Insurance

We'll help you navigate complex disputes, understand policy requirements and risks, and embrace emerging technologies.

Our team provides the full insurance package – handling claims, drafting policies, and advising on regulation and compliance. We act for Lloyd’s syndicates, UK regulatory bodies, start-ups, brokers and policyholders.

We’re commercial litigators who understand the wider commercial picture, and because we act for claimants and defendants, we understand the full legal landscape.

We’re InsurTech specialists, too. We can draft and design innovative policy, including parametric insurance, contract liability indemnity, policies using sensors, telematics, automation, artificial intelligence and APIs.

We also have specific Fine Art and Specie expertise, thanks to our partnership with Arbiter Adjusters. Whether you need help with an insurance claim, a valuation, policy wordings, or with understanding the latest regulations, we’re here to help.

Expertise

Practice areas:

  • policy coverage disputes
  • policy wordings drafting and advice
  • binders: audits and disputes
  • subrogated recoveries
  • liability/defence
  • fraudulent claims
  • regulatory & compliance

Classes of businesses:

  • Property
  • Construction
  • Professional Indemnity
  • Fine Art and Specie
  • Financial Institutions
  • Directors & Officers
  • Emerging Risks such as Cyber, Connected and Autonomous Vehicles

Experience

  • Acting for Lloyd’s syndicate in high value property subrogation claim involving a fire at the Bullring, Birmingham
  • Acting for various Lloyds syndicates in high value, cross jurisdictional jewellers block title dispute claim
  • Acting for policyholder in D&O coverage dispute in claim worth millions
  • Advising 150+ businesses across the UK on their business interruption insurance during the Covid-19 pandemic
  • Advising vehicle insurance insurtech on potentially fraudulent claims
  • Advising a UK regulatory authority on new statutory insurance policies
  • Reviewing fine art and specie policy wordings for specialist insurer
  • Advising on cyber risks including scope of cover for a Lloyd’s syndicate, minimum terms application and amendment, and assisting with claims adjustment following cyber security breaches at multinational organisations
  • Drafting range of professional indemnity insurance documents for medical defence organisation
  • Drafting insurance documents for InsurTech providing insurance to gig economy workers

Capital Law have been a strong partner for us not only through this last fundraise, but also continually, supporting with all aspects of the business. It’s been fantastic to work with the team, and their specialism in insurance and technology makes them the leaders in this space.

Harry Franks
Co-founder and COO | Zego