Insurance policy cover disputes & challenges

Insurance policy cover disputes & challenges

Our commercial insurance team is renowned for providing a top class service to our clients on all sides of the insurance industry.

We understand that disputes in relation to policy cover are inevitable given the increasing pressures faced by the industry.

Our team of dedicated insurance lawyers have a wealth of experience in handling policy cover disputes and we are well used to dealing with arguments around scope of policy cover, late notification, non-disclosure and misrepresentation, breach of warranty and breach of condition precedent.

Because we act for both policyholders and insurers, we offer a balanced view and genuine objectivity which benefits the whole of our diverse client base, and you will find us practical, down to earth and easy to deal with.

Our clients also value our genuine sector expertise in areas including construction and engineering, manufacturing, supply chain, retail, automotive and utilities.

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.

And we will strive to find you practical and commercial solutions, because litigation in any dispute should always be the last resort.

Work highlights

  • 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
  • Advised a public and products liability insurer on a successful policy declinature based on arguments around pure economic loss, the effect of various exclusions and late notification