Policy Wording

We support wordings teams with our sector expertise and advise insurers, reinsurers, brokers, MGAs and captives on all policy wordings and endorsements, from reviewing existing policies to developing new products. The team uses its industry engagement to share insights and know-how with you that will ensure your wordings are up-to-date and fit for the future.


Our insurance wording team provides expertise, capacity and assurance. Extensive industry experience means we provide proactive solutions and pragmatic advice

The team is also able to draw upon our corporate, commercial, data protection, regulatory and advisory teams to deliver a seamless and cohesive service.

Our team of specialists advise on all types of insurance and reinsurance wordings and contracts (both life and non-life). Work ranges from reviews of existing wordings (e.g. in light of GDPR, silent cyber, Consumer Duty, Brexit) to product development working closely with underwriting teams.

From drafting straightforward endorsements to complex bespoke wordings, our experience extends to personal lines as well as commercial lines.

Our UK wordings team is also supported by specialists in our international offices, enabling us to draft or “localise” wordings in a number of key jurisdictions.

Our long history of commitment to the insurance sector means that we have an unrivalled depth of experience and breadth of insight that adds immense value to our work for you.

Featured experience

  • Drafting bespoke policy wordings for specific risks including cyber, professional liability, trade indemnity, political risk, contingency, property, construction, energy and combined lines.
  • Amending standard form wordings to reflect specific risk requirements.
  • Reviewing existing policy wordings to address coverage issues, changes in the applicable law and market developments.

What our clients say

  • "Julian Miller is a well-known insurance lawyer who has a broad practice."

    Chambers UK 2024 Edition, Insurance: Contentious Claims & Reinsurance, UK-wide

  • "[Julian Miller] is a well-established and experienced insurance and reinsurance expert."

    Chambers UK 2024 Edition, Insurance: Contentious Claims & Reinsurance, UK-wide

Policy Wording key contacts

Who we are

Why choose DAC Beachcroft?

We’re a broad-based commercial firm serving a wide range of sectors with a strong heritage in insurance,
health and real estate. We combine excellent legal skills and cutting-edge delivery expertise to design
solutions that fit the needs of our clients – often involving clever uses of technology.