Stuart Chapman
About Stuart Chapman
Posts by Stuart Chapman:
Diesel Vehicle Emissions
Diesel Vehicle Emissions Claims
Diesel Emission Claims are cases which have come about due to a large number of car manufacturers fitting defeat devices to their vehicles to cheat emissions tests and laws manufactured between 2009 and 2020.
Millions of diesel cars and vans are involved in the so-called ‘Dieselgate’ scandal, and it is believed that they were producing vehicle emissions levels that significantly exceeded laws put into place to protect the public and the environment and to cheat the testing system.
Prosperity already has considerable experience in dealing with these types of claims, as we helped to source insurance for a large number of the Volkswagen (VW) emissions cases which settled back in May 2022 for a £193M settlement for diesel drivers who were affected by the software installed by VW in their vehicles.
Prosperity firmly believes that vehicle manufacturers should be held accountable for the damage they have caused with diesel emissions and is able to offer ATE insurance to law firms wishing to protect their client’s claims should they ultimately be unsuccessful.
We are able to help insure many further vehicle manufacturers’ claims such as Mercedes, Volkswagen (2.0), BMW, Vauxhall, Ford, Jaguar Land Rover, Citroen, Peugeot, Renault, Nissan, Alfa Romeo and Volvo to name but a few.
If you are a lawyer with clients that have vehicle emission cases that you would like to pursue on their behalf, you need to talk to us. We can help to find you an After the Event insurance solution that will help to meet your client’s needs.
If your practice is seeking a fast, simple, online facility with competitively priced premiums, you should contact us to discuss this further.
Contact Prosperity Insurance Today
Talk to an Expert Today – Enquire Below or Call on 0800 524 4235
Other Services
ATE
Insurance
ATE Insurance is an insurance policy that protects and covers a client who wants to pursue a claim against the risk of having to pay their opponents legal costs and disbursements if the case is unsuccessful.
Conveyancing Indemnities
As an experienced provider of assisting lawyers and their clients regarding ATE insurance, we are well aware that the profession also has a need for other client-facing legal indemnities. One of the most frequent requests we get from solicitors is for legal indemnities for conveyancing transactions.
Business interruption insurance
Business Interruption Insurance
Business interruption cases are a relatively new area of claims for the legal profession and have mainly come about because of the Covid-19 pandemic.
Many businesses were forced to close their doors to trade altogether and some in various other ways meaning that they have seen a significant reduction in profit or income and together with substantially increased running costs have left many businesses struggling to stay afloat. Indeed, many businesses have also gone out of business as a direct result.
Business owners who believed that they would be covered by their business interruption policies were left in shock when their genuine losses arising from the Covid19 pandemic were rejected, and were told by their insurers that they were not covered under their policies.
Whilst this judgement is a positive result for claimants in principle, it failed to address the detail in how claims should be calculated (should government grants, the furlough scheme, SEISS, bounce back loans, etc. be considered) and as a result many businesses have a much different view on what the losses actually incurred are compared to those their insurance company has offered. Whilst complaints can be lodged with Ombudsman, the sheer volume of cases mean that some businesses cannot afford to wait for the process and must resort to legal action as the fastest and sometimes only way to recover the compensation that they should be entitled to under their business interruption policy.
If you have a claimant who has attempted to negotiate with their insurer to pay out a legitimate business interruption claim and it has been disputed or rejected, your next course of action will be to issue legal proceedings against that insurer.
If you are a lawyer with clients that have a business interruption case that you would like to pursue on their behalf, you need to talk to us. We can help to find for you an After the Event insurance solution that will help to meet your clients’ needs.
If your practice is seeking a fast, simple, online facility with competitive premiums you should contact us. If you require a quotation for a policy of this type please complete the form below.
Contact Prosperity Insurance Today
Talk to an Expert Today – Enquire Below or Call on 0800 524 4235
Other Services
Conveyancing Indemnities
As an experienced provider of assisting lawyers and their clients regarding ATE insurance, we are well aware that the profession also has a need for other client-facing legal indemnities. One of the most frequent requests we get from solicitors is for legal indemnities for conveyancing transactions.
Executor Liability Insurance
An Executor Liability Insurance policy ensures that should a claim be brought against the Estate that your client’s legal costs will be insured (subject to the policy Terms and Conditions).
Insolvency and bankruptcy
Insolvency and Bankruptcy
At Prosperity Insurance, we are able to offer tailored after the event ATE insurance policies for insolvency and bankruptcy cases being progressed by insolvency practitioners (IP’s) and the solicitors they instruct.
Prosperity understand that the insolvency practitioners’ duty is to maximise the return to creditors. As a result of this duty, any legal action that is taken to recover monies must be undertaken limiting the potential costs.
This can mean that even if legal action has already been commenced, as is quite often the case, insolvency practitioners are put off by the fear of what an ATE insurance policy may cost, and therefore be due to come out of the estates’ remaining funds when the case is settled.
Here at Prosperity Insurance, the experienced business development team, underwriters and solicitors, understand this and are able to assess the risks associated with potential litigation and in many cases can arrange after the event ATE indemnity insurance.
Each case is considered on its own specific merits and is individually assessed. We aim to give a decision in principle within three working days from receipt of a completed proposal form.
We are also able to offer a staged approach to the after the event ATE insurance provision premium structure which will be in line with the relevant stages of the cases litigation process. Furthermore, we take a pragmatic approach, if and when a settlement is achieved. All premiums are deferred and contingent upon success.
If you are a lawyer and the insolvency practitioner instructing you has a case that they would like you to pursue on their behalf, you need to talk to us. We can help to find for you an after the event insurance solution that will help to meet your clients’ needs.
If your practice is seeking a fast, simple, online facility with competitive premiums you should contact us. If you require a quotation for a policy of this type please complete the form below.
Contact Prosperity Insurance Today
Talk to an Expert Today – Enquire Below or Call on 0800 524 4235
Other Services
Conveyancing Indemnities
As an experienced provider of assisting lawyers and their clients regarding ATE insurance, we are well aware that the profession also has a need for other client-facing legal indemnities. One of the most frequent requests we get from solicitors is for legal indemnities for conveyancing transactions.
Executor Liability Insurance
An Executor Liability Insurance policy ensures that should a claim be brought against the Estate that your client’s legal costs will be insured (subject to the policy Terms and Conditions).
Commercial litigation
Commercial Litigation
Our specialist tailored commercial litigation ATE insurance covers adverse costs and disbursements, enabling your clients to pursue legitimate claims without putting their business at risk.
However, quite often, clients are put off from taking action due to the fear of the legal costs that could be incurred.
Here at Prosperity Insurance, the experienced business development team, underwriters and solicitors, understand this and are able to assess the risks associated with potential litigation and in many cases can arrange after the event ATE insurance.
Each case is considered on its own specific merits and is individually assessed. We aim to give a decision in principle within 5 working days from receipt of a completed proposal form.
Prosperity Insurance can offer after the event ATE insurance for a wide range of cases such as:
This list is not exhaustive and we are continually developing what covers we can offer in response to our client’s needs. If your practice is seeking a fast, simple, online facility with competitive premiums you should contact us.
Arranging ATE Insurance at the earliest opportunity in an action will reduce the financial risks that claimants face, as it can cover the clients’ disbursements and adverse costs. The premium is also usually fully deferred and contingent upon the upon the cases success.
We are also able to offer a staged approach to the premium structure which will be in line with the relevant stages of the cases legal process.
If you are a lawyer and your client has a case that you would like to pursue on their behalf, you need to talk to us.We can help to find for you an after the event insurance solution that will help to reduce your clients’ stress so they can focus their attention on winning their case.
Contact Prosperity Insurance Today
Talk to an Expert Today – Enquire Below or Call on 0800 524 4235
Other Services
Conveyancing Indemnities
As an experienced provider of assisting lawyers and their clients regarding ATE insurance, we are well aware that the profession also has a need for other client-facing legal indemnities. One of the most frequent requests we get from solicitors is for legal indemnities for conveyancing transactions.
Executor Liability Insurance
An Executor Liability Insurance policy ensures that should a claim be brought against the Estate that your client’s legal costs will be insured (subject to the policy Terms and Conditions).
Bespoke facilities
Bespoke Facilities
At Prosperity Insurance, we can offer tailored/bespoke ATE insurance policies for any potential form of risk, even if the legal case has already commenced.
The law is constantly changing and new areas of dispute and litigation arising from these changes present new opportunities for solicitors and their clients.
We have offered after the event ATE insurance previously for claims involving unlawful detention, Payment Protection Insurance (Plevin) and secret commission cases, Judicial Reviews, claims relating to GDPR/data breaches, and financial sales irregularities and disputes.
These are just five examples of facilities that we have been able to design and put together for solicitors and law firms recently.
This list is not exhaustive and we are continually developing what covers we can offer in response to our client’s needs. If your practice is seeking a fast, simple, online facility with competitive premiums you should contact us.
We are however approachable and are open to further potential new channels of ATE insurance for developing areas of litigation should you have requirements for a claimant’s disbursements and adverse costs cover to be insured, whilst running the case on a ‘no win, no fee’ agreement.
If you are a lawyer and you have a need for ATE insurance in a new area, we will take the time to discuss your requirements with you and understand what you are looking for. We may not always be able to assist but we will do our best in all cases.
We can help to find an after the event insurance solution that will help to reduce your client’s stress so they can focus their attention on winning their case.
Contact Prosperity Insurance Today
Talk to an Expert Today – Enquire Below or Call on 0800 524 4235
Other Services
Conveyancing Indemnities
As an experienced provider of assisting lawyers and their clients regarding ATE insurance, we are well aware that the profession also has a need for other client-facing legal indemnities. One of the most frequent requests we get from solicitors is for legal indemnities for conveyancing transactions.
Executor Liability Insurance
An Executor Liability Insurance policy ensures that should a claim be brought against the Estate that your client’s legal costs will be insured (subject to the policy Terms and Conditions).
Housing disrepair
Housing Disrepair
Our housing disrepair ATE insurance protects claimants from adverse costs exposure, making it risk-free for vulnerable clients to hold landlords accountable.
This means that they then may be able to seek compensation for housing disrepair against their landlord where the landlord/defendant is either a Housing Association or a Local Authority.
We are not able to provide cover where the defendant is a private landlord. If the said landlord has failed to repair identified faults or has not kept the property in a good condition, this will mean that the home becomes damaged.
All landlords have a legal obligation to maintain the structure and exterior of their property to a reasonable standard of repair and we understand that it can be very distressing for claimants when a landlord refuses to repair the property, meaning that living conditions for the claimant can deteriorate and seriously affect their quality of life.
If a landlord refuses to fix a property or leaves a house in disrepair, a claimant can force them to do the required repair works and also claim for the appropriate compensation.
Claimants can receive compensation for a number of different reasons when bringing a housing disrepair claim for things such as damage to belongings, personal injury, and inconvenience that has been caused by the disrepair.
If housing disrepair is a sector that your practice pursues claims in, and your client has a case that you would like to pursue on their behalf you need to talk to us. We can help to find an after the event insurance solution that will, hopefully, reassure and give your clients the confidence to instruct you on a ‘no win, no fee’ basis.
We are also continually developing what covers we can offer in response to our clients’ needs. If your practice is seeking a fast, simple, online facility with competitive premiums you should contact us.
Contact Prosperity Insurance Today
Talk to an Expert Today – Enquire Below or Call on 0800 524 4235
Other Services
Conveyancing Indemnities
As an experienced provider of assisting lawyers and their clients regarding ATE insurance, we are well aware that the profession also has a need for other client-facing legal indemnities. One of the most frequent requests we get from solicitors is for legal indemnities for conveyancing transactions.
Executor Liability Insurance
An Executor Liability Insurance policy ensures that should a claim be brought against the Estate that your client’s legal costs will be insured (subject to the policy Terms and Conditions).
Medical negligence
Medical Negligence
Our medical negligence ATE policies cover the substantial agreed costs of expert evidence, court fees, and adverse costs, making these complex cases financially viable for claimants.
There are numerous ways that medical negligence can occur from incorrect treatment, misdiagnosis of a condition or indeed via surgical mistakes. We are able to offer after the event ATE insurance cover for both medical negligence or malpractice cases.
The products are designed to fit in with the legal process which solicitors will follow regarding these cases and are split into 2 different elements. The first element of the cover is to assist the solicitor with their investigation and the gathering of evidence in relation to both the breach and causation of the case, with this element of the after the event ATE insurance premium still being recoverable from the defendant.
The second element of the cover is to assist the solicitor with the progression of the case via the legal process in order to obtain access to justice for the client and appropriate compensation for their injuries. This element of the after the event ATE insurance cover is paid for directly by the claimant as a fixed percentage of their recovered compensation.
Usually in medical negligence cases, solicitors will look to handle these cases on a ‘no win, no fee’ agreement. If you are a lawyer and your client has been the victim of medical negligence, you need to talk to us.
We can help you find an after the event insurance solution that will help to get your client the compensation they deserve. While compensation is useful, we know that it does not solve every problem, but it can reduce your clients’ stress so they can focus their attention on progressing their recovery back to or as near to full health as is possible. If your practice is seeking a fast, simple, online facility with competitive premiums you should contact us.
We arrange after the event insurance policies for medical / clinical negligence claims.
This list is not exhaustive and we are continually developing what covers we can offer in response to our client’s needs. If your practice is seeking a fast, simple, online facility with competitive premiums you should contact us.
Contact Prosperity Insurance Today
Talk to an Expert Today – Enquire Below or Call on 0800 524 4235
Other Services
Conveyancing Indemnities
As an experienced provider of assisting lawyers and their clients regarding ATE insurance, we are well aware that the profession also has a need for other client-facing legal indemnities. One of the most frequent requests we get from solicitors is for legal indemnities for conveyancing transactions.
Executor Liability Insurance
An Executor Liability Insurance policy ensures that should a claim be brought against the Estate that your client’s legal costs will be insured (subject to the policy Terms and Conditions).
Industrial disease
Industrial Disease
Employers have a duty of care to their employees to protect their health, safety, and wellbeing.
If they fail in that role, and someone has been injured or falls ill as a result, a claimant may be entitled to make an industrial disease claim via their solicitor.
Industrial or occupational disease claims are often more complicated than other personal injury claims to progress and prove and as a result, can create substantial disbursement costs and ultimately take longer to settle.
Prosperity Insurance are able to source after the event ATE insurance for the following industrial diseases:
This list is not exhaustive and we are continually developing what covers we can offer in response to our client’s needs. If your practice is seeking a fast, simple, online facility with competitive premiums you should contact us.
Industrial disease after the event ATE insurance can cover the (sometimes large) disbursements that are incurred during these types of cases. This is especially valuable in situations where the matter is being handled by the solicitor on a conditional fee (‘no win, no fee’) agreement.
This type of ATE arrangement will also cover the defendants’ costs and disbursements (adverse costs) if the case against them fails. The final comfort for the client/claimant is that the ATE premiums are usually offered on a fully deferred premium payment basis, are only payable on successful cases and are fully self-insured.
If you are a lawyer that deals with industrial disease cases and your clients have cases that you would like to pursue on their behalf, you need to talk to us. We can help to find an industrial disease after the event insurance solution that will help to reduce your clients’ concern and stress about potential legal costs, so they can focus their attention on helping you win their case.
Contact Prosperity Insurance Today
Talk to an Expert Today – Enquire Below or Call on 0800 524 4235
Other Services
Conveyancing Indemnities
As an experienced provider of assisting lawyers and their clients regarding ATE insurance, we are well aware that the profession also has a need for other client-facing legal indemnities. One of the most frequent requests we get from solicitors is for legal indemnities for conveyancing transactions.
Executor Liability Insurance
An Executor Liability Insurance policy ensures that should a claim be brought against the Estate that your client’s legal costs will be insured (subject to the policy Terms and Conditions).
Occupiers liability
Occupiers Liability
The Occupiers Liability ATE insurance can provide cover for your clients if they were involved in an accident in a private place/property such as a slip, trip or a fall and wish to take action against the property owner for any injuries that were caused as a direct result of the said accident.
Claims of this nature are always difficult as the property owners are often known to the claimant. The ATE insurance policies simplify everything so that your clients can pursue their claims more easily.
Most property owner’s general insurance policies provide cover to the owner If somebody is injured on the premises, but some claimants are put off from pursuing a claim because they are worried about their own legal costs and disbursements.
Occupiers Liability (OL) ATE insurance provides cover for the claimant and so this fear of costs can be removed. You should talk to us if you handle claims of this nature. We can help to find an after the event insurance solution that will help to reduce your clients’ worries and stress of pursuing a claim.
The after the event ATE insurance for Occupiers Liability (OL) claims can cover the disbursements incurred during a case, andparticularly in situations where there is a ‘no win, no fee’ agreement.
This means that under a ‘no win, no fee’ arrangement the claimant is not only protected against adverse costs but also, if the case is unsuccessful, their liability to pay disbursements such as experts reports, court issue, and hearing fees, etc.
The ATE premium is normally offered on a fully deferred and contingent payment basis and are fully self-insured.
We are also continually developing what covers we can offer in response to our clients’ needs.
Contact Prosperity Insurance Today
Talk to an Expert Today – Enquire Below or Call on 0800 524 4235
Other Services
Conveyancing Indemnities
As an experienced provider of assisting lawyers and their clients regarding ATE insurance, we are well aware that the profession also has a need for other client-facing legal indemnities. One of the most frequent requests we get from solicitors is for legal indemnities for conveyancing transactions.
Executor Liability Insurance
An Executor Liability Insurance policy ensures that should a claim be brought against the Estate that your client’s legal costs will be insured (subject to the policy Terms and Conditions).
