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Legal Indemnity Insurance

What is legal indemnity insurance?

For some years now legal indemnity insurance has been widely used in the conveyancing market. Figures show that about one in five residential property transactions result in its use and in commercial property transactions legal indemnity insurance is often vital to assist the developer in allowing them to obtain funding in order to proceed with the project.
Indemnity insurance offers an efficient and in most cases a relatively straightforward and cost effective solution.

What can be covered?

Indemnity insurance can cover a wide range of issues and is a simple and efficient solution to a variety of title defects, providing cover to the value of property investment. It is important to remember that a claim made against a legal indemnity policy may not result in the insured defect being rectified but rather it may result in a payment of money to a property owner to compensate them for losses sustained as a result of the defect.

What policies are available?

There are many types of risk that can be covered and almost all legal defects can be insured against depending on the circumstances. Some common examples of policies are restrictive covenants, mines and minerals, lack of planning permission or building regulations approval, missing easements, good leasehold title, absent/insolvent landlord and search indemnity to name but a few.

For some examples of risk solutions we have provided click here.

When might changes to the policy be needed?

Most legal indemnity policies last indefinitely until the risk they cover has been discharged so it is important to ensure that the cover remains appropriate. The cover is a defined limit of indemnity which will normally represent the current market value of a house or the gross development value of a development site so should an increased limit be required the policy will need to be changed to reflect this. Also an important consideration is the definition of Insured Use in the policy. For example post-planning cover for a development is often tied to a specific planning consent so if planning consent is revised or varied compared to the original planning consent you will need to get the policy amended.

The future

There is no doubt Legal indemnity insurance has made the conveyancing process faster and more efficient and has also taken some of the exposure away from property lawyers. It is likely that this trend will continue and that indemnity insurance will still be seen as the ideal solution in many cases.

What we do

At Arlington our team is made up of highly experienced professionals and a reputation that is built on delivering a first-class service and specialist expertise. We offer a fully independent broking service and can quickly arrange quotes on your behalf from a number of different markets which will save you time and cost.

Need a quote?

If you are a solicitor or conveyancer we would be delighted to hear from you and our principle points of contact for Legal Indemnities are:

Tony Housden on 020 7292 6018 or

Paul Stoner on 020 7292 6012or

Jan 2019 Newsletter

Welcome to the first edition of Arlington’s Newsletter.

The updates below are just the headlines of the article with a brief explanation of what each relates to. Under each headline there is a link to further information if you are interested in finding out more. I hope you find this Newsletter both informative and enjoyable and that you look forward to our next edition.



Legal Indemnity Insurance is often vital as the solution to releasing sites, to allow developers to obtain funding in order to proceed with the development.

At Arlington we have access to a range of insurers who specialise in the many different types of legal indemnity covers, from restrictive covenants to rights of light.

Due to the complex nature of these enquiries, we usually communicate with our clients’ solicitors and then liaise with insurers accordingly.

More information about Legal Indemnity covers and how to contact us can be found here.


All businesses, regardless of size, should be considering their potential risks to ransomware, electronic crime, damage to systems, data privacy and virus transmission.

If you do experience a cyber attack, a Cyber Insurance Policy does not only help with paying the cost of claims, but also helps to get your business up and running quickly again, helping with rebuilding your IT systems, ICO liaison, IT forensics and PR advice.

Click here for some useful tips on how to protect your business.



We continue to support professional qualifications through the CII in Arlington, and, Rachel and Louis are progressing through their Diplomas in Insurance.

In the run up to Christmas last year, they both attended the Chartered Insurance Institute’s Young Members Winter Ball at Old Billingsgate.

This event brings together all the brightest, young talent in the insurance industry, none more so, than our very own Rachel and Louis!

More photos of the event are on Arlington’s News page here 


The C.I.I. Young Members’ Winter Ball

In the run up to Christmas, the Chartered Insurance Institute held their Young Members’ Ball at Old Billingsgate.

This event brings together all the brightest, young talent in the insurance industry and we were delighted to have two representatives at this prestigious event… Rachel and Louis!


Cyber Claims Case Study and 10 (cyber) resolutions for 2019

Most companies use their computer systems to carry out certain business functions in a variety of ways but many do not realise, or believe that, they have a significant cyber exposure.

If as a result of a cyber attack their computer systems are not functioning correctly or are not available it can have an adverse effect on the business and also result in considerable additional costs.

The latest case study from CFC Underwriting which relates to an electrical firm but could equally apply to any business that suffers a ransomware attack tells the story of how an electrical contracting firm’s legacy system was affected after a ransomware attack, resulting in sizable data re-creation costs.

The main learning points from this case are:

  • Dealing with a ransomware incident is rarely a simple matter of the ransom payment being made. As shown in this case, even though the ransom payment was made and the system was successfully decrypted, the ransomware had the unintended side effect of severely impairing the functionality of one of the company’s most vital systems.
  • The use of legacy systems can significantly increase the risk of a cyber loss. Typically not only are legacy systems far more vulnerable to attack they are also much more susceptible to being made defective following a cyber attack.
  • The majority of the costs of this claim came from the labour costs associated with manually re-entering data and it is important to ensure that this is covered as many cyber policies only provide cover for the cost to recover or restore data from back-ups, but not the costs to re-create or re-enter lost data from scratch
  • Today almost all businesses have some form of cyber exposure and even though the policyholder in this case was an electrical contracting business that didn’t solely rely on their computer systems to carry out work, they still had an office function that had a key role in the running of the business.

Click here to read the full case study but before you do here are some cyber-related resolutions to think about for 2019.

  1. I will change all default passwords on my personal and work devices.
  2. I will regularly check for updates to the operating systems of my laptop, computer and mobile phone.
  3. I will install strong anti-virus software and keep it updated.
  4. I will think twice before clicking on unknown links or attachments in emails.
  5. I will authorise payments to new transfer partners via telephone to minimize risk of fraud.
  6. I will not share sensitive information on social media that could be used against me in phishing attacks.
  7. I will back up my entire system at least once a week on an external hard drive.
  8. I will encrypt my mobile phone and all of my other devices.
  9. I will talk to my kids (or parents) about how to stay safe online.
  10. In the event that resolutions 1-9 fail, I’ll have a cyber insurance policy in place to save the day!

Solicitors and Legal Indemnity Insurance


Legal Indemnity insurance is now common place in today’s UK property conveyancing market and if you require an insurance policy you should consider using Arlington Insurance Services because as an Insurance Broker we are a professional firm regulated by the Financial Conduct Authority (FCA) whose prime purpose is to help customers find suitable cost effective insurance protection.

We work with your solicitors or legal representatives to provide the appropriate solution and we have access to a wide choice of products from various insurance markets. We can also give advice on suitable insurance protection and we will provide clear information and documentation and state the costs of the policy including any fees.

For more information about legal indemnity insurance and about how Arlington Insurance Services can help you with this please click here to view our Legal Indemnity information sheet.