After the Event (ATE) Insurance UK

ATE made easy

Pursuing a claim can be a complex and costly business. A Financial & Legal policy simplifies everything, enabling your clients to pursue their claim with no up-front costs and protection should their claim be unsuccessful. Our policies are comprehensive, cost-effective and can be tailored to reflect specific requirements.

Our ATE insurance policies cover personal injury, including road traffic accidents, employers liability, public liability and occupiers liability claims, industrial disease, financial mis‑selling and personal and commercial contractual disputes and debt recovery. We’re happy to evaluate individual risks and our premiums are competitively priced.

Industry expertise

The litigation sector faces significant change and challenges. The Financial & Legal team keep abreast of changes in the industry ensuring that we are proactive in approach and poised to be reactive when required.

“The service we receive is exceptional. Financial & Legal are always 100% committed to their clients, providing invaluable swift and professional service, going above and beyond to help. The way the team liaise with our clients is exceptional from start to finish; they deal with matters sensitively and diplomatically, which is vital at a time when clients are understandably vulnerable and have an ongoing legal case.”

Charlotte Roberts, Owner of Anglesey Insurance Services LTD

“We were looking for more than just an insurer. We wanted to work with professionals who understood our business and risks and who could see the bigger picture. With Financial and Legal we have a dedicated team, who listen to us and develop the products we need.”

True Solicitors

“Having been with a larger insurer we seemed to have become stagnant in waiting for decisions and also experienced a lack of innovation. The Financial and Legal team and their personal approach means we can now sell products with the confidence that we are providing our clients with maximum security and protection.”

Pabla and Pabla Solicitors

Why us?

UK-based legal expenses insurer authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Deferred premiums, due upon settlement
Delegated authority to Solicitors
Fixed and staged premiums available

Comprehensive ATE legal protection

Road Traffic Accidents
Employers’ Liability
Public Liability
Occupiers’ Liability
Industrial Disease
Personal Contract Disputes
Commercial Contract Disputes
Debt Recovery
Counselling Services and Helplines
Insolvency
Housing Disrepair
Home Buyers’ Insurance
Disbursements Cover
Opponent’s Legal Costs
Counsel’s Fees
Optional – Income for the Solicitor to Cover own Costs Shortfall
Optional – Part 36 Client damages shortfall cover
Insurance Premium (when the claim is lost)

Limit of Indemnity

Between £25,000 and £250,000 dependent on the type of claim and cover.

Delegated Authority

Provides certainty on premiums and reduced administrative burden.

Premiums

Available on a deferred and contingent basis.

After the event insurance

Enabling clients’ pursuit of claims with the protection of our comprehensive policies.