Insurance Law and Insurance Regulation

The UK mutual insurance sector represents a unique ownership model where policyholders are also members, creating alignment between business interests and customer outcomes. Despite holding steady market share and demonstrating strong financial stability, mid-size and smaller mutuals face significant challenges in accessing capital, managing regulatory compliance costs, and competing with larger players. Recent government and regulatory initiatives aim to double the sector's size through enhanced transparen

Manchester once again played host to the BIBA Conference, bringing together brokers, MGAs, insurers and service providers to discuss the issues shaping the market today.

As renewable technologies mature and energy markets grow increasingly volatile, traditional stabilising mechanisms like government subsidies and fixed-price power purchase agreements are giving way to merchant risk exposure. How can insurance innovation, supported by the right regulatory environment, transform energy price volatility from an investment barrier into a manageable risk that unlocks sustainable outcomes?