An American Policyholder in London: English Choice of Law Clauses in United States Insurance Policies

While certainly not the norm, it is not uncommon for insurance policies issued to companies based in the United States, particularly large commercial and excess policies brokered on the London Market, to contain choice of law and forum clauses specifying that the law of England and Wales governs and that any legal proceedings shall be brought in the English courts. As one might expect from the birthplace of insurance and home to the best-known insurance market in the world, England does not have a reputation for law that is overtly favorable to policyholders and other insureds.

Compounding the trepidation felt by some commercial insureds in these situations, many policies with English choice-of-law clauses also require that disputes be resolved via panels of typically-English insurance experts in confidential arbitration proceedings in London. On the other side, of course, there are many proponents of having complex insurance disputes resolved in London under English law, citing the certainty provided by even-handed rules of interpretation being applied by insurance experts in a confidential setting and the accordant ability of insurers to price risk more accurately.

Please see full Alert below for more information.

LOADING PDF: If there are any problems, click here to download the file.

DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

© Pillsbury Winthrop Shaw Pittman LLP | Attorney Advertising

Written by:


Pillsbury Winthrop Shaw Pittman LLP on:

Popular Topics
Reporters on Deadline

"My best business intelligence, in one easy email…"

Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra:

Sign up to create your digest using LinkedIn*

*By using the service, you signify your acceptance of JD Supra's Privacy Policy.

Already signed up? Log in here

*With LinkedIn, you don't need to create a separate login to manage your free JD Supra account, and we can make suggestions based on your needs and interests. We will not post anything on LinkedIn in your name. Or, sign up using your email address.