Clyde & Co

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Operating across many countries, particularly in Europe, in an industry as highly regulated as insurance means that specialist knowledge of the regulatory environment is vital. Unlike some of our competitors, we do not treat regulatory advice as a separate backroom discipline. Our group has the expertise to combine sound commercial advice with in-depth knowledge of the regulatory constraints and practices. This is a critical combination for doing insurance business effectively and profitably.

We have people in the key insurance markets in New York, London and the Middle East – enabling us to offer a seamless regulatory view for clients operating across countries and continents.

Other areas of regulatory expertise include the European Union (EU), which has been taking a close interest in the workings of the insurance industry in the past few years, particularly regarding competition issues.

We have been at the forefront on advising on these issues, as well as matters involving mergers and acquisitions, restrictive agreements (cartels, co-operation, technology transfer, joint ventures and vertical agreements) and abuse of a dominant position.

Our experience includes:

  • Advising a US insurer on the regulatory implications of accepting a Part VII transfer into a UK branch.
  • Advising major insurers in relation to issues arising out of the Spitzer complaint and the EU investigation into the business insurance sector.
  • Advising a leading insurer in relation to the compliance of co-insurance arrangements with EU competition law.
  • Advising on the first challenge to the exercise of the Motor Insurers' Bureau's enforcement powers over UK motor insurers.