Insurance policies take all forms and are consistently changing to accommodate new risk types. Our specialist insurance law division can support and advise you in every aspect, from drafting policy wording, policy coverage and indemnity issues to dealing with disputes and claims. If a dispute does arise, our priority is always to achieve a swift and cost-effective resolution.
We also advise on policy interface issues. Often there is more than one policy in place and where there is ambiguity over which should apply, our specialist lawyers are able to provide clear and unequivocal advice.
A collaborative approach to insurance policy coverage
In this often complex area of the law, we work collaboratively with our clients to provide indemnity law advice which is clear and unequivocal but which also takes into account commercial sensitivities and client and broker relationships.
Bespoke advice from a team of leading insurance law experts
Across all sectors of expertise, our policy coverage team deals with:
- Breach of terms
- Compulsory insurance act legislation
- Declaratory actions
- Drafting policy wording
- Exclusions, warranties and endorsements
- Fair representation and misrepresentation
- FOS complaints procedure
- Issues concerning notification
- Policy interface disputes
- Waiver and estoppel
Achieving the right outcome as costs effectively as possible
Where there is a dispute, we recognise that it is in the interests of all concerned for a swift resolution to be reached in order to then give focus to the material claim. This may not always be possible, and we will work with you to secure the right outcome for you in every case. We are also acutely aware of your commitments to treat customers fairly and we will support you, guide you, and advise you on all of the options, mindful at all times of the reputational implications.
Delivering added value in policy coverage
We have hosted a number of Lunch and Sessions in house at our offices with guest speakers addressing issues arising from policy cover and indemnity disputes. We are regularly asked to provide bespoke training to clients on policy issues, more recently to include the implications of vicarious liability on historic policies, Vnuk, Human Rights Act injury claims, as well as failure to notify and/or to co-operate.
Through our involvement with FOIL we are committed to horizon scanning, so that we can keep you informed as to the issues expected to be relevant to your policies in the future.