Policyholder Coverage Advice & Disputes

When insurance cover matters most, we help policyholders secure the protection they've paid for.

Insurance is there to provide certainty when businesses face risk, disruption and loss. When cover is declined, delayed or disputed, the consequences can be significant.

Our specialist top-ranked insurance team advises policyholders on complex coverage issues and disputes across a broad range of sectors. We have the leading dedicated policyholder practice in Scotland, combining deep insurance expertise with the strength of one of the country's largest disputes practices. 

Whether through negotiation, mediation, arbitration or litigation, we help clients maximise recoveries and resolve disputes efficiently and commercially. 

Our expertise

We advise on all aspects of insurance coverage and policy disputes, including claims involving:

• Business interruption losses
• Property damage
• Employers' liability and public liability
• Directors' & Officers' (D&O) insurance
• Professional indemnity insurance
• Construction and cladding-related claims
• Marine liability and hull & machinery policies
• Cyber insurance and data breach claims
• Claims under the Third Parties (Rights against Insurers) Act 

We also regularly advise on insurer declinatures and coverage disputes arising from:

• Fair presentation of risk issues under the Insurance Act 2015
• Alleged breaches of warranty
• Policy interpretation disputes
• Late notification arguments and other coverage defences 

International Outlook

We are members of the Global Policyholder Alliance (GPA), the world’s largest global policyholder advocate network. Find out more here.

A commercially focused approach

We understand that insurance disputes often arise at critical moments for a business. Our focus is on delivering practical, commercially driven advice that protects your position and achieves the best possible outcome.

Where appropriate, we can discuss innovative fee arrangements designed to help clients manage risk and pursue valuable claims with confidence. 

Recognised expertise

Our insurance team is ranked Band 1 in Scotland by Chambers & Partners, with partners Ashley Jones and Andrew Forsyth also individually recognised for their expertise. 

If you're facing a coverage dispute, denial of cover or uncertainty over your policy response, our team can help you assess your position and protect your interests.

Key Contacts

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