Purple chairs in reception with a peek into the docks.

UK property

A dedicated team of 20 lawyers specialising in advising insurers on Material Damage & Business Interruption Policy Coverage and Property Damage claims. We pride ourselves on providing commercial pragmatic solutions and excellent client service.

We provide a full spectrum of advice from policy interpretation and coverage (including fraudulent claims), to defence of property liability claims and recoveries.

We have expertise in dealing with a broad range of first- and third-party property covers including commercial combined, property owners, Operational PFI , Master/Local, CAR and household insurance.

We have sector-specific experience including property owners, manufacturing, infrastructure, hotels and leisure, renewable energy, fine art & jewellers block.

A significant proportion of our work is international in nature (predominantly Western Europe) dealing with losses suffered by UK-domiciled multinationals advising on coverage issues under Master/Local policies, defence of liability claims and multi-jurisdictional recoveries.

We have the size and scale to handle multiple complex claims at any one time and with offices in London and Bristol are able to offer cost-effective legal services.

Examples of work

Advising insurers on the application of design exclusions and write backs under an Operational PFI Policy.

Advising on the meaning and application of ICOW cover.

Advising on double insurance in respect of cover provided under a buildings policy, two CAR and two Public Liability policies.

We are currently advising on 15 claims under the Insurance Act 2015, including "reckless" non-disclosure; the application of Section 11 in practice, and premium re-calculation.

We represented Inter Hannover in its successful defence of a fire claim under a residential let policy: Ashfaq v International Insurance Co of Hannover Plc [2017] EWCA Civ 357.

We are defending a multi-million Euro liability class action arising out of a catastrophic fire which destroyed a Retail Park in Portugal.

The Team