Indemnity Law

Indemnity Law: Insurance experts for policyholders for when it matters.

Indemnity Law is a boutique insurance litigation firm in London specialising exclusively in resolving complex, high value or high stakes insurance disputes. We're an award winning team of ex-insurer lawyers, ranked by both leading directories, that uses our market experience to serve policyholder clients when resolving a coverage dispute really matters for their businesses. Our team can be relied upon to be truly independent, leaders on the field and reliably conflict free.

Our mission for our policyholder and insurance broker clients is to cut through the complexity of a coverage dispute and find the cover a policyholder clients paid for. But it's Indemnity's approach to finding that cover, and resolving complex coverage disputes, that sets our team apart.

All of our lawyers in their careers have spent time working within the insurance market, whether for insurers, brokers or panel law firms, and we're strong advocates for the vital role insurance plays for our clients. Yet, while we're passionate advocates for a strong, successful insurance relationship, the reality is that claims can be complex. That complexity means that coverage disputes can arise and the cover our clients bought withheld.

When that happens, an otherwise successful relationship between an insurer and their insured, or an insurer and their broker partner, becomes strained and our clients' businesses distressed. Resolving coverage disputes authoritatively, but in a way that understands and respects the crucial relationships involved in a successful insurance placement, is why Indemnity was founded. Our experience on "the other side" allows us to speak an insurer's language, get to the heart of a coverage dispute quickly and unlock the possibility of more sensible, more productive, more frequent discussions with insurers and their legal team. Ultimately, our approach allows us to focus on addressing the issues that really matter to an insurer more efficiently, and unlock the possibility of solutions that avoid litigation more quickly.

It's an approach that has proven itself for our clients. And whilst working through a complex problem is when we're at our best, Indemnity's team are expert litigators at their core. If a dispute cannot be resolved sensibly without litigation and an insurer adopts a robust position, Indemnity's clients can have the confidence that the insurer's strength can be matched, pound for pound, by a team of expert coverage lawyers prepared to do what is necessary to argue unequivocally and steadfastly for the cover our clients may be entitled to.

Indemnity's Clients & Referrers

Indemnity Law’s work is sourced almost exclusively by professional referral, typically from leading insurance brokers, conflicted insurer panel law firms, Magic Circle/Top 100 law firms and a variety of other professionals whose client's have a complex insurance problem that we can help solve.

We act for a wide variety of corporate/commercial policyholders, including:

• financial services businesses (including in the asset/investment management sector)
• manufacturers
• commercial landlords and property management companies
• IT & technology companies
• professional services firms
• global distributors
• retailers
• the hospitality industry
• construction companies

amongst many others.

As to individuals, we have particular expertise in resolving complex D&O coverage disputes and routinely act for:

• current/ex board members
• outside entity directors
• regulated individuals
• high net worth individuals facing civil claims and regulatory/criminal investigations
• company policyholders seeking reimbursement from a D&O insurer for costs paid on behalf of a director/employee
• individuals of any seniority facing investigation/prosecution by an official body or prosecuting authority (and we have experience with investigations conducted by the SFO, HMRC, the Police, the FCA, professional regulators and numerous offshore authorities).

Indemnity's Values

Indemnity's values underpin everything we do as a firm:

• Expert

Our entire team consists of lawyers with experience of working for or in the insurance market. This gives us a unique understanding of the market’s approach to coverage disputes and an ability to see the priorities and concerns of every stakeholder involved - we get to the heart of a dispute quickly, and cut through the complexity of a dispute to focus on what really matters.

• Principled

We do the right thing by our people and our clients, and we respect the market and our opponents. We do not pursue unmeritorious claims, nor do we accept instructions where we consider the insurer involved has reached the correct coverage position. Our opponents, many of whom trust us with their own conflicts referrals, can have confidence that while we may disagree on a particular coverage issue, when we argue a cause we genuinely believe it to be the right one.

• Wholehearted

We’re passionate about what we do: we love insurance and our team are trained not just in insurance law, but in insurance practice, too. We’re committed to making sure the market delivers on its promises as a "respected adversary", and we have a strong pro-bono commitment to making our expertise available to those who can’t afford it.