Insurance Innovation

We track the latest legal, technological and commercial developments so that your business can innovate with confidence.

Our aim is to help you realise your ambitions. We use our in-depth knowledge of the insurance sector and our technical expertise to help you launch and grow the products of the future.

You can expect clear, pragmatic advice and hands-on support – whether that’s drafting policies, advising on regulation and compliance, or reviewing insurance and distribution arrangements with partners.

We act for insurers, managing general agents (MGAs), Lloyd’s syndicates, UK regulatory bodies, start-ups, brokers and policyholders, so we appreciate the wider commercial picture that you operate in.


  • Delegated authority agreements and terms of business
  • Distribution and commercial contracts including delegated 
  • Investment
  • Policy coverage 
  • Policy wordings drafting and advice
  • Regulation & compliance

Insurtech specialists

In the pioneering world of Insurtech, we track the latest legal, technological and commercial developments so that your business can innovate with confidence.

We understand and value the progressive role Insurtech businesses play in today’s insurance marketplace. Our aim is to help you to launch new, ground-breaking insurance products that have practical benefits for people and communities.

Classes of business we support

As Insurtech specialists, we provide tailored advice to all participants in the insurance market, whether you’re forming a new company, launching a product or collaborating with others to open up new distribution opportunities.

  • Property including parametric
  • Professional indemnity
  • Motor including connected and autonomous vehicles
  • Financial institutions
  • Directors & officers
  • Cyber
  • Emerging risks


At the recent Insurtech UK Autumn Forum Conference at Lloyd’s Labs, we caught up with Partner at Capital Law, Charlotte Gregory, Co-founder & CEO of Anansi Technology, Megan Bingham-Walker, to find out more about diversity and inclusion in Insurtech.

The conference was made up of several panels covering a range of topics from capacity, investment challenges, AI and a session chaired by Charlotte, on diversity, equality, and inclusion in Insurtech.

Charlotte & Megan co-chair the Diversity and Inclusion sub-committee for Insurtech UK. The committee aims to create an inclusive and open environment where Insurtech UK members can get together and discuss how they can really embed diversity and inclusion within their businesses.

Connecting for your success

Connections and close relationships are important to us: with you and within the industry. We’re active participants in the insurance ecosystem, maintaining partnerships with associations including Instech, Insurtech UK and FinTech Wales. Several members of the team are also members of the Chartered Insurance Institute and the Insurance Institute of London.

  • FinTech Wales

  • Instech

  • Insurtech UK

  • Chartered Insurance Institute

  • Insurance Institute of London


  • As a startup operating in a regulated environment we need advice which is robust, best in class but also proportionate and respectful of the fact that we are trying to change the status quo. Charlotte and the team at Capital Law understand the different priorities and pressures upon a business such as ours and we were delighted to be introduced to them.

    Rob Korzinek | CEO & Founder
    Zing Cover

  • Capital Law has a fantastic understanding of the whole insurance ecosystem. Their Insurance Regulatory practice provides the expertise required for insurtechs at all stages: from forming a new company to launching a product or implementing a collaboration. As well as advice, they provide connections across the insurance/tech divide that help their clients to thrive. Paragon work with both investors and Insurtech’s across the ecosystem and our strong, collaborative partnership with Capital Law is a great asset. Charlotte and the team share the same commitment and approach that we do to support entrepreneurial insurance talent and the investors that support them.

    Eloise Morgan | Director of UK FI

  • Over the last 10 years Capital Law have developed a well deserved reputation as the “go to” law firm for the insurance innovation community by combining deep knowledge of the relevant legal and regulatory issues and a sensitivity to the realities of entrepreneurship.

    Robin Merttens | Co Founder

  • Capital Law is super-well connected to the insurtech community and they know how to help startups develop and grow. Rachel Hillier and Charlotte Gregory are highly knowledgeable about the legal and regulatory issues affecting insurtechs and their insurer partners, as well as being practical and approachable.

    Melissa Collett |CEO
    Insurtech UK

  • We highly recommend Capital Law for their expertise and approachability. Since Kita first joined the Lloyd’s Lab, Charlotte and her dedicated team have been instrumental in helping us navigate insurance regulatory matters and offering practical guidance. We look forward to building a lasting relationship with her team as our company continues to expand.

    Melanie Martin | Head of Legal