Call us
Menu 
Close ATE Clinical Negligence
This should be as soon as you are able to assess the prospects of success – normally following a full review of the client’s dental records.
Our insurance cover provides a combined limit of indemnity of £300,000 as standard. If additional cover is required, this can be provided through making a ‘top up’ request to us.
This should be as soon as you are able to assess the prospects of success - normally following a full review of the medical records. However, due to the complex nature of these cases, an expert’s opinion may be needed if there are any uncertainties.
We encourage the use of ADR; the cost of this will be covered under the policy along with offering further mediation incentives.
As soon as you are able to assess the prospects of success. This is normally following a full review of the medical records, however, due to the complex nature of surgical negligence cases, it may be necessary to obtain an expert’s opinion on causation if there are any uncertainties.
Our ATE insurance provides extensive cover for initial breach and causation reports. The limit of indemnity starts at £15,000 rising to a maximum of £50,000, depending on the value and complexity of the case. Once liability and causation reports have been obtained, there is an additional £250,000 for all other expenses which is sufficient for the majority of cases. If additional cover is required, this can be topped up.
We encourage the use of ADR and the cost of this will be covered under the policy.
Yes, disbursements incurred following the date of the CFA will be covered under the policy.
As soon as you are able to assess the prospects of success. This is normally following a full review of the medical records, however, due to the complex nature of misdiagnosis cases, it may be necessary to obtain an expert’s opinion on causation if there are any uncertainties.
Our product provides a standard £50,000 for breach and causation reports along with an additional £250,000 for all other expenses which is sufficient for the majority of cases. If additional cover is required, this can be topped up.
Temple support and encourage the use of mediation. We offer mediation incentives, should the case settle at mediation.
Yes, we provide full retrospective authority from the date of the CFA.
We would ask that insurance is sought as soon as you have been able to make an assessment of the prospects of success. We would expect this to have included a full assessment of the medical records.
Yes, disbursements incurred following the date of the CFA will be covered under the Temple ATE insurance policy.
This should be as soon as you are able to assess the prospects of success - normally following a full review of the medical records. However, due to the complex nature of these cases, an expert’s opinion on causation may be needed if there are any uncertainties.
Our insurance cover provides a standard £50,000 for breach and causation reports along with an additional £250,000 for all other expenses; this is normally sufficient for the majority of cases. If additional cover is required, this can be provided as a ‘top up’.
ATE provides numerous benefits to clients wishing to pursue a legal action. These include, but are not limited to:
- Cover of up to 250k.
- Obtained via TOPS, avoiding wasted time and cost.
- Fully deferred premium contingent upon success.
- Premium not payable in the event of an unsuccessful claim.
- Retrospective cover to the date of the retainer.
- Competitively priced premium.
- Claims can be pursued to their fullest extent.
- Removes the risk of having to pay the opponents legal costs if the dispute is pursued unsuccessfully.
- Can provide protection from interim costs orders.
Since April 2013, the law on paying for insurance premiums was changed.
Previously premiums were fully paid for by the defendant. However, since the law was changed, some of the premium is paid for by the Defendant, this is known as ‘Premium a.’ Another element of the premium is now paid for from the client’s damages, this is typically referred to as ‘premium b.’
Qualified One-Way Costs Shifting (QOCS) was introduced to remove liability for opponents’ costs from the claimant in the event they lose their injury or clinical negligence case. It does not provide protection from failure to beat a ‘Part 36’ offer.
Our ATE insurance cover protects claimants from the liability to pay opponents’ costs from the date of the ‘Part 36’ offer up to and including the trial.
ATE insurance also pays one’s own disbursements that have been incurred as a result of having to pursue the claim such as Court fees and expert fees etc.
This means that more than just the risk of paying the other sides fees can be off set. Clients can also offset some of the risk in terms of their own capital.
At Temple we can provide ATE cover for all manner of clinical negligence meaning our underwriting team can comprehensively discuss and understand your needs. A non-exhaustive list of the types of clinical negligence disputes Temple provides cover for, are listed below:
- Surgical negligence.
- Misdiagnosis claims.
- Pregnancy and birth injury claims.
- Prescription and medication errors.
- Cosmetic surgery negligence.
- Dental negligence.
- Opticians negligence.
QOCS does reduce the amount that your client will pay if they are unsuccessful in their case. However; there are such costs that will have to be paid, such as their own disbursements [including court fees and medical evidence etc]. In addition, if your client fails to beat a defendants part 36 offer, then the defendant can claims costs up to the sum awarded for damages.
At Temple we work with firms on a delegated authority basis for ATE Insurance. This is subject to the value of the case, a firm’s case volume, case performance history and ability to demonstrate their success and specialism in the relevant area of litigation.
This is because, as a case progresses, litigation insurers become less willing to insure cases because the risks involved become greater.
Under our scheme, all disbursements have to be reasonably incurred and we expect the experts’ fees to be reasonable in comparison with their peers. If in any doubt, a quick referral by email to us can be made.
You can instruct the reasonable number of experts from different disciplines as the case requires; we expect you to follow the advice of Counsel and your lead experts in deciding how many experts are necessary.
Yes. Under delegated authority, the solicitor can select appropriate experts and Counsel without obtaining our prior consent. We expect the experts’ fees to be checked first for reasonableness. We do not cover Counsel’s fees but expect a barrister of suitable experience to be instructed and to act under a CFA.
The solicitor must notify us. We will ask if the merits have been affected. If not, we will endorse the policy to show a change to the Insured. It will be likely to take the form of “A N Other as Personal Representative or Executor of the Estate of XX deceased”. The fact that the solicitor will have to enter into a new CFA does not affect the policy.
You will have experienced many cases where intense feelings have arisen. The persuasiveness of an apology should never be overlooked. It is not something which can be ordered by a court, but can be incorporated into a mediation settlement agreement. An experienced mediator can often break the impasse by impartially helping both sides resolve their issues. The statistics speak for themselves.
Recent guidance from the courts makes it clear that the courts will expect disputing parties to explore the possibility of mediation – or risk being heavily penalised in costs, even if you succeed.
In the long term cases will settle earlier allowing new ones to come through. Weaker cases could also be discontinued earlier. All in all, you would not lose out from using mediation where possible.
Mediation is faster and less expensive – it avoids the legal costs of fighting litigation or even arbitration. Settlement is often agreed on the day (74%) and 15% settle shortly after. It is a non-binding process and even if settlement is not achieved on the day or shortly after, many of the issues can be narrowed down, leading to a faster conclusion of the case.
Yes. Normally Claimant solicitors’ are asked to pay 50% up front and that is a recoverable disbursement covered under the policy. The Defendant’s 50% is also covered subject to QOCS.
Please let us know of any challenges to the premium on receipt and our underwriters will be more than happy to assist you with these.
Temple Legal Protection are happy to provide a bespoke quote in such matters and any other matters which may require it.
Temple does provide cover on a delegated scheme basis, however, only for claims that arise from exposure to asbestos
Running a number of high value cases can tie up money with issue fees and expert reports that may take years to recover. With Temple’s disbursement funding facility, these fees can be settled quickly without affecting your cash flow.
Yes, providing the case is insured with Temple, disbursement funding will be available.
The policy can continue with personal representative who is pursuing the matter on behalf of the estate; subject to entering into a CFA with the law firm.
We have an experienced premium challenge team with who are able to assist in preparing replies to any challenge.
ATE Commercial
Yes. ATE is often used by well-resourced clients as a way of managing risk and avoiding uncertainty around potential adverse costs, particularly in higher value or more complex disputes.
ATE can reduce exposure to adverse costs, which can be an important factor when considering settlement strategy. Staged premiums can also reflect key points in the life of a case. Certain cases are also eligible for a mediation discount therefore if a case settles at a Mediation we will offer a 30% reduction to the premium applicable.
A clear case summary is key. This would usually include background facts, your view on merits, any known weaknesses and how these may be addressed, along with key documents such as pre-action correspondence. Ideally the parties will have exchanged a Letter of Claim and received a Letter of Response so that we can evaluate both sides of the case.
Each case is assessed on its own merits, based on the available evidence and overall prospects of success. We are generally looking at an assessment of 60% in respect of legal merits, but for defamation and privacy cases we are looking at a 51% threshold.
The earlier a case is considered, the more options are usually available. In most instances, this is once the merits can be reasonably assessed following initial investigation and pre-action correspondence.
The ATE insurance policy is purchased after a legal dispute arises and the best time to send a case to us is as soon as you are reasonably able to assess the merits of the claim. Usually, this is after your investigation and the pre-action correspondence has been completed, and before proceedings are issued. However, cases can be referred to us at any stage.
Temple Legal Protection prioritise the merits of the case, not the basis of the retainer you have with your client. Whilst it is a sign of confidence in a case if a firm is risking all or part of its fees, our underwriters know that in the commercial world, it is a benefit for fees to be paid in the traditional way and that such an arrangement is not indicative of a solicitor’s view of the merits and risk. We regularly insure cases where the client pays his solicitor’s fees as the case progresses.
Yes. It is not necessary for the Insured party to be the claimant or applicant. The legal and commercial merits are the most important factors considered by our underwriters.
Yes. An executor may be in the position where it is necessary to prove a will in solemn form. They may also be the defendant/respondent to a case or application brought by a beneficiary or other interested party. Costs are not always paid out of the estate and it may be necessary to consider protecting an executor from an order for costs.
Our underwriters are able to tailor the insurance and funding product to meet the needs of the case. Usually, the premium is calculated by reference to recovered damages and the client’s own costs.
If your client is seeking declaratory relief rather than damages, the premium is based either on a percentage of the limit of indemnity or your client’s incurred costs. All policies include a ‘premium cap’, limiting the premium to a specified percentage of the amount of cover.
Traditional legal expenses insurance is often referred to as Before-The-Event or ‘BTE’ cover. ATE insurance for contentious trusts and probate disputes used by solicitors is often known as After-The-Event or Litigation insurance. Whichever terminology you use, it is a tailored policy put in place with the specific aim of protecting your client from having to pay the opponent’s costs and their own disbursements if they lose their case. It is unique in that the insurance policy is only entered into after a contentious trusts and probate dispute has arisen.
- No upfront cost of obtaining litigation insurance – we do not charge an assessment fee.
- Payment of the premium is deferred until the conclusion of the case and is contingent on a successful outcome.
- Insured clients will have access to disbursement funding from Temple Disbursement Funding, a subsidiary of Temple Legal Protection. This can be used to fund the court issue fee, expert reports and mediation without any risk to your client.
Whilst the main function is to pay the other sides legal bill on behalf of the client in the event that their legal action has failed it can also cover other costs of the dispute.
For example, litigation insurance can also pay one’s own disbursements that have been incurred as a result of having to pursue the claim such as Court fees and expert fees etc. This means that more than just the risk of paying the other sides fees can be off set. Clients can also offset some of the risk in terms of their own capital.
Litigation insurance can also respond prior to the conclusion of the legal action. For example, our ATE policy also covers adverse costs orders in respect of interim applications.
We would encourage you to propose cases to us at the outset without a Counsel’s opinion, since it is not a pre-requisite. Ideally, we would like a case summary from you – to include the background facts of the case, the strengths and weaknesses of the case, how any weaknesses might be overcome, and your overall view of the merits.
Traditional legal expenses insurance is often known as Before-The-Event or ‘BTE’ cover. Litigation insurance for competition law disputes used by solicitors is commonly known as After-The-Event or ATE insurance. The latter is the technically correct term but your clients may better understand ‘litigation insurance’. Whichever terminology you prefer, it is a bespoke policy put in place with the specific objective of protecting your client from having to pay the opponent’s costs and their own disbursements if they lose their competition claim.
Traditional legal expenses insurance is often referred to as Before-The-Event or ‘BTE’ cover. Litigation insurance for public law disputes used by solicitors is commonly known as After-The-Event or ATE insurance. The latter is the technically correct term but your clients may better understand ‘litigation insurance’. Whichever terminology you use, it is a tailored policy put in place with the specific objective of protecting your client from having to pay the opponent’s costs and their own disbursements if they lose their case.
The client. This is usually deducted from the damages recovered. However, our insurance premiums are always fully deferred until successful conclusion of the matter. If the matter is unsuccessful then the premium will not be payable, but we will pay the opponent’s costs and your client’s disbursements.
Traditional legal expenses insurance is often referred to as Before-The-Event or ‘BTE’ cover. Litigation insurance for financial mis-selling claims is used by solicitors and is commonly known as After-The-Event or ATE insurance. The latter is the technically correct term but your clients may better understand ‘litigation insurance’. Whichever terminology you favour, it is a tailored policy put in place with the specific objective of protecting your client from having to pay the opponent’s costs and their own disbursements if they lose their claim.
Yes. Some claims pursue libel, copyright and data protection heads of claim. Our specialist underwriting team is able to deal with a host of issues that may arise in pursuing these claims ‘mixed’ claims and we can agree the terms of the premium to distinguish between the recoverable and non-recoverable elements of a premium in a mixed claim. Please give us a call on 01483 577877.
If the premium is going to be assessed, we will assist you in drafting the relevant parts of the Reply to the Points of Dispute. In some circumstances, we will seek our own advice from counsel and might intervene to argue any issue as to the recoverability of a premium.
The insurance premium is recoverable from the losing party.
Traditional legal expenses insurance is often known as Before-The-Event or ‘BTE’ cover. Litigation insurance used by solicitors for media law cases is commonly known as After-The-Event or ATE insurance. The latter is the technically correct term but your clients may better understand ‘litigation insurance’. Whichever terminology you favour, it is a bespoke policy put in place with the specific objective of protecting your client from having to pay the opponent’s costs and their own disbursements if their media claim fails.
Whilst we do not ordinarily require a solicitor to act on a CFA for any area of work, it is usually the position that lawyers acting on insolvency disputes are instructed on a CFA basis. If you are not working on a CFA basis, we may ask why this is and how the fees are funded. This will not affect our view of the merits of the case.
The standard terms and conditions provide indemnity for the Insured’s own disbursements and the other side’s costs. Own disbursements which are indemnified under the terms of the policy, for example mediator’s fees or the cost of an expert report, will be eligible for disbursement funding.
We understand that global settlements are commonplace in insolvency litigation. If it is necessary to reduce the premium in order to bring about a settlement, we can consider doing so on a commercial basis that works for us and the client.
The insolvency practitioner will be liable to pay the premium.
The Insured will usually be recorded as the insolvency practitioner, acting as the trustee in bankruptcy, administrator or liquidator.
Traditional legal expenses insurance is often known as Before-The-Event or ‘BTE’ cover. Litigation insurance for insolvency disputes is used by solicitors and is commonly known as After-The-Event or ATE insurance. The latter is the technically correct term but your clients may better understand ‘litigation insurance’. Whichever terminology you prefer, it is a bespoke policy put in place with the specific objective of protecting your client from having to pay the opponent’s costs and their own disbursements if they lose their case.
Ideally we would see a copy of an expert report at the outset, but it is not a prerequisite for a proposal to be made. There are many cases we review where an expert report is not available early on in the case, and it will be produced later.
Traditional legal expenses insurance is often known as Before-The-Event or ‘BTE’ cover. Litigation insurance for shareholder disputes used by solicitors is commonly known as After-The-Event or ATE insurance. The latter is the technically correct term but your clients may better understand ‘litigation insurance’. Whichever terminology you prefer, is a bespoke policy put in place with the specific objective of protecting your client from having to pay the opponent’s costs and their own disbursements if their shareholder dispute is unsuccessful.
To apply for litigation insurance and disbursement funding on an individual case basis, please complete and send a Commercial Proposal Form to us – along with copies of the pertinent papers (e.g. pre-action correspondence, pleadings etc.). Please do contact us if you would like to speak with an underwriter before sending the case in to us.
Traditional legal expenses insurance is often known as Before-The-Event or ‘BTE’ cover. Litigation insurance for property disputes used by solicitors is commonly known as After-The-Event or ATE insurance. The latter is the technically correct term but your clients may better understand ‘litigation insurance’. Whichever terminology you prefer, it is a bespoke policy put in place with the specific objective of protecting your client from having to pay the opponent’s costs and their own disbursements if they lose their case. It is unique since the insurance policy is only entered into after a dispute has arisen.
The litigation insurance policy is purchased after a legal dispute arises.
The best time to send a case to us is as soon as you have been able to adequately assess the merits of the claim. Usually, this is after your investigation and the pre-action correspondence has been completed, and before proceedings are issued. However, cases can be referred to us at any stage.
Is your client really prepared to put their business at risk based on the outcome of their claim?
In addition, the business may be required to show the potential amount of their opponent’s costs they might have to pay in their accounts as a contingent liability. If they have litigation insurance cover in place, this contingent liability disappears. All they need to account for is the premium, which is agreed at the outset, and is only payable if the case is successful.
As a case progresses, providers of litigation insurance such as Temple Legal Protection become less willing to insure cases because the risks involved become greater and cases are much less likely to settle as they approach trial. The best time to propose a case to us is at the stage when the merits of the case can reasonably be assessed. Typically clients ask us to look at cases after the prospective defendant has provided a substantial response to a letter of claim and we find that we are then in a position to decide if we can offer to insure the case.
We can provide a policy to your client on behalf of the insurer before the claim itself is issued and, by choosing if your client choses a staged premium and insured pre-issue, they will inevitably benefit from a lower premium if their claim settles at that stage. This also gives the client the certainty of having a policy in place since, if they delay, they may not find a provider willing to take on their case at all.
No. Our products and services are available regardless of the type of retainer you have with your client.
If the client company or the business owner prepared to write-off the difference between the insurance premium it will have to pay if, but only if, the claim succeeds and the full amount of the other side’s costs, which their business will have to pay if the claim fails?
Because there is a 40% chance that your client could lose the case and have to pay the other side’s costs and their own disbursements. For example if the other side’s costs for defending the claim come to £100,000, your client will have to pay those costs. With litigation insurance cover in place, the insurer will pay those costs and any own disbursements and only in the event the action does settle in the client’s favour, will the premium become payable. The premium will always be cheaper than the adverse costs an un-insured claimant would have had to pay.
ATE provides numerous benefits to clients wishing to pursue a legal action.
- Claims can be pursued to their fullest extent
- Litigation Insurance removes the risk of having to pay the opponents legal costs if the dispute is pursued unsuccessfully
- It mitigates the clients own expenditure on disbursements etc
- It provides protection from interim costs orders
Save for some media cases, the client has to pay their litigation insurance premium. This is usually deducted from the damages recovered. However, our insurance premiums are always fully deferred until successful conclusion of the matter. If the matter is unsuccessful then the premium will not be payable, but the policy will still respond to the claim for the insured amounts.
We have a range of premiums to suit every case. Factors governing the cost of litigation insurance include: –
- the value of the claim;
- the amount of the insured’s own costs;
- the merits of the claim;
- the nature of the litigation, and;
- how much cover is sought.
Whilst most of our clients have in the past have been claimants, any party to litigation can obtain Litigation insurance whether they are the claimant, defendant or a Third Party/Part 20 claimant or defendant.
Litigation insurance works for all!
Clients of limited means who could never pay any order for costs if their claim failed cannot embark on litigation without litigation insurance.
Clients of modest means and small businesses who would struggle to pay any adverse costs order need Litigation Insurance to ensure they can take on a better resourced opponent on an equal footing. How often has a client had to concede early and accept a poor offer in order to avoid the risk of paying out costs later? Litigation Insurance protects them and gives them the means to achieve a good outcome.
Well-resourced clients such as high net worth individuals and large corporates look to Litigation Insurance to hedge the risk of litigation. Why would a company have a contingent liability to pay an unknown sum in costs in their accounts when litigation insurance gives them the certainty that if they win they will pay a premium that can be agreed and fixed at the outset and if they lose no liability to pay adverse costs will arise.
Whilst the main function is to pay the other sides legal bill on behalf of the client in the event that their legal action has failed it will also cover the client’s own disbursements such as Court fees and expert fees etc. This means that more than just the risk of paying the other sides costs can be off set.
Litigation insurance can also respond prior to the conclusion of the legal action. For example, our ATE policy also covers adverse costs orders in respect of interim applications.
Litigation insurance is a one-off insurance policy that allows a party (the claimant or the defendant) to transfer the risk of losing their dispute to the insurer rather than bear it themselves. The insurance policy will respond to the opponent’s legal bill in the event that they have been unsuccessful in their dispute and pay any of the insured’s disbursements.
Litigation insurance is often misunderstood. It is used once a legal dispute arises and, in the event your client’s case loses, it provides cover to the client for both any costs payable to the opponent and any own disbursements. If the client loses their case, they do not pay the premium since it is self-insured by the policy. Temple’s litigation insurance premiums are also deferred until conclusion of the case. Therefore in the happy event that the client wins their case, only then would they have to pay the insurance premium.
We recognise that even our own market-leading Litigation Insurance cover will not always be accepted as sufficient to respond to an application for security for costs. For the right case, we can provide an anti-avoidance clause that we find provides sufficient security. Because it results in an increased risk, anti-avoidance clauses can only be offered in cases that are strong and only on the basis of an increased premium. But our premiums are deferred and contingent on success – you will not have to pay anything “up-front” if we agree to include an Anti-Avoidance clause in a policy.
If there is a counterclaim at the outset, or it arises later, you will need to tell our underwriters. We will then discuss the merits of the counterclaim with you and review the merits as part of the underwriting process. Our insurance can provide cover to include opponent’s costs arising out of the counterclaim or these costs can be excluded from cover. We would always prefer to provide cover for both the claim and any resulting counterclaim but we have to judge each case on its merits.
IPT is paid by clients based in the UK at a rate set by the UK government. IPT is also paid by clients based elsewhere in the EU and the European Economic Area (“EEA”). Different rates are set by each member state. No IPT is payable by clients based outside the EU or the EEA. When you ask us to consider insuring a case, do let us know if the client seeking insurance is based outside the UK.
Litigation insurance, often referred to as After-The-Event or “ATE” insurance, insures your clients against the risk of having to pay the other side’s costs if your client is unsuccessful. In those circumstances, it also re-pays their own disbursements.
ATE for Northern Ireland
- We’re confident our pricing is extremely competitive and fair. Our new premiums have been carefully calculated to be workable and attractive to your clients.
- The premiums are also proportionate to any damages recovered by the client – and suitable for all litigation types, regardless of value.
- We will consider a case at any stage – whether at the outset when medical records have just been reviewed, after response from the Opponent, or after the Writ has been issued.
- We provide a total LOI tailored to each case. This single LOI will cover all of the elements of the claim we insure – namely own disbursements, own counsel’s fees and adverse costs.
- ATE insurance (also known as litigation insurance) from Temple provides the security that parties need when engaged in a legal dispute. In the event of an unsuccessful case, our insurance covers own disbursements, own counsel fees and adverse costs.
- Clients who have an ATE insurance policy with us can automatically benefit from the use of our disbursement funding, which enables them to drawdown money on a CCA so they are not out of pocket for disbursements as the case progresses.
- Temple take assume a large amount of the risk, ensuring that plaintiffs can pursue their legal actions with more certainty around the potential cost, paving the way for firms to attract more client interest and run cases that otherwise may have been discontinued early due to lack of funding for the plaintiffs.
- We can insure a wide range of disputes, including personal injury, clinical negligence, and commercial litigation.
ATE Personal Injury
Our After The Event (ATE) insurance offers a wide range of benefits to claimants seeking to pursue personal injury claims.
The policy provides coverage of up to £250,000, which can be obtained efficiently via the TOPS online portal, helping to avoid unnecessary time and costs.
One of the key advantages is the fully deferred premium, which is only payable if the claim is successful; if the claim is unsuccessful, the premium is not payable at all.
The insurance also offers retrospective cover from the date of the retainer, ensuring comprehensive protection from the outset.
With competitively priced premiums, claimants can pursue their cases to the fullest extent without financial barriers.
Importantly, the policy removes the risk of having to pay the opponent’s legal costs if the dispute is not successful and can also provide protection from interim costs orders, giving claimants greater peace of mind throughout the legal process.
In personal injury cases, when a claim is successful, the premium for the ATE insurance policy is payable by the claimant. This payment is made from the damages that are recovered as a result of the claim.
Essentially, the cost of the insurance does not need to be paid upfront or during the course of the proceedings; instead, it is settled from the compensation awarded to the claimant at the conclusion of a successful case. This arrangement helps ensure that claimants can pursue legal action without worrying about immediate insurance costs, making access to justice more attainable.
This insurance covers the claimant’s own reasonable disbursements, such as court issue fees and expert fees, which are incurred while pursuing a legal claim.
In addition to these disbursements, ATE insurance provides crucial protection against the risk of having to pay the opponent’s legal costs. The insurance safeguards claimants from liability for the opposing party’s costs if the claim is unsuccessful by providing cover to pay opponents costs from the date of the ‘Part 36’ offer up to and including the trial.
By offering this dual coverage, our ATE insurance enables individuals to pursue justice without the fear of substantial financial loss, making legal action more accessible and less risky for those seeking compensation for personal injuries.
Still have questions?
Our team is on hand to provide the answers you need. Feel free to get in touch to discuss your specific requirements.
01483 577877