Insurance cover for a business is expensive but essential. Unfortunately, when you seek to rely on your cover, you may find your insurer reluctant to pay out. At Blaser Mills Law, we represent all kinds of businesses in disputes with insurance companies.

Representing your interests in a disputed insurance claim

A successful insurance claim can be absolutely vital to a business’s survival, but all too frequently insurers seek to reject or limit payouts. Our commercial dispute team has wide experience in dealing with insurance companies to insist that they adhere to the terms of their policies.

Our lawyers are commercially-focused and we understand the importance of enforcing a company’s rights. We can also work with you to ensure that all of your assets and risks are identified and are adequately covered by your insurance policy, to reduce the danger of a claim being rejected. We’ll go through the small print on your behalf to make sure your policy covers exactly what you need it to.

You can be sure that we will work closely with you to understand your needs and difficulties. We make sure that we are always available to speak to you throughout our dealings to discuss progress and answer any questions you may have.

When an insurance dispute arises

If you are in a situation and you need to make an insurance claim, it can be a nasty shock to find out that your insurer intends to reject your claim, either wholly or in part. Frequently, their reasoning for this is that they were not made aware of material facts when the policy was taken out, or that material facts have changed in the interim and they have not been advised of this.

Even if this is the case, an insurer does not always have the right to cancel a policy unless the failure to disclose was deliberate or reckless, or the unintentionally undisclosed material facts are such that the insurer would not have issued you with a policy, had they been aware of them.

Otherwise, your insurer will be required to make a payout, although this may be reduced to take into account the new material facts. This means that the amount you receive could be adjusted downwards to the sum the insurer would have offered originally, had they been aware of the facts.

An insurer may also try to allege that the terms of your insurance policy do not extend to the loss you are claiming for. In this event, we would look at a clear interpretation of the policy and advise you on how best to proceed with your claim.

Representing your business

We always make sure our advice is open, clear and honest. If your case is low on merit, we will let you know very early on, so that you can consider your options and seek a solution that minimises damage.

However, where you have a strong case, you can be sure that we will work hard on your behalf to obtain everything you and your business are entitled to. Our team comprises excellent litigators who have a good success rate in both court action and negotiations.

We will advise you on the best course of action, which could include applying to the Financial Ombudsman’s Scheme for smaller businesses. We’ll compile your claim and challenge your insurer’s response where necessary, to include putting together the necessary documentation by way of evidence.

Contact us

Having transparent legal advice on your insurance cover, before or during a claim, is imperative for protecting your business. You can turn to us whenever an issue arises, and we will guide you through the process of challenging an insurer in the most sensible and strategic way.

At Blaser Mills Law our commercial dispute team offers advice on disputed insurance claims across all sectors. To discuss your situation, call Alka Kharbanda on +44 (0) 1494 478 611 or, email at

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