Insurance Law
About
Insurance is part of Thomson Wilks’ DNA. We understand how risk is priced, allocated, transferred and managed when things go wrong.
Our Insurance Law team supports insurers, brokers, insureds and corporate risk teams with end-to-end claims and dispute capability - grounded in early risk assessment, practical decision-making and efficient resolution.
1. Policy Response, Coverage and Claims Strategy
We provide clear, defensible advice on how policies respond - and what to do next - so decisions are made early and with confidence. Our experience includes:
- Policy interpretation, coverage opinions and claim strategy
- Reservations of rights, indemnity and non-indemnity decisions, repudiations
- Advice on claim handling processes, evidence, quantum and settlement positioning
- Wording input and practical risk allocation guidance for contracts and policies
2. Liability Defence and Complex Claims
We act decisively in high-value and technically complex matters, while also managing lower-value disputes in a cost-controlled way. Our experience includes:
- General / public liability claims
- Professional indemnity matters (including for professionals and consultants)
- Directors’ and officers’ liability issues
- Product liability, personal injury and delictual claims
- Construction / engineering and environmental liability claims
- Business interruption, fire, motor and related commercial claims
3. Dispute Resolution: Litigation, Arbitration and Mediation
When matters escalate, we protect the merits, manage the process tightly, and pursue outcomes that make commercial sense. Our experience includes:
- Insurance disputes in the High Court and other forums
- Arbitration and mediation strategy and support
- Indemnity and non-indemnity dispute resolution
- Managing expert evidence and technical input to support defensible outcomes
4. Recoveries, Subrogation and Fraud Response
We help clients pursue recoveries where appropriate and respond effectively when claims raise concerns about honesty, disclosure or compliance. Our experience includes:
- Subrogated recoveries and claims recourse planning
- Fraud / misrepresentation response support (including evidence and process discipline)
- Warranty / condition issues and defensible repudiation pathways
- Recovery strategy aligned to cost, prospects and reputational risk
5. Risk Assessment, Governance and Training
We support clients upstream - strengthening systems, improving defensibility, and reducing repeat exposure through structured risk work and training. Our experience includes:
- Early risk assessment on claims and portfolios to guide strategy and reserves
- Claims defensibility reviews (documentation, decision trails, escalation processes)
- Training for claims teams and operational stakeholders (risk, record-keeping, incident response)
- Emerging risk support, including cyber / technology-driven exposures where required
