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The latest legal articles and publications from Mills & Reeve.

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Computable contracts: paving the way for a digital insurance industry?

If you work in insurance, you’ll know that Lloyds of London is an expensive place to do business. Its CEO, COO and Chairman have all emphasised their intention to drastically cut costs to ensure it remains the go-to specialist insurance market. To achieve this aim, Lloyds has published its Blueprint One and Two strategies, both of which focus on the digitization and automation of its commercial insurance market. Perhaps the boldest and most futuristic money-saving idea espoused by these plans is to turn traditional insurance policies into data-rich ‘computable contracts.’ Many will have heard of partially automated ‘smart’ contracts, but what exactly makes a contract ‘computable’? This article aims to explain this and examines the potential of computable contracts to transform the insurance industry in years to come.

Robert Beveridge

Thu, 22 Jul 2021 10:17:10 GMT+00:00

The digital campus in Higher Education

As the Higher Education campus strives to re-position itself following the sweeping changes in campus learning driven by the Covid-19 pandemic, what are the technology solutions institutions should consider to make the campus a more desirable and sustainable place to live, work and study?

Eve Beere

Wed, 21 Jul 2021 14:09:58 GMT+00:00

The Health and Care Bill: The impact on primary care

Whilst the creation of Integrated Care Systems (ICS) seeks to address the “…need for integration and collaboration across the system” [para 38 Health and Care Bill Explanatory Notes] when it comes to the commissioning and provision of health and care services in England, both the role of Primary Care and impact on Primary Care providers remains rather opaque.

Rob Day

Wed, 21 Jul 2021 09:02:25 GMT+00:00

Protecting reputation - why understanding your supply chain is so important

The recent case brought against Biffa by three individuals who were victims of human trafficking and slavery has emphasised, yet again, the importance for businesses of carrying out effective due diligence on their supply chains.

Fay Lyttle

Tue, 20 Jul 2021 09:53:43 GMT+00:00

Coronavirus series: building a thriving supply chain

Jayne Hussey discusses the future of supply chains in the first of a series of articles with particular focus around the coronavirus impact and potential opportunities.

Jayne Hussey

Tue, 20 Jul 2021 09:44:01 GMT+00:00

How do you build a thriving supply chain?

As consumers we’ve all become aware of the challenges global supply chains have faced during the pandemic. But is this an opportunity to re-evaluate and build back better? What issues should you consider to future proof your supply routes?

Jayne Hussey

Tue, 20 Jul 2021 08:40:38 GMT+00:00

Unlocking the opportunity in retirement communities and villages

As the UK begins its walk towards Freedom Day, more business as usual is returning to the House of Commons. 1 July saw a long awaited debate in the House about retirement communities and villages - focusing on how they have weathered the Covid-19 storm and horizon scanning for their future.

Victoria Hughes-Barker

Wed, 14 Jul 2021 13:08:02 GMT+00:00

Redefining SAAMCO

In the recent case of Manchester Building Society v Grant Thornton UK LLP, the Supreme Court unanimously overturned the decision of the Court of Appeal and has provided guidance on the correct approach to deciding whether a particular loss falls within a professional adviser’s scope of duty.

Liam Burnett

Mon, 12 Jul 2021 11:32:38 GMT+00:00

Move over State Aid - make room for the Subsidy Control Bill

At the end of the Brexit transition period last year, the EU’s State Aid regime ceased to apply in the UK. Since then we have had to rely on a few rather general paragraphs in the Trade and Cooperation Agreement between the UK and the EU. The announcement of a new Subsidy Control Bill is welcome in removing this uncertainty. It also marks a new phase in the UK’s post-EU future and, many hope, a more flexible and responsive approach to supporting businesses with public funding.

Simon Elsegood

Fri, 9 Jul 2021 07:45:45 GMT+00:00

COVID vaccination and the workplace: FAQs

As the vaccination roll-out continues to progress, we answer some questions employers commonly ask.

Charles Pigott

Thu, 8 Jul 2021 09:23:18 GMT+00:00

A new Health and Care Bill graces our shores

Rhian Vandrill shares her early thoughts on the long-awaited Health and Care Bill.

Rhian Vandrill

Wed, 7 Jul 2021 15:14:31 GMT+00:00

Stay of proceedings in consequence of restructuring plan

A restructuring plan to compromise certain landlord claims was allowed to proceed without being impeded by judgment being entered on a landlord’s claim for arrears.

Morgan Bowen

Wed, 7 Jul 2021 12:28:20 GMT+00:00

New Look CVA challenge fails

The landlords of fashion retail chain New Look have their multi-ground challenge of New Look’s company voluntary arrangement dismissed.

Tim Evans

Wed, 7 Jul 2021 12:23:08 GMT+00:00

Belief alone is not enough

In disqualifying a director for seven years, the court distinguished between a belief held by the director that the debts could be repaid and a reasonable prospect that the funds would be secured to achieve repayment.

Catherine Noble

Wed, 7 Jul 2021 12:09:28 GMT+00:00

Intercreditor deed terms prevent challenge

The case was concerned with whether a clause in an intercreditor deed saying that “Neither lender should challenge or question…the validity of enforceability of any Security” prevented the second ranking creditor from issuing a claim challenging the prior ranking creditor’s security documents.

Jamie Wheatley

Wed, 7 Jul 2021 12:05:54 GMT+00:00

Not so fast! Liquidator of F1 team correct to reject proof of debt

The Court of Appeal agreed with the judge’s decision to uphold a liquidator's rejection of part of its proof of debt, in the liquidation of a Formula One racing team.

Jacob Walker

Wed, 7 Jul 2021 12:01:19 GMT+00:00

Validation Orders under Section 284 Insolvency Act

The Court has recently upheld a refusal to validate payments to fund connected litigation where there was no evidence of a corresponding benefit to the bankruptcy proceedings.

Lino Di Lorenzo

Wed, 7 Jul 2021 11:45:51 GMT+00:00

Further blow for landlords’ CVA challenge

A week after the hearing of the New Look CVA challenge, the same Judge was back in court with the same lawyers, but, save for one point, the result was the same – another unsuccessful CVA challenge by a landlord.

Neil Smyth

Wed, 7 Jul 2021 11:34:17 GMT+00:00

Five things we have learned about hybrid working

Mills & Reeve has recently hosted a webinar series on COVID and the future of work, to explore how it will change the way we work, even after the pandemic has receded. My colleagues and our other contributors have given participants a lot to think about.

Sara Barrett

Wed, 7 Jul 2021 10:39:36 GMT+00:00

Planning for retirement living

Many have said that a lack of planning policy support for the delivery of retirement housing is one of the biggest hurdles which the sector faces – which seems odd, as an ageing population is one thing which can, with some certainty, be foreseen and therefore surely planned for.

Caroline Bywater

Wed, 7 Jul 2021 08:52:04 GMT+00:00

Stress and supervision post-pandemic – risks for insurers to factor in?

Understanding why mistakes are made by the legal profession is often something done with hindsight. Law firms will ask themselves ‘what lessons have we learnt?’ and insurers will be interested to hear about prevention steps that have been implemented. However, from an insurers’ perspective this is too late as the damage has been done. So, what is critical is the risk assessment made at the point of policy inception, based upon the lie of the land at that time.

Angus Turner

Tue, 6 Jul 2021 12:51:51 GMT+00:00

Fire safety in the health and care sector following Grenfell

Following the Grenfell disaster in June 2017, many of those with an interest in multi-storey, multi-occupied, residential buildings over 18 metres in height have been carrying out investigations on their buildings to ascertain if, from a fire safety perspective, they were built in accordance with the Building Regulations in force at the time of construction. Anyone who has been following the Grenfell inquiry in any detail will be unsurprised to hear that they have discovered that many of these buildings were not built in accordance with the Building Regulations in force at the time of construction.

Matt Bromilow

Tue, 6 Jul 2021 11:07:14 GMT+00:00

ICS Design Framework: key points on the employment commitment

Rebecca Pallot walks through the key points from NHS England and NHS Improvement’s recently published guidance document on supporting the NHS workforce throughout the development and transition towards statutory Integrated Care Systems.

Rebecca Pallot

Mon, 5 Jul 2021 14:24:05 GMT+00:00

CIGA – relevant periods summary – updated 1 July 2021

The Corporate Insolvency and Governance Act 2020 (CIGA) came into force in June 2020. In addition to introducing some permanent measures, it brought in some temporary measures designed to help mitigate some of the worst effects of COVID-19. The temporary measures have been subject to a number of extensions.

Catherine Noble

Fri, 2 Jul 2021 10:48:09 GMT+00:00


If Covid was a storm, it’s fair to say the life sciences sector has not only weathered it, but is well on its way to curing it too.

Chloe Gibson

Tue, 29 Jun 2021 12:35:15 GMT+00:00

Responsible investing by charities: is clarity on the horizon?

Investors, both individual and institutional, increasingly wish to adopt a “responsible” investment strategy, which takes into account not only the financial performance of investments but also environmental, social and governance (ESG) considerations.

Tori Spratt

Mon, 28 Jun 2021 11:36:29 GMT+00:00

Cladding and fire safety: recent developments for affected charities

A number of charities have found themselves in the position of holding residential property which is affected by fire safety issues, especially in relation to cladding, which are likely to prove expensive and difficult to resolve.

Alison Garrett

Mon, 28 Jun 2021 09:25:18 GMT+00:00

FutureTech: How ‘future’ is it and what is there to worry about?

There are lots of technology ‘buzz words’ circulating, such as: ‘Cloud Computing’, ‘Agile Development’, ‘AI’, ‘Blockchain’ and ‘Crypto’. However, it is important to note, that this does not mean that all such technologies have only just materialised. First printed in Business Weekly, Jagvinder Singh Kang provides insights into FutureTech.

Jagvinder Singh Kang

Thu, 24 Jun 2021 14:47:29 GMT+00:00

The next steps towards Integrated Care System development

The publication of NHS England and NHS Improvement’s Design Framework for Integrated Care Systems ahead of draft legislation, due in the forthcoming weeks, sets out minimum standards and expectations, and a timetable for development over the course of the transition period in 2021/22 and before ICSs become statutory bodies in April 2022.

Rhian Vandrill

Thu, 24 Jun 2021 11:46:10 GMT+00:00

The rise of net zero carbon buildings

As more landowners and developers commit to net zero targets, we are seeing increasing proposals for net zero buildings – buildings which balance any greenhouse gases produced during development and emitted during the running of the building with emissions taken out of the atmosphere.

Laura Ludlow

Tue, 22 Jun 2021 14:36:23 GMT+00:00

The future of construction

The UK Government has recently committed to cut emissions by 78% by 2035 as part of its overall target to reach net-zero by 2050. The ability of the UK to meet these targets is going to largely rely on the development of new technologies (some of which are as yet unknown), and this applies as much to the UK construction sector as any other.

Matt Bromilow

Mon, 21 Jun 2021 09:02:36 GMT+00:00