Legal Indemnity Insurance

 

Legal Indemnities come in all shapes and sizes covering a wide range of risks from large commercial to small residential. Common legal indemnity insurance policies are Chancel Repair Liability Insurance, Contaminated Land Insurance, Defective Title Insurance, Restrictive Covenant Insurance, Rights To Light Insurance Town & Village Green Registration Insurance and a long list more. Legal indemnities are commonly required by home owners, solicitors, property owners and developers, especially when involved in conveyancing transactions. 

For a quote for legal indemnity insurance please call us now on 01905 21681 or email us here.

Our Legal Indemnities Include:

·         Absence of Grant of Representation
·         Absent landlord including: 
    
o    Absent or Unresponsive Landlord
    
o    Absent Landlord and Good Leasehold Title
    
o    Absent Landlord and Maisonette Indemnity
·         Access including: 
    
o    Vehicular Access
    
o    Pedestrian Access
    
o    Access and Services
·         Adverse Possession
·         Breach of Trust
·         Chancel Repair including: 
    
o    Search reveals potential liability – buyer and lender only
    
o    Search reveals potential liability – owner, successors in title and all lenders
    
o    No search
    
o    No search – lender only
·         Conservation Area and Building Regulations Consent
·         Contaminated Land including: 
    
o    No (or a passed) Environmental Search
    
o    Failed Environmental Report
·         Contingent Buildings Insurance
·         Covenants for Title
·         Deed of Enlargement
·         Deed of Postponement
·         Defective Title
·         Flying Freehold including: 
    
o    Flying / Creeping Freehold Part
    
o    Freehold Flat
·         Forfeiture of Superior lease
·         Forfeiture of Lease (bankruptcy) - lender only
·         Improvement Grant Liability
·         Incorrect Power of Attorney
·         Insolvency Act including: 
    
o    Transfer of Equity – Remortgage
    
o    New (or Existing) Transfer – Undervalue/Gift
    
o    Transfer of Gift (Matrimonial Court Order)
·         Issue Risks
·         Judicial Review
·         Lack of Good Root of Title
·         Lack of Building Regulations Consent, Including FENSA
·         Lack of Building Regulations and Restrictive Covenants
·         Lack of Listed Building Consent
·         Lack of NHBC or Architects Certificate
·         Lack of Planning Permission and/or Building Regulations Consent
·         Lack of Planning Permission, Building Regulations Consent and Restrictive Covenants
·         Lack of Listed Building and Building Regulations Consent
·         Lost Bankers Draft
·         Lost Documents
·         Lost Life Policy
·         Lost Securities
·         Lost Title Deeds including: 
    o    Lost Title Deeds – Registered Possessory Title
    o    Lost Title Deeds - Unregistered
·         Maisonette including: 
        
o    Landlords enforceability covenant – missing landlord
        
o    Lack of mutual enforceability covenant
        
o    Inadequate arrangements for repair and maintenance
·         Manorial Rights
·         Matrimonial Homes Act
·         Mining / Mineral Rights
·         Obstruction of Right of Way
·         Outstanding Leasehold Interest
·         Outstanding Mortgage Interest
·         Outstanding Rights of Common
·         Pre-deceasing Risks
·         Rent Charges Indemnity
·         Restrictive Covenants including: 
        
o    Freehold Restrictive Covenants
        
o    Leasehold Restrictive Covenants
        
o    Unknown Freehold Restrictive Covenants, Rights and Easements
·         Reversion Risk
·         Reverter of Sites Act
·         Right of Light
·         Rights of Turbury
·         Road Charges Indemnity
·         Schools Site Act
·         Search Indemnity including: 
        
o    HIP Search
        
o    No Search - purchase
        
o    No Search - lender only
        
o    Search Delay
        
o    Search Validation
·         Services / Drainage 
        
o    Sewer Indemnity
        
o    Unadopted Drains
        
o    Services - Inadequate Easement
·         Sites of Worship Act
·         Trustee Run-Off Indemnity
·         Unknown Rights and Easements

For a quote for legal indemnity insurance please call us now on 01905 21681 or email us here.

"May I congratulate you and your staff for the attention to detail and the service that you have given to Ductbusters over the years. We searched for a long time for an Insurance Broker that had the professionalism to resource the many and varied insurances we required and you have never failed ourselves."

Dermott Quinn, Managing Director Ductbusters Ltd

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"I highly recommend the Sutcliffe & Co team both for their proactive ongoing annual renewal work & also for helping during a recent claim. Its great to know we have a local firm with people we can rely on."

Julian Powell, Business Director, HallmarkHulme Solicitors

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“We had been with our current broker for several years and had become complacent. An increase in premiums led us to want to cross check with an alternative broker and we chose Sutcliffe. We found them a breath of fresh air; there was a transparency in our dealings, their advice gave us options and they found competitive ways of providing insurance from high quality companies."

Chris Oliver, Director, CHANE Investments Ltd

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“Talbot Transport has been with Sutcliffe and Co for many years and have the greatest confidence in their service. We like their friendly and personal staff and feel they have a good understanding of our business. Any problems we have are dealt with swiftly and smoothly with the least amount of disruption to our daily business”

Sophie Talbot, Partner, Talbot Transport

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“I was thrilled when I found Sutcliffe & Co, friendly, efficient and with competative prices. Their expert advisor really helped me through the insurance minefield and he went that extra mile that other companies just did not...."

Michelle Davies, Office Manager, Davies and Daughters Building Contractors

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"May I congratulate you and your staff for the attention to detail and the service that you have given to Ductbusters over the years. We searched for a long time for an Insurance Broker that had the professionalism to resource the many and varied insurances we required and you have never failed ourselves."

Anthony Eddies-Davies, Director, Live The Adventure Ltd

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Sutcliffe Insurance Brokers Ltd t/a Sutcliffe & Co is authorised and regulated by the Financial Conduct Authority 306068
2 Foundry Street, Worcester, WR1 2BJ tel:01905 21681 | Registered in England No 1167560

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