Policy Coverage

Key Contact

Richard Houseago

Richard Houseago

Head of Property Risks & Coverage

T:0203 436 2345

Our Property Risks & Coverage (PRC) team has experience in advising insurers and brokers on all types of policy coverage issues and can assist when you require assistance on whether a claim is covered.

We provide support throughout the decision process, including any challenge via the Financial Ombudsman Service (FOS) or the courts.

If you are considering avoidance of a policy, we can advise on whether there has been a misrepresentation or non-disclosure and support you in assessing the validity of any decision, liaising with your underwriting team and, where appropriate, obtaining expert underwriting evidence.

Our PRC team can also provide assistance when an insurer is considering declining indemnity for breach of policy terms, looking at the evidence obtained to prove breach and the impact of the policy wording on the claim for an indemnity.

The PRC team have also delivered seminars and training on the impact of the Consumer Insurance (Disclosures and Representation) Act 2012, the Insurance Act 2015 and the recent implementation of damages for late payment of insurance claims.

From commercial property and household to liability claims, Keoghs can help ensure that the decision on policy coverage is the right one.