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Our services
Subrogated Recoveries We operate a number of successful bespoke recovery schemes for our clients, both for complex and volume workflows across multiple business lines, as well as being nominated handlers for large loss subrogation work. We consistently deliver strong results in respect of viable recoverable outlays at little cost and typically under either a pure conditional fee arrangement (CFA), a discounted CFA or a contingency fee agreement. By way of example, our scheme has recovered an average of £596 per £1 spent (excluding abandons) for one insurer, across 47 cases. Coverage Disputes We provide coverage advice on issues under all types of policies, including in relation to SME policyholders. For example, we are well versed in the core property market and routinely advise in relation to occupancy and protection clauses, survey conditions, warranties and denial of access in different conditions. Most notable reported examples of our coverage work include Sugar Hut Group Limited and Others v Great Lakes Reinsurance (UK) plc and Dalecroft Properties and recently we acted for three of the eight insurers in the FCA Test case on Business Interruption claims arising out of the Covid-19 pandemic.
For MGAs specifically, we understand the need for a competitive and efficient triage service and offer a fixed fee in respect of a quick turnaround coverage review. Employment We are synonymous with insurance and our employment, pensions, incentives and immigration group provides advice on all aspects of workplace law to insurers, brokers, intermediaries and other market participants. We understand the market and what it needs and demands – financial and human capital – and we can partner with you in all aspects of managing your people through the entire employment lifecycle. From bringing in teams, to managing hybrid working, to designing remuneration and reward structures, to helping you have the difficult conversations and protecting your confidential data and other business assets, we have experience in it all and can guide you through it. We are adept in advising on high-value and reputational disputes – whether poaching, employee DSARs, harassment and #MeToo, to whistleblowing and other regulatory issues. We know the pitfalls and can provide commercial, pragmatic advice and support. We also understand that MGAs frequently do not have the same level of internal resources – whether HR, legal or compliance
– as the composite insurers, syndicates or larger brokers and so we recognise that we need special products tailored to you. Complaints Handling We handle FOS complaints on a cost- effective basis for many of our clients, particularly in the MGA space where the existence of an in-house complaints team is less likely than within a large insurance carrier. Our lawyers routinely prepare responses to complaints from policyholders and handle the complaints which go beyond the adjudicator’s decision.
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