butler

Muckle LLP—Ryan Butler

Banking and restructuring team bolstered by insolvency specialist

NEWS
A High Court ruling involving the Longleat estate has exposed the fault line between modern family building and historic trust drafting. Writing in NLJ this week, Charlotte Coyle, director and family law expert at Freeths, examines Cator v Thynn [2026] EWHC 209 (Ch), where trustees sought approval to modernise trusts that retain pre-1970 definitions of ‘child’, ‘grandchild’ and ‘issue’
Fresh proposals to criminalise ‘nudification’ apps, prioritise cyberflashing and non-consensual intimate images, and even ban under-16s from social media have reignited debate over whether the Online Safety Act 2023 (OSA 2023) is fit for purpose. Writing in NLJ this week, Alexander Brown, head of technology, media and telecommunications, and Alexandra Webster, managing associate, Simmons & Simmons, caution against reactive law-making that could undermine the Act’s ‘risk-based and outcomes-focused’ design
Recent allegations surrounding Peter Mandelson and Andrew Mountbatten-Windsor have reignited scrutiny of the ancient common law offence of misconduct in public office. Writing in NLJ this week, Simon Parsons, teaching fellow at Bath Spa University, asks whether their conduct could clear a notoriously high legal hurdle
A landmark ruling has reshaped child clinical negligence claims. Writing in NLJ this week, Jodi Newton, head of birth and paediatric negligence at Osbornes Law, explains how the Supreme Court in CCC v Sheffield Teaching Hospitals NHS Foundation Trust [2026] UKSC 5 has overturned Croke v Wiseman, ending the long-standing bar on children recovering ‘lost years’ earnings
A Court of Appeal ruling has drawn a firm line under party autonomy in arbitration. Writing in NLJ this week, Masood Ahmed, associate professor at the University of Leicester, analyses Gluck v Endzweig [2026] EWCA Civ 145, where a clause allowing arbitrators to amend an award ‘at any time’ was held incompatible with the Arbitration Act 1996
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