Welcome to Mactavish

The UK’s leading expert on Insurance Governance



Highly forensic, innovative, and international studies focused on corporate risk and critical aspects driving the evolution of the commercial insurance market.

Insurance governance

Working for buyers of corporate insurance, helping them to drastically increase the reliability of their insurance.


Consulting and advisory

Helping our clients understand the detail behind key developments in commercial insurance and working with them to inform decision-making and build pragmatic solutions.

Dispute resolution

Legal advice and litigation services on potential or actual coverage disputes.


Mactavish are experts in their field of insurance governance. This has been demonstrated through the support and guidance that they have provided our members on the Insurance Act 2015. 

Steve White

Chief Executive, BIBA


I have been working with Mactavish over the last few months on a number of projects. In addition to being delighted about the core service I have also been pleasantly surprised about the focus they place on the unique features of our industry and how these can impact our requirements.

Tracey Skinner

Director, Insurance & Risk Financing, BT Group


Overall we have nothing but praise for Mactavish. The business and its people are second to none and we have very high levels of trust in the business. It is rare to find advisers which we can say this about.

Peter Vermeulen

Deputy Vice Chancellor and Director of Finance, Middlesex University


Mactavish’s collaboration with our wordings team experts has been vital in developing the framework to conceptualise the changes we needed to make

David Hall

Managing Director – Retail, QBE European Operations


Insurance Act: What brokers need to consider

The UK’s new Insurance Act 2015 is coming in to force in August this year, and will represent the most important change in law for the commercial insurance market in more than 100 years. The Act aims to create a fairer legal framework for resolving claims that addresses some anachronisms of British insurance law. It also aims to encourage professional conduct across all parties in the insurance transaction. In short, the Act aims to make insurance reliable not only by making sure the rules are fair but also by encouraging proper understanding of risk. Mactavish have long championed the need for this reform. The Insurance Act builds on much of the existing insurance law framework, but also makes a number of important changes. The most important of these are that it: redefines the policyholder duty of disclosure as one requiring a “fair presentation” of risk amends the way in which warranties and conditions operate in insurance policies Both of these directly affect how an insurance policy is arranged. First, there are additional guidelines around how a risk needs to be investigated and described to meet the new standard. Second, policy wordings may operate differently and specifically insurers may opt to contract out of certain parts of the Act; this must be properly explained to policyholders to ensure the industry as a whole treats its customers fairly and brokers meet their professional and legal duties. Brokers must consider the increased advisory risk associated with the Insurance Act. It is new legislation affecting every business that buys insurance, and its impact must be explained. This risk is increased by any gaps...

Fair Presentation – Six months to go – Are you prepared?

On the 12th August 2016, the legal obligations for all buyers of commercial insurance in the UK will fundamentally change with the introduction of The Insurance Act 2015 – the Act. Much has been said, debated and hypothesised on, but little practical advice and guidance is out there to help both organisations and individuals prepare. Mactavish is uniquely positioned to assist you. To find out more please click the below link. Mactavish Fair Presentation Briefing    ...

Why the Act will demand more professionalism

As featured in Airmic News – February 2016. When presenting the Insurance Act, the Law Commissions of England and Scotland said their intention was to encourage professionalism. Bruce Hepburn and David Hertzell of Mactavish examine the implications for risk managers for the insurance industry.  No one would suggest that the insurance market is dominated by amateurs.  Many underwriters, brokers and risk managers have professional qualifications and belong to professional organisations.  New recruits are often encouraged to study as well as train on the job in order to advance their careers.  However the law in the Marine Insurance Act 1906 provided no particular emphasis on the professionalism of underwriters, brokers or policyholders.  Indeed it was observed by one Lord Justice in 1926 that the “proper line” for an underwriter was “absolutely to abstain from asking any questions” regardless.  Quite what the underwriter was there to do was not elaborated. Of course attitudes changed in more recent times and any underwriter who adopted a supinely passive role in the presentation process would be at risk and almost certainly would be regarded as unprofessional.  However the Law Commissions’ view, which Mactavish supports, was that professionally competent underwriters, brokers and risk managers should be actively encouraged by the law.  Insurance is a major industry for the UK.  Large sums are at risk and, indeed, in some instances the very survival of the policyholder will depend on an insurance policy that performs when required and as required.  The Commissions did not consider that the insurance market was a place for unprofessional standards – an opinion with which Mactavish would strongly agree. The Insurance Act encourages professional behaviour...

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