Insurance is a contract, called an insurance policy, in which the insurer, agrees to pay the insured party all or a portion of any loss suffered by accident or death, for a fee called an insurance premium. The losses covered by the policy may include property damage or loss from accident, fire, theft or intentional harm; medical costs and/or lost earnings due to physical injury; long-term or permanent loss of physical capacity; claims by others due to the insured's alleged negligence, or the loss of someone's life. To ensure these pools are properly managed and adequately funded, the government and the courts heavily regulate the insurance industry. We undertake a wide range of insurance law practice. We act mainly for insurers and have carried out both advisory and litigation work on their behalf. Our areas of practice include:

• Motor insurance
• Industrial insurance
• Professional negligence
• Personal injury claims