Commercial insurance for policyholders

Commercial insurance for policyholders

Our commercial insurance team is renowned for providing a top class service to our corporate policyholder clients.

We understand the pressures faced by businesses in the face of the increasing tendency for insurers to issue early reservations of rights and policy declinatures based on arguments around scope of policy cover, late notification, non-disclosure and misrepresentation, breach of warranty and breach of condition precedent.

Our team of dedicated insurance lawyers have a wealth of experience in challenging insurer policy declinatures on behalf of our corporate clients. And because we act for both insurers and policyholders, we offer genuine objectivity and balanced advice.

Uniquely, we also provide pre-emptive advice about policy meaning to reduce the risk of disputes arising in the first place.

And where disputes do emerge, we always think outside the box and look at all the options to make sure we obtain the best result for our clients. This includes considering the possibility of advancing claims against brokers where appropriate.

We commonly advise across traditional covers such as public liability, employers' liability, professional indemnity, product liability and business interruption as well as more specialist policies such as warranty and indemnity, private healthcare and right to light.

Combining extensive experience, evolving and innovative pricing and genuine sector expertise to deliver a consistently outstanding service, you will find us practical, down to earth and easy to deal with.

Work highlights for 2015

  • Instructed by a German fund to advise on a complex international policy cover dispute, looking at whether an umbrella UK excess layer insurance policy responded to acts of fraud committed abroad
  • Provided policy advice and strategic support to a building contractor whose professional indemnity and public liability insurers both reserved policy rights following a high value claim relating to a sink hole
  • Achieved a significant pay-out for a developer in relation to a right to light claim after its public liability insurers had initially declined cover based on alleged breaches of condition precedent