Indemnity Legal

Indemnity Legal is a boutique litigation firm specialising exclusively in resolving complex, high value or high stakes insurance disputes for corporate/commercial policyholders and high net worth individuals.

We never act for insurers against their policyholders, such that we are always conflict free.

Our approach to complex, high value and high stakes coverage disputes

Indemnity Legal's approach to resolving coverage disputes is unique. Our approach has two features at its core:

First, all of our Partners have, before “changing sides”, advised/participated in the insurance market. We use that insider-experience to ensure that technically expert/strategically sound coverage advice is always accompanied by an expert perspective on insurance market practice and why a coverage dispute might have arisen (or might arise in the future). By viewing our coverage advice in that way, we can get to the heart of a problem more quickly, saving time, cost and disruption.

Second,  Indemnity Legal positions itself as part of the insurance market, not in principled opposition to it. We do not treat an insurer as “the enemy”.  We simply happen to act for policyholders (much as a broker does) within the insurance market and we do so with a deep understanding of how the market should work, and what an insurer ought to be doing (either legally or as a matter of good market practice) on any given complex, high value or high stakes claim.

By adopting that position, and by recognising that a successful corporate insurance relationship is built (in part) on a strong relationship between underwriter, policyholder and insurance broker, we can – so far as can be achieved in litigation – seek to respect those relationships despite a fundamental disagreement about what an insurer’s obligations might be. That maintains the prospect of a resolution without recourse to litigation for as long as commercially possible. It also avoids unnecessary/avoidable entrenchment.

This sensible and commercially driven approach to resolving disputes means we regularly receive referrals from many of the leading firms who act for insurers.

A leading firm for commercial/corporate policyholders

Indemnity Legal is one of only 14 firms ranked in the UK by Chambers & Partners and one of only 17 firms ranked by The Legal 500, for expertise in resolving complex coverage disputes for commercial policyholders. Two of the firm’s Partners, James Morris & John Curran, are individually ranked by Chambers & Partners for their expertise, and James Morris was named a “Leading Individual” by The Legal 500 in October 2023.

Indemnity Legal has won/been shortlisted for numerous awards from legal and insurance bodies or publications, including for “Insurance Law Firm of the Year” at the 2023 British Claims Awards.