Business Cover in England covers the scope and management of commercial insurance policies taken out by businesses to protect assets, revenue and operations. A solicitor drafts and negotiates policy wordings, reviews schedules, advises on coverage gaps, negotiates with insurers, handles claims, and secures relevant endorsements; they may also pursue or defend subrogation and coordinate with brokers, risk managers, and in-house counsel. They help assess risk, ensure regulatory compliance, and respond to claims under the relevant policies, often coordinating with loss adjusters and the insurer’s claims team.
What a solicitor handles in these matters
The solicitor handles policy wording, exclusions, endorsements, and the formal notification and claims process under commercial policies, including property, liability, business interruption and professional indemnity. They manage risk transfer, subrogation, premium discussions, and liaise with brokers, risk managers and insurers to secure appropriate cover and timely, enforceable claims handling.