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Policy construction covers interpreting the wording of an insurance contract to determine what is covered, what is excluded, and how limits, conditions and endorsements apply. A solicitor practising in this area reviews policy wordings, endorsements and accompanying schedules, identifies ambiguities or drafting gaps, and advises on potential liability or coverage disputes. They draft or respond to claims, negotiate with insurers, and help clients pursue or defend claims in courts or via alternative dispute resolution when the policy language determines outcomes.
What a solicitor handles in these matters
Policy interpretation hinges on specific wording, exclusions, conditions, and endorsements. The solicitor handles the drafting and review of policy language, identifies ambiguities that affect coverage, outlines potential liability routes, and coordinates with insurers, brokers, and experts. They support dispute resolution, including proceedings in the High Court or County Court, and monitor the impact of applicable statutory regimes on construction.
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