---
title: Condition to Liability Cover for Climate-Related Claims (Commercial Insureds)
date: 2024-03-27T14:16:17Z
modified: 2025-07-23T11:16:35Z
permalink: "https://chancerylaneproject.org/clauses/condition-to-liability-cover-for-climate-related-claims-commercial-insureds/"
type: clause
status: publish
excerpt: ""
wpid: 2065
jurisdiction:
  - England & Wales
maintenance-status:
  - Not maintained
practice-area:
  - Insurance
clause_child_name: "Connor's Clause"
clause_summary: "<p>A condition to insurance cover requiring the insured to put in place a robust net zero transition plan prior to the inception of cover for climate-related liability claims. </p>"
clause_last_updated_date: 2022-04-06
related_clauses: false
---

## Child’s name

Connor’s Clause

## Summary

A condition to insurance cover requiring the insured to put in place a robust net zero transition plan prior to the inception of cover for climate-related liability claims.

## What this clause does

This clause requires a commercial policyholder to have a robust net zero transition plan in place (including emissions reductions targets) at the inception of an insurance policy, before it can access insurance liability cover for climate-related claims. This will drive good behaviour, put the insured on a path to net zero and reduce the risk of climate-related claims being made against the insured, ensuring that the insurer’s business is sustainable.

## Clause Content

_\[Drafting note: Capitalised terms relate to either a defined term in this clause or a defined term in the main agreement that this clause is designed to be inserted into.\]_

**1. Conditions to Cover**

It is a condition precedent to any liability of the Insurer under Section **●** of this Policy\*, that the Insured has in place a Net Zero Transition Plan.\*\*

\* \[_Drafting note: Consider writing into this section of the policy, the cover in_ [_\[Seb and Abby’s Clause\]_](https://www.chancerylaneproject.org/climate-clauses/climate-related-liability-cover-commercial-insureds/) _Climate-Related Claims Liability Cover (Commercial Insureds)._\]

\*\* \[_Drafting note: Consider also including:_

- [_\[Kitty’s Clause_](https://chancerylaneproject.org/climate-clauses/general-condition-to-commercial-insurance-policies-climate-change-risk-assessment/)_\] General Condition to Commercial Insurance Policies: Climate Change Risk Assessment; or_
- _\[_[_Lovisa’s Clause_](https://chancerylaneproject.org/climate-clauses/climate-related-knowledge-sharing-between-insurer-and-insured-new/)_\] Climate-Related Knowledge Sharing Between Insurer and Insured,– not as conditions precedent to liability, to ensure compliance with the Insurance Act 2015._\]

## Topics

**Jurisdictions:** [England & Wales](https://chancerylaneproject.org/news/jurisdiction/england-wales/)

**Maintenance status:** [Not maintained](https://chancerylaneproject.org/news/maintenance-status/not-maintained/)

**Practice Areas:** [Insurance](https://chancerylaneproject.org/news/practice-area/insurance/)