UK business insurance law

UK business insurance law

Our commercial insurance team is renowned for providing a top class service to businesses based abroad who need advice on insurance matters in the UK.

We regularly advise non-UK companies on UK insurance matters. We can assist where you need UK insurance yourself or where you want advice on the insurance position of other companies in the UK, for example in the context of assessing whether they are likely to have the funds needed to satisfy your claim.

We understand that this is unfamiliar territory for many non-UK companies and we will guide you every step of the way. We always explain things in a way you will understand and you will find us practical, down to earth and easy to deal with.

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

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.

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.

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
  • Advised a Polish company on the legality of obtaining insurance in the UK for a scratch card business
  • 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