Indemnity Advisory.

Expertise

Nathaniel Lacy LLP advises insurers on policy response, coverage and indemnity issues where clear legal analysis and careful claims handling are required.

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Clear indemnity advice built around policy response.

We advise insurers on indemnity and coverage issues arising across a wide range of claims, including questions of policy response, reservation of rights, declinature, notification, exclusions and breach of policy conditions.

Our role is to help clients assess the legal and practical basis for their position, identify what further information may be required and communicate clearly with insured parties, brokers, solicitors and other stakeholders.

We work closely with claims teams from the earliest stages of a matter, providing focused advice that supports defensible decision-making and the wider claims strategy.

Key areas of work.

  • Advising on whether a policy is likely to respond to a claim, including the interpretation of insuring clauses, exclusions, limits and policy conditions.

  • Preparing and advising on reservation of rights positions where further investigation is required before a final indemnity decision can be made.

  • Advising on the legal and evidential basis for declining indemnity, including the wording, timing and communication of the insurer’s position.

  • Advising on late notification, non-disclosure, cooperation clauses, breach of condition and other policy issues that may affect cover.

  • Supporting insurers where indemnity positions are challenged by insured parties, brokers, solicitors or other stakeholders.

  • Advising where coverage questions arise across multiple insureds, policies, contractors, professionals or related claims.

Our approach.

Policy-led assessment

We start with the policy wording, the claim circumstances and the available evidence to assess whether cover is engaged.

Clear indemnity position

We help insurers form and communicate a clear position, including reservation of rights, information requests or declinature where appropriate.

Claims strategy alignment

We ensure indemnity advice is considered alongside the wider claims strategy, including defence, settlement, recovery and dispute risk.

Related Expertise.

Complex Claims →
Insurance Litigation →
Mediation & Arbitration →
Recovery →
Pre-Litigation →
Insights →

Key Contacts

Latest Insights.

Insights
Fatal Accident Claim Settled
Fatal Accident Claim Settled

A High Court action arising from the death of Derek Monaghan, a well-known Bohemian Football Club volunteer and supporter, has settled.

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Scrambler Bike Claim Dismissed
Scrambler Bike Claim Dismissed

Nathaniel Lacy LLP Managing Partner Nat Lacy successfully defended a High Court personal injuries claim arising from a crash involving a scrambler bike and a Kia Optima in Coolock, Dublin.

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Claim Dismissed at Circuit Court
Claim Dismissed at Circuit Court

Nathaniel Lacy LLP’s SIU team, headed by Donna Kerrigan, Partner, recently acted in the defence of Brady v Morgan, which came on for hearing before Judge Callan at Cavan Circuit Court.

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High Court Motor Claim
High Court Motor Claim

Nathaniel Lacy LLP acted on behalf of Redclick in a recently reported High Court motor claim involving an uninsured driver, catastrophic injuries and significant potential exposure.

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Speak to our team.

Nathaniel Lacy LLP advises insurers on policy response, coverage and indemnity issues across Ireland.

Contact our team →