GETTING BUSINESS INTERRUPTION INSURANCE PAID OUT FOLLOWING THE COVID-19 OUTBREAK
HOLDING INSURERS AND INSURANCE BROKERS TO ACCOUNT
HOLDING INSURERS AND INSURANCE BROKERS TO ACCOUNT
Insurance Justice helps businesses find legal assistance to claim the compensation that an insurance company has failed to pay out, or for which an insurance broker has become liable, following the Covid-19 outbreak.
This legal help is achieved in two main ways. We help find you a law firm to take on your case against the insurer or alternatively get them to examine whether there is a potential mis-selling or professional negligence claim against your business insurance broker.
We also use the media to help create multi-party claims and campaign for reform of the insurance industry.
Insurance Justice was set up after many businesses discovered during the Covid-19 crisis that their Business Interruption insurance clause would not pay out for losses suffered a result of the pandemic.
Working alongside legal firms we are identifying valid insurance policies and then helping put together legal claims.
There could be thousands of businesses in the UK who have a valid claim on their insurance who need help to get the compensation they are due.
Insurance Justice was set up by media consultancy firm Jonathan Hartley Associates (JHA) and Clear Legal Marketing Limited (CLM) who had been contacted by clients to raise awareness of the fact they not been paid out by insurers or let down by brokers.
With an existing network of law firm contacts, many with specialist experience in challenging insurers, JHA and CLM set up Insurance Justice to help clients get the legal representation that they need.
You do not need to use our services to make a claim against your insurer. You can do this yourself directly with the insurer. If you are a small business you can also complain to the Financial Ombudsman Service for small businesses by visiting https://sme.financial-ombudsman.org.uk/.
If you unsure if you are qualify as a ‘small business’ then you can contact the Financial Ombudsmen Service on 0800 023 4567 to find out more. If you aren’t sure how to make the claim, you can get free, impartial advice from consumer organisations.
Insurance Justice will help find you a law firm to represent you against your insurance company.
Our legal contacts mean that we can help find you the best law firm for your Business Interruption insurance claim.
The law firm would normally be willing to take on your case on one of the three following premises:
1. As an individual case against the insurer or insurance broker.
2. Joining you to an existing multi-party claim.
3. Creating a multi-party claim for you to join.
The more businesses that sign up the more viable a claim becomes.
A multi-party action helps to balance the scales of justice in favour of the businesses making the claims.
Insurance justice does not you charge you anything for the initial assessment of your case. Once we have passed your case to one of our Panel Solicitors and they agree to act on your behalf, they will pay a share of their costs to Insurance Justice on successful cases for making the introduction. This fee will not be deducted from your compensation.
All our panel solicitors will discuss a range of funding options with you including the possibility of acting on a "no win no fee" basis.
If you cancel an agreement that you enter into with a law firm after the cancellation period, they may charge you a termination fee.
We fight to get businesses the insurance compensation that they should have been paid out under the terms of their Business Interruption policy after the Covid -19 outbreak.
Law firms can investigate whether your insurance broker has mis-sold you a policy or has given you professionally negligent advice.
This is particularly pertinent with Covid-19.
We can help hold insurers and brokers to account in the media by exposing their malpractice and campaigning for industry reforms.
Discover more about how we can help you to successfully make a valid claim on your Hiscox Insurance Business Interruption policy.
Find out how we can assist you to successfully make a valid claim on your RSA Insurance Business Interruption policy.
Discover how we can help businesses get paid out on their QBE insurance Business Interruption policy.
Insurance Justice was born out of necessity.
For too long a number of insurers have been willing to hide behind oblique policy wording that allows them to refuse to make the compensation payouts for which their clients believed they had cover.
This practice came into sharp focus with the advent of the Covid-19 outbreak.
Suddenly businesses that had been paying out large premiums for many years to cover themselves for such an unexpected event were told that their Business Interruption clause on their insurance policy did not constitute a valid claim.
Jonathan Hartley Associates (JHA) was contacted by a large number of business owners wanting to expose what was happening but what became even more concerning was that when the media consultancy firm referred clients to law firms it was told that actually many of these rejected claims should have been honoured.
The concern was raised that the longer these delays occurred already the more likely it was for already hard-pressed businesses to go bust. Any delay would also help insurers to argue Wide Area Damage which allows insurers to adjust a claim downwards on the basis there were other factors.
It became evident that if businesses were going to get the money they were due they would need to engage legal representation.
It also emerged during this time that many businesses may also have a potential mis-selling or professional negligence claim against the insurance broker who sold them the policy. Many business insurance brokers had sold policies that included 'Notifiable Disease Extension' which should have covered firms that suffered businesses interruption if there was a notifiable disease. However, despite the fact it was known Covid-19 was coming to the UK the brokers frequently failed to include the disease as part of the cover or warn them that they could not claim on that part of the policy.
With so much injustice for businesses let down by the insurance industry JHA and CLM decided to set up Insurance Justice to help victims realise legal claims to get the insurance pay outs that they were due.
On top of this Insurance Justice also has a campaigning role to help force through reform of the insurance industry.
Helping Businesses Get The Insurance Compensation They Are Due.
09:00 – 17:00
Insurance Justice is a trading name of Clear Legal Marketing Limited, a Claims Management Company, (registered number 07933243) whose registered address is Unit 115-119 Timber Wharf, 42-50 Worsley Street, Manchester M15 4LD and who are Regulated by the Financial Conduct Authority. Its registration is recorded on the website https://register.fca.org.uk. Reg No: 833090, Registered with the Information Commissioners Office. Reg No: Z3370717
All calls to Clear Legal Marketing Ltd are recorded in line with the FCA requirements
© Insurance Justice 2020