Insurance

Not only is their legal advice very thorough, but they are very good at identifying what their clients need; in other words, providing legal analysis and suggesting practical ways forward. Chambers UK 2017

With more than 60 qualified solicitors and over 40 years experience in providing pre and post inception coverage and dispute solutions for insurers, we are one of the largest professional negligence practices in the London market.  

We act for numerous insurers and reinsurers in both the Lloyd’s and company market as well as overseas insurers and a number of our partners are specialists in coverage interpretation and disputes.

Coverage advice is at the heart of our service and all of our fee earners are trained to identify coverage issues from the outset including the triggering of policy response under the insuring clause, exclusions from cover, the timely reporting of claims and circumstances, non-disclosure, misrepresentation, breach of warranty, breaches of conditions precedent and mere conditions, dishonesty and fraudulent claims, double insurance, proximate causes and aggregation.  The firm has never had a successful challenge against a declinature by a policyholder or a Claimant under the Third Party (Rights against Insurers) Act 1930.

In addition to our experience in advising the market on coverage in respect of professional liability risks we also regularly provide policy advice on D&O, financial institutions, property and casualty, cyber, employers and public liability. 

Our clients include both primary and excess layer insurers and we also advise cedants on their reinsurance arrangements, both treaty and facultative.  We have extensive experience of advising on clash covers.

We are active on behalf of the industry in consultations and lobbying on insurance issues with The Law Commission, the professions’ regulatory bodies regarding approved wordings and the ABI.

We are frequently asked to draft bespoke policy wordings.  We also provide rolling programmes in order to review and update wordings to improve the offering or reflect changes in the law.