Established in 1995, Financial & Legal is a UK‑based insurer specialising in the delivery of both established and bespoke After the Event (ATE), Before the Event (BTE), assistance, and ancillary insurance solutions, all underwritten in‑house.

We are regulated by the Prudential Regulation Authority and the Financial Conduct Authority, are fully Solvency II compliant, and publish an annual Solvency and Financial Condition Report to demonstrate our financial strength, performance, and claims‑handling capabilities. This commitment to transparency and stability ensures we remain an insurer your firm and your clients can trust with confidence.

Our ATE Insurance

As one of the UK’s leading legal expenses insurers with over 25 years of experience working closely with solicitors, we are uniquely positioned to support law firms and enhance the service they deliver to clients.

Pursuing litigation can be complex and costly. A Financial & Legal policy simplifies the process by enabling clients to proceed with no upfront costs while being protected if their claim is unsuccessful. Our ATE products are comprehensive, competitive, and can be tailored to suit specific case requirements.

Types of Claims Covered

We provide ATE insurance for a wide range of litigation matters, including:

• Personal Injury (RTA, employers’ liability, public liability, occupiers’ liability)
• Motor PCP
• Housing Disrepair
• Plevin PPI

Key Benefits

All policies include:

• Cover from £5,000 to £100,000, depending on case type
• Cover for own disbursements
• Cover for opponent’s costs and disbursements
• Cover for Interim Costs Orders
• Cover for failure to beat Part 36 offers
• No set‑off of damages against costs
• Competitive single or staged premiums
• Deferred premiums, only payable on successful conclusion

We also offer bespoke arrangements and support firms seeking ATE cover and litigation funding for civil or commercial cases through our specialist broker service, Magnus.

Why Firms Choose Financial & Legal

• A proven track record of experience, financial strength, and reliable claims payment
• We are the actual insurer, not an intermediary or third‑party provider
• A straightforward application process for becoming a panel law firm
• Fast and simple case submission
• A Delegated Authority model that minimises administration and reporting
• Support and guidance from our experienced underwriting and account management team

To learn more about our insurance products or discuss your firm’s requirements, you can arrange an appointment, call 0161 603 2140, or visit www.financialandlegal.co.uk.