This area covers commercial and consumer insurance and reinsurance: policy wording, coverage disputes, claims handling, recoveries and regulatory compliance for insurers, intermediaries and policyholders. A solicitor advises on duty of fair presentation and disclosure, drafts and negotiates policy wordings and warranties, conducts coverage litigation or arbitration, pursues subrogation and handling of reinsurance disputes, and interacts with brokers, loss adjusters and experts. Matters are informed by the Insurance Act 2015, market forms, FCA/PRA regulation and specialist Commercial Court and arbitral practice.
What a solicitor handles in these matters
In England a solicitor navigates the Insurance Act 2015 duties, policy interpretation, aggregation clauses, reinsurance treaties and market wordings (including London market forms), and the regulatory obligations under the Financial Conduct Authority and Prudential Regulation Authority. They prepare coverage opinions, manage multi-party litigation or arbitration, and co-ordinate recoveries and portfolio transfers involving both domestic and international counterparties.