special risks

Whether it is a products liability claim, a major property damage claim following a "hot work" fire, or a claim involving theft as a result of a failure by an insured to fulfil a guarding contract, TLN Special Risks can bring to bear the specialist expertise required to identify and resolve the complex legal liability, quantum and policy issues which can arise, working if necessary as part of a team with others such as solicitors, engineers, surveyors, or forensic experts.

In today's climate claimants appear much more ready to pursue claims aggressively, or claims which they previously might not have pursued at all. We frequently encounter situations where a claimant simply deducts what it considers a claim is worth from money owed, regardless of the strict legal position: in short many claims have become more complicated to resolve.

An Insured faced with a claim needs guidance and assistance and the investigation and handling of such claims requires specialist skills and knowledge to deal with the multitude of issues which arise. What has gone wrong and why? Is an expert required? Was the act, omission or defect actually causative of the losses which are being claimed for? What losses are the insured legally liable for? What is the impact of any contractual conditions which may apply? What does the policy indemnify for?

A structured, analytical approach is essential, coupled with an ability to produce a timely and comprehensive report for the client which offers clear advice and is focused on the best route to an effective outcome so that unnecessary costs are not incurred.

We firmly believe that in specialist cases there is no substitute for experience, and, particularly where commercial and professional reputations may be at stake, we recognize there is always a need to handle cases sensitively, communicate effectively with the Insured and other interested parties, and keep the commercial realities in mind.

We specialise in the following areas:

  • Product Liability
  • Product Recall
  • Public Liability / Motor Property Damage
  • Contractors Liability
  • Professional Indemnity
  • Errors and Omissions
  • Contractual / Policy Issues
  • Litigation Support
  • Risk Management Advice
  • Recoveries

For further information on TLN Special Risks, please contact richardlittle@liabilitynetwork.co.uk

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