Business Insurance Disputes Solicitors with offices based in Dorset, Wiltshire and Hampshire
Insurance is essential to keeping businesses running smoothly, offering reassurance when challenges arise. But when a claim is disputed, delayed or denied, it can quickly become stressful and financially damaging. Our specialist business insurance disputes team supports businesses, insurers and brokers across a wide range of complex issues, ensuring problems are resolved as efficiently and commercially as possible.
Whether you’re dealing with a broker dispute, a refused indemnity, or a large‑scale claim, we focus on delivering clear advice, strong representation and practical solutions that protect your business interests.
What do our business insurance disputes solicitors do?
Our specialist team advises on all types of business insurance disputes, acting for major UK and European insurers and brokers, as well as businesses of all sizes. We manage claims ranging from modest disputes to multi‑million‑pound cases, tailoring our approach to your commercial objectives and the complexity of the issue.
Where possible, we pursue cost‑effective alternatives to litigation such as negotiation, mediation and early settlement discussions. However, when court action is required, we provide robust, strategic representation to help you secure the best possible outcome.
Our work spans the full spectrum of insurance litigation, including defending liability claims, advising on coverage questions, resolving broker negligence issues and handling disputes before the Financial Ombudsman Service. We also assist businesses with issues arising from catastrophic injury claims, employers’ liability insurance, product liability, motor insurance disputes, international insurance, rural and agricultural policies and equine insurance.
Whatever the nature of your dispute, our practical, hands‑on support ensures your case progresses efficiently, with your commercial priorities at the forefront.
We also advise on “no cover” disputes, which arise when an insurer declines to indemnify a policyholder. This can happen for various reasons, including historic claims where policy details have been lost, circumstances that fall outside insurable events such as assault or abuse allegations, or situations where an insurer alleges a breach of policy terms. Our team helps businesses understand the basis of a no‑cover decision, challenge it where appropriate, and secure access to the protection they reasonably expected under their policy.
Our experience in business insurance disputes law
- Successfully acting for the Defendant in a multi‑million‑pound clinical negligence claim arising from elective limb‑lengthening surgery, concluding in a negotiated £600,000 settlement following a fully contested Trial.
- Acted for the Defendant in a severe knee‑injury claim brought by an 18‑year‑old pedestrian, achieving settlement at £415,000, well below the £832,000 claimed.
- Defended a high‑value motor collision claim exceeding £1 million, successfully challenging the Claimant’s allegations through social media and surveillance evidence that revealed evidence of exaggeration, leading to settlement limited to existing interim payments only.
- Defended a high‑value motorcyclist injury claim involving multiple fractures and psychiatric allegations, achieving a £150,000 settlement, substantially below the £350,000 claimed, after challenging prognosis evidence, scrutinising costs and utilising social media intelligence.
- Successfully defended a complex credit‑hire dispute originally valued at over £45,000, with the court ruling the hire agreement unenforceable and reducing the claimed hire charges to £5,210, resulting in the Defendant beating their Part 36 offer and recovering indemnity costs.
- Successfully defended an occupiers’ liability claim after a customer alleged serious shoulder injuries from a fall in a bar, with liability denied due to lack of evidence of an alleged wet floor and evidence of the Claimant’s intoxication, resulting in the Claimant’s solicitors closing their file.
Why choose Trethowans business insurance disputes solicitors?
Insurance disputes can be disruptive and costly, so choosing the right legal team is vital. Trethowans combines sector‑wide expertise with a deep understanding of the realities businesses face when a claim is challenged. Our team is known for its practical, commercially focused advice and its ability to resolve matters swiftly without unnecessary escalation.
We act for insurers, brokers and businesses across the UK and Europe, giving us a well‑rounded perspective on how disputes arise and how best to resolve them. Our approach blends technical legal knowledge with clear communication, helping you feel informed and supported at every stage.
With experience spanning everything from personal injury defence to complex coverage disputes, we provide a strategic, hands‑on service tailored to your objectives. When you choose Trethowans, you gain a team committed to achieving a prompt, cost‑effective resolution, allowing you to focus on running your business.
Our defendant insurance expertise is also independently recognised by the leading legal directories. Kelvin Farmaner is ranked UK‑wide by Chambers for Personal Injury: Mainly Defendant, reflecting his extensive experience in complex, high‑value defendant work. In the Legal 500, Trethowans is ranked for Personal Injury: Defendant in the South East (Insurance), with both Kelvin Farmaner and Bethany Blamire recognised as Leading Partners for their contribution to this field. These rankings highlight the depth, capability and proven track record of our business insurance disputes team.
More about business insurance disputes
Business insurance law covers a wide range of policies designed to protect companies from financial loss. Disputes often arise over coverage wording, notification issues, broker advice, liability assessments and questions of causation. Understanding the legal framework surrounding these policies is essential to enforcing your rights and ensuring your insurer, or broker, has acted correctly.
Our team regularly advises on disputes involving public liability, employers’ liability, professional indemnity, motor insurance, property damage, international policies and niche sectors such as rural and equine insurance. We help businesses interpret their policy, assess the strength of their claim and establish whether the insurer is justified in refusing or limiting cover.
With early legal involvement often improving the prospects of success, we encourage organisations to seek advice as soon as a potential dispute arises. Our goal is always the same, to safeguard your business and secure the outcome you deserve.
Contact Trethowans business insurance disputes solicitors today
To find out how we can help resolve your business insurance dispute, get in touch with our team here or call 0800 2800 421.
