Following a Court of Appeal decision in 2025, insurers may look to revise composite policy wordings to limit exposure. The ruling clarified that, unless explicitly stated otherwise, each insured under a composite policy is entitled to a separate limit of indemnity. To mitigate this, insurers may introduce clearer aggregate limit clauses, redefine the structure of composite contracts, or implement sub-limits per entity. Insurers will need to manage any changes fairly and transparently.