For more information on how to use these documents, download the guidance.

All documents below are the latest versions. Archived documents are available here.

Marine Warranty Surveyor (MWS) Information

Pre-engagement documents, and aim to provide users with a understanding of the critical assurance role the Marine Warranty Surveyor plays in activity involving high value and complex operations.

• JR2019-009 Marine Warranty Surveyor Information Form
• JR2019-010 MWSC Pre-Qualification and Good Practice Guideline
• JNR2024-047 Overview of Marine Warranty Surveying (MWS) Companies Appointment & Execution
• Marine Warranty Survey Presentation by JNRC and SOMWS: Module 1
• Marine Warranty Survey Presentation by JNRC and SOMWS: Module 2

Upstream Construction

Oil and Gas Upstream Construction activity, including: Fixed Platforms; Floating Structures, Pipelines & Bundles; Subsea Equipment, Umbilicals, Risers and Flowlines (SURF); and Marine Transportations.

• JNR2026-002 Upstream Construction COP SOW Rev 05
• JR2019-006A Upstream Construction Warranty Endorsement
• JR2020-018 JRC MWS COVID-19 Endorsement
• JNR2026-007 Minimum Information Required for Risk Assessments

Offshore Renewables

Offshore Renewables, and primarily Offshore Wind, both fixed bottom and floating, during course of construction and operations.

• JR2021-028A Renewables Warranty Endorsement
• JNR2023-041 Offshore Wind Farm Survey Guidelines
• JNR2024-050 Risk Engineering Guidelines for Insurance of Floating Offshore Wind
• JNR2026-003 Renewables CoP SoW CoA Rev 04
• JNR2026-005 Minimum Information Required for Risk Assessments

Rig Move

Movement of all mobile offshore units (MOU) and location approval specific to Jack-Up Rigs.

• JR2019-004 Rig Location & Move Initial Screening Process
• JR2019-005 Rig Location & Move COP SOW
• JR2019-005A Rig Location & Move Warranty Endorsement
• JR2020-018 JRC MWS COVID-19 Endorsement
• JR2021-030 Rig Moves Comparison between LSW498 and JR2019-005

Project Cargo

Safe transit of Project Cargo, with a dedicated COP/SOW.

• JR21-032 JRC Project Cargo COP SOW COA
• JR21-032A JRC Project Cargo MWS Endorsement

Lay-up/Reactivation

Assurance and warranty associated with Lay-Up and Reactivation of MOUs, which also includes for FPSO and offshore construction vessels.

• JNR2026-005 Lay-Up Reactivation and Moorings CoP SoW Rev 03
• JR2019-008A Lay-up & Moorings Warranty Endorsement
• JR2019-008B Reactivation Warranty Endorsement
• JR2020-019 JRC LULAS COVID-19 Endorsement
• JR2020-020 JRC RS COVID-19 Endorsement

Upstream Decommissioning

Assurance and warranty associated with Upstream Decommissioning activity (but not including Wells), and is applicable to both Oil & Gas and Renewables.

• JR2019-007A Upstream Decommissioning Warranty Endorsement
• JR2020-018 JRC MWS COVID-19 Endorsement
• JNR2026-004 Upstream Decommissioning CoP SoW Rev 04

Well Review Guidelines

Primarily aimed at Drilling activity, the Guideline can be used across the well life cycle, and also includes for a Corporate Well Risk Engineering Survey template.

• JR2018-012 Well Review Guideline  
• JR2018-012A Well Review Warranty Endt
• JR2020-021 JRC WRS COVID-19 Endorsement
• JNR2024-046 Importance of the Well Review  

FUMA  

A tiered approach to promote and enable dialogue with assureds with respect to mooring systems associated with a wide range of moored floating units used across the offshore Oil & Gas and Renewables sectors.

• FUMA Survey Endorsement
• FUMA Code of Practice (COP) and Survey Scope of Work (SOW)

Offshore Operations

Guidance specifically related with Offshore Oil & Gas Operations, including Survey Protocols and good practice in regards Umbilicals and Risers

• Good Practice Guidelines for Umbilicals and Risers
• JNR2024-045 – Upstream Survey and Reporting Protocol

Asset Values Guidelines

In this section the Upstream Property Values and Value Maintenance Guideline provides an overview of Upstream Property Values, and aims to assist Underwriters to have an informed opinion as regards the accuracy and acceptability of property values presented as part of an Offshore Operational placement.

• JR2019-003 Upstream Property Values & Value Maintenance Guideline 

QA/QC Document 2026

An effective Quality Management System sits at the heart of a good project and supports operational resilience. In support of this, the Sub-Committee has produced a document for the benefit of both insurers and assureds entitled “Guideline for Auditing a Manufacturing Facility and the Implementation of Manufacturers’ QA and QC Procedures” aimed at offshore oil and gas (upstream) and renewables projects.

The Guideline considers current market shipyard audit opportunities embedded in the current JH143 and suggests possible enhancements to such an audit that, in addition to shipyards, include factories and fabrication yards. It also provides guidance on the critical features insurers should look for when reviewing the Quality Management System and the associated audit processes supporting project delivery and the quality of manufacturing facilities.

• QA/QC Document 2026

The JNRC publishes an educational resource designed to raise greater awareness of major upstream energy losses and incidents. These lessons learned initiative aims to:

• Assist in the prevention of major incidents reoccurring through information sharing with clients.
• Promote easily and readily available retrieval of loss and lessons learned information.
• Promote lessons learned training as part of formal education programmes and role induction for energy insurance professionals.

The LON provides a technical focus, and as such are not intended to be a claims resource.

LON001 – Piper Alpha

LON002 – Mumbai High North

LON003 – Alexander L. Kielland

LON004 – P-36

LON005 – Longford Gas Plant

LON006 – Deepwater Horizon

LON007 – Ocean Ranger

LON008 – Montara

LON009 – Varanus Island

LON010 – Elgin

The committee will make available ice maps to show the applicable approximate areas for trading warranties for the mostly widely used wordings.

Please find below links to the historic guidance on Institute Navigating Limits, issued by the Navigating Limits Sub-committee. These are currently under review and will be re-issued later this year.

Area 1 – Arctic
Area 2 – Northern Seas
Area 2b – Chukchi Sea Kivalina
Area 3 – Baltic
Area 5 – North America East
Area 9 – East Asia

Please see below the links to the most widely used meteorological website services.

Baltic Sea: Finnish Meteorological Institute – https://en.ilmatieteenlaitos.fi/ice-conditions

Canada: Canadian Gov – https://www.canada.ca/en/environment-climate-change/services/ice-forecasts-observations/latest-conditions/products-guides/chart-descriptions.html

Greenland: Danish Meteorological Institute – https://ocean.dmi.dk/arctic/icecharts.uk.php

Norwegian and Barents Sea: Meteorological Institute – https://cryo.met.no/en/latest-ice-charts

Sea of Okhotsk: Japanese Meteorological Institute – https://www.data.jma.go.jp/kaiyou/shindan/c_1/okhotsk_anl/okhotsk_anl.html

Please see here on guidance as to how to read an ice map.

The sub-committee will keep emerging risks under review and update and populate this area in due course.

The use of artificial intelligence in insurance continues to evolve rapidly, presenting both opportunities and emerging risks for the medical malpractice market. The committee is actively monitoring developments in this area, including potential liability exposures and the impact on underwriting and claims. Work is underway to compile a range of AI-related scenarios to support the committee’s analysis of potential risks and coverage implications.

The Medical Malpractice Committee actively invites guest speakers with expertise in legal and claims matters to share their insights on emerging risks and industry trends. These sessions reinforce the committee’s dedication to ongoing education, ensuring that the market remains well-informed, adaptable and proactive in addressing evolving challenges.

The International Healthcare Wording Working Group has been established to develop an international Excess Health Care Providers’ Liability Policy.

The aim of the working group is to create a clear, uniform wording suitable for non-US territories, where legal systems and healthcare frameworks differ significantly from the US.

Claims and loss trends in medical malpractice insurance have evolved significantly in recent years, reflecting changes in healthcare delivery, patient expectations and legal environments. The committee have developed a Large Verdicts and Settlements Tracker spreadsheet of large claims in the public domain to assess emerging trends.

Nuclear verdicts – jury awards that far exceed typical compensation – pose a major challenge in this class of business. Driven by social inflation, public sentiment and plaintiff strategies, these awards make assessment more complex and push underwriters to reassess risks to better manage this growing threat.

Litigation funding is an emerging issue, as third-party investors increasingly finance lawsuits in exchange for a share of any settlement or award. This external capital fuels more (and often more aggressive) litigation, extending case duration and raising settlement values. The lack of transparency around funding arrangements also makes it harder to evaluate risk and exposure, creating a growing challenge for underwriters and claims teams alike.

Tort reform varies widely by state, creating an uneven legal landscape. In some jurisdictions, reforms are being rolled back or challenged, contributing to rising claims severity and unpredictability. For insurers, this inconsistency complicates underwriting strategy and pricing, making close monitoring of legal developments essential to managing long-tail liability risks effectively.

PFAS and plastics litigation poses a growing challenge due to increasing legal and regulatory scrutiny around environmental and health risks. The long-tail nature and potential scale of liability make it a significant emerging exposure for underwriters.

Both construction and transport industries face significant risks, including property damage, worker injuries and third-party liabilities. The dynamic nature of these sectors, with increasing project scales and freight volumes, requires insurers to assess risks carefully. Effective coverage must account for safety standards, regulatory compliance and evolving market demands.

Accurate valuation is critical for setting appropriate coverage limits and premiums, yet insurers often rely on outdated or incomplete information provided by policyholders. Underinsurance is a growing concern for the committee, particularly in high-inflation environments where rebuilding costs can rise sharply. The committee worked with the LMA Property Insurance Claims Group to develop a model appraisal clause.

Natural catastrophes are a major issue in property insurance due to their increasing frequency, severity and unpredictability, driving larger and more frequent claims. For underwriters, this creates challenges in accurate evaluations and policy terms and is an issue under continuous review by the panel.

US regulation presents a complex challenge in property insurance due to its state-by-state framework. Each state sets its own rules, creating a fragmented regulatory environment. This lack of uniformity increases compliance burdens for insurers operating nationally and can delay product development and pricing adjustments. The panel works with Lloyd’s US legal and regulatory office to keep up to date with developments.

Sustainability is becoming a critical focus in property insurance as climate change, environmental regulation and societal expectations reshape the risk landscape. The challenge lies in balancing these with profitability and risk tolerance.

Twice a year, the panel organises the D&F Forum. The forums explore current regulatory and coverage developments across the US property insurance market.

The events are open to all LMA member market practitioners of D&F property.

The committee monitors the impact of climate change and extreme weather on commercial property insurance. Underinsurance is a growing concern as rising risks outpace coverage, especially in flood-prone areas. The committee works to develop improved risk models and policy wordings to address these emerging challenges effectively.

The LMA’s DARE Computable Binding Authority Agreement (CBAA) initiative addresses key issues that the committee faces, such as improving operational efficiency, enhancing data accuracy and streamlining the underwriting process in commercial lines. The committee’s members provide critical feedback on the modular components being developed in the CBAA, ensuring that the needs of the commercial property and casualty market are met.

The committee liaises with Lloyd’s Complaints and the Financial Services Ombudsman Service (FOS) to address customer complaints within commercial property and casualty lines. This ensures effective resolution of disputes, enhances market practices and supports the development of fair, transparent policy wordings that comply with regulatory standards.

The LMA Academy’s Foundation for Underwriting Terrorism Insurance programme provides foundational knowledge for junior underwriters wanting to learn more about this class of business. The programme, developed by this committee, covers core concepts, market practices, wordings and global risk trends.

The committee is currently addressing the issue of obsolescence, investigating ways to mitigate the effects of outdated equipment within industry. With technological advancements and the push towards more sustainable solutions, the committee is dedicated to staying ahead of emerging trends and ensuring that LMA members are equipped to navigate these changes effectively.

Heavy rain, hail and tornadoes pose significant risks to renewable energy projects, leading to downtime, infrastructure damage and financial losses. These storms can damage solar panels, disrupt wind turbine operations and affect other renewable energy systems. The increasing frequency and intensity of SCS, coupled with the rapid growth of renewable energy projects, are exacerbating these risks.

Market claims data shows an upward trend in both the number and cost of claims. This reflects the growing regulatory pressure, complex global supply chains and rising consumer expectations. Insurers are seeing larger, more high-profile recalls and are adapting by refining coverage terms and focusing more on proactive risk management.

Emerging risks such as PFAS and aflatoxins are becoming increasingly significant in the product recall market. PFAS are under growing regulatory and legal scrutiny, especially in food packaging and consumer goods. Aflatoxins, naturally occurring toxins in crops, pose contamination risks in food supply chains. Both present challenges due to evolving science, uncertain liability and the potential for widespread recalls. As awareness grows, the committee is closely monitoring these developments.

The committee reviews global banking rules, particularly Basel frameworks, to advocate for the recognition of credit insurance as an effective credit risk mitigant. This work supports the role of insurers in structured finance, ensuring the support of the London market remains viable for banks under tightening capital adequacy requirements and regulatory scrutiny.

The committee supports the development of training programmes and initiatives aimed at enhancing market expertise in political risk, credit and financial contingencies.