Case by case or Ad-Hoc ATE Insurance

Ad-Hoc ATE Insurance is for law firms which prefer, or need, to apply for cover on a case by case basis.

It reassures your clients to pursue a justified claim or defence against a third party, removing the threat of increased and potentially devastating financial loss if the case reaches trial and is unsuccessful.

Is Ad Hoc ATE insurance for you?

The Ad-Hoc ATE insurance route may suit you because you:

  • Don’t want to confine yourself to a particular case type
  • Believe ‘one size’ doesn’t fit all and would like specialist expertise in testing the validity of a case, or finding the right policy for your client
  • Specialise in commercial disputes, which aren’t conducted under a CFA and may not fit scheme criteria
  • Might have an existing scheme for personal injury, which doesn’t cover clinical or dental negligence, probate or commercial dispute claims
  • Don’t have the volume of cases to gain membership of a scheme.
  • Have a high value or multi-defendant case unsuited to a delegated authority scheme which requires a tailored limit of indemnity.


Why choose Guardian Legal?

  • We can provide cover for:
    • Retrospective costs incurred prior to the inception of a policy
    • Own disbursements, as well as own counsel fees
    • CFA, part-CFA, non-CFA and DBA-funded claims
  • We can often provide access to funding for disbursements.
  • We make no charges for case reviews and are happy to advise and assist you with the preparation of your insurance application.
  • All policies offered by our panel of insurers are protected by the Financial Services Compensation Scheme.
  • Only minimal reporting is required by the insurers on our panel
  • Your client pays no up-front costs. Usually, all premiums will be
    • Deferred until end of case
    • Only payable upon a successful outcome
    • Self-insured
    • Highly competitive
    • Discounted to encourage early settlement
  • If your case is lost or abandoned, the premium is waived, subject to policy conditions
  • If unsuccessful, and even sometimes when successful, the claimant can face substantial costs, arising from expensive expert reports and failure to beat a Part 36 offer. An ATE insurance policy will protect against these financial risks.

If you are interested in a ad hoc ATE scheme... next step

If you are interested in membership of a Ad Hoc scheme contact us on 0207 118 1884 or email info@guardianlegal.co.uk. Alternatively download a proposal form today in conjunction with our guidance notes.

ATE Insurance