"What do insurance lawyers do?" 

Key Facts

Most of us have come across 'insurance' before. Whether that's car insurance, phone insurance, home insurance, contents insurance (for example insuring all your items when you're staying in halls of residence), life insurance and various other types of insurance. You can get insurance for pretty much anything!

 

Insurance provides us with a degree of protection. We are passing the risk of potentially losing an insured item or breaking it or having it stolen to the insurance provider (paying for the privilege to do so).  

What does an insurance lawyer do?

The type of work a lawyer practising in insurance law will do will depend on whether the lawyer is acting on behalf of an individual or a company.

 

If a lawyer is acting on behalf an individual, they'll be bringing claims against insurance companies. This will usually be done because the insurance company has rejected their claim that has been brought under an insurance policy. 

If a lawyer acts on behalf of the insurance company, there's lots more work involved and that's because there'll be the usual legal support that all businesses tend to need (employment issues, commercial contracts, any property issues such as licences/leases to occupy offices and any corporate restructures or mergers) and then there's the specific insurance related work such as: 

  • advising companies on claims that have been made against them and assessing the strength of the case; 

  • preparing court documentation in the even that a claim goes to court; 

  • liaising with barristers to build a legal defence case; 

  • interviewing witnesses to gather evidence and drafting witness statements; 

  • seeking expert evidence and reviewing expert reports (such as road traffic accident specialists for example); and

  • supporting a client through arbitration proceedings. 

Skills to be an Insurance Lawyer...

  • Good knowledge of the insurance industry

  • Strong commercial awareness.

  • Ability to work well under pressure.

  • Excellent drafting skills and ability to review contracts for detail

  • Strong communication and negotiation skills.

  • Analytical.

  • Solid knowledge of contract and tort law to enable effective drafting.