Insurance Disputes

Independent. Experienced. Unrivalled in advocacy.
Insurance disputes demand more than technical precision – they require independence, judgement and the ability to see both the detail and the bigger picture. At Edwin Coe, we act exclusively for policyholders, ensuring our advice is always impartial, strategic and entirely focused on recovery.

Our team is recognised as one of the UK’s leading policyholder practices, representing businesses and individuals in complex, high-value coverage disputes. We have acted on many of the most significant insurance cases of recent years, helping clients recover substantial sums under policies relating to property damage, business interruption, professional indemnity, directors’ and officers’ liability, cyber risk and more.

 

We understand how insurers think, but we act only for those they insure – using that insight to achieve results that are fair, efficient and enduring.

 

A joined-up view 

 

Insurance disputes often arise alongside commercial, construction, regulatory and financial issues. Our team works seamlessly with colleagues across these disciplines to ensure every aspect of our clients’ position is considered and protected.

 

We act for corporate policyholders across sectors such as hospitality, real estate, retail, manufacturing, energy and professional services. Our work includes advising on claims arising from major property losses, professional negligence, policy interpretation and delayed or denied coverage.

 

In recent years, our team has been at the forefront of developing case law around business interruption and non-damage denial of access claims – establishing precedents that continue to shape the UK insurance landscape.

 

Wherever possible, we resolve disputes through negotiation or mediation, achieving cost-effective outcomes without compromising strength of position. When litigation or arbitration is required, we bring strategic clarity and composure to every stage of the process.

 

Quiet strength. Lasting results. 

 

Our success lies in the depth of our knowledge and the independence of our thinking. We are known for handling technically complex and commercially sensitive claims – including those involving allegations of underinsurance, misrepresentation, non-disclosure and broker negligence.

 

Every matter is partner-led, ensuring consistency of communication and the highest standards of legal and strategic insight. Many of our clients come to us following unsatisfactory dealings with insurers or brokers; others engage us at the outset of major losses, confident in our ability to navigate their claim from first notification through to settlement or judgment.

 

We also advise on arbitration, both domestic and international, drawing on a network of trusted experts to deliver decisive results wherever disputes arise.

As a certified B Corporation, we are committed to fairness and accountability – principles that guide our advocacy for policyholders and underpin the trust on which insurance depends.

 

Three-dimensional advice 

 

For over six decades, Edwin Coe has stood beside policyholders in their most challenging moments – combining deep sector knowledge, negotiation skill and legal precision to secure results that endure. Our role extends beyond resolution — helping clients strengthen cover, refine risk management and prepare with confidence for the future.

 

Collaborative in approach. Committed in purpose. Connected where it matters most.

What we do best:

We support policyholders from first notification to final recovery, combining legal precision with strategic advocacy:

  • Coverage Disputes

    Advising on policy construction, interpretation and coverage across commercial and specialist insurance lines.

  • Business Interruption & Property Damage

    Acting for policyholders in high-value claims arising from fires, floods, construction defects and loss of income.

  • Directors’ & Officers’ Liability

    Advising boards and senior management on coverage for claims involving governance, fraud and regulatory issues.

  • Broker Negligence

    Pursuing claims against brokers and intermediaries for underinsurance, inadequate placement or misrepresentation.

  • Cyber & Technology Risk

    Advising businesses on cyber coverage, data breach losses and regulatory response.

  • Arbitration & Mediation

    Representing clients in domestic and international arbitration, and securing resolution through mediation wherever possible.

  • Insurance Act 2015 Expertise

    Applying the Act’s proportionate remedies to achieve fair outcomes on issues of disclosure, warranties and policy terms.

Awards
Contact our team
Simply the best team in the country for claims against insurance brokers. They have been pursuing such claims for longer than any other firm, and have unrivalled experience and knowledge. They are highly efficient and get the best results for their clients.
- The Legal 500 UK 2026
Edwin Coe is one of a small number of truly specialist policyholder insurance practices in the UK. They have been involved in many of the leading cases in the High Court and Court of Appeal in that area and are always willing to take the case to trial to get the right result.
- The Legal 500 UK 2026
Edwin Coe's insurance litigation team is without a doubt one of the well-established and most respected in the sector.
- The Legal 500 UK 2026
You made the whole process so easy for us. I’d have no hesitation in recommending you.
- Michael, Managing Director
They are commercially astute.
- Chambers UK 2023
They are prominent as a claimant firm.
- Chambers UK 2020
They are a well-respected practice and provides a first-class service to their clients. They provide services over a wide range of legal work that is helpful to more complex cases.
- The Legal 500 UK 2021
Their handing of matters is always of the highest standards. Edwin Coe's lawyers give well thought-out advice, which is then acted upon in an extremely efficient manner.
- Chambers UK 2024
The team is made up of steely and robust lawyers who are never afraid to express a view and who give very clear advice. They are particularly adept at handling disputes with a property, professional negligence or potential fraud angle.
- The Legal 500 UK 2021
The team are fantastic from start to finish. They handle every aspect of the case and navigate various complex challenges with ease.
- Chambers UK 2024
The lawyers have a fantastic manner with clients and we are very comfortable and confident that they will give us sensible advice.
- Chambers UK 2022
The insurance litigation department at Edwin Coe LLP are a extremely professional and approachable team who grasp the key issues of a dispute very quickly. This enables a relationship to buildon confidence and transparency which clients appreciate in their time of need.
- The Legal 500 UK 2022
The firm is always attentive to the client's needs.
- Chambers UK 2024
The dedication to the client and always being on hand when needed are truly exceptional. The team is exceptionally strong, with all members fully briefed on my case if I cannot get hold of the lead solicitor.
- The Legal 500 UK 2025
Roger Franklin was very decisive and in control of the whole process. He knew where it was going, gave good direction and took a calm, big-picture outlook, even when we were thrown a few curve balls
- Chambers UK 2021
Roger Franklin is fast thinking and gets straight to the nub of things, with a marvellous dry wit. Nicola Maher is bright, tenacious and a delight to work with. Senior Associate Oliver Pannell is a rising star, with gravitas beyond his years, a fast work-rate and excellent instincts.
- The Legal 500 UK 2021
Roger Franklin is an extremely capable go-to person for complex insurance litigation matters and one I wouldn’t hesitate to recommend to others.
- The Legal 500 UK 2022
Roger Franklin – head of department, huge experience, tactical master.
- The Legal 500 UK 2021
Punches well above its weight in insurance litigation and absolutely brilliant for policyholder representation
- Chambers UK 2021
One of the strongest teams out there acting for insureds. They know what they are doing and are highly skilled at getting the right results for their clients.
- The Legal UK 2025
Oliver Pannell is a very capable lawyer who is very thorough and very clear
- Chambers UK 2021
Oliver Pannell – a real rising star, who has great technical knowledge and first-rate judgment.
- The Legal 500 UK 2022
Nicola Maher is really forensic with the detail and is also fantastic with her turnaround times
- Chambers UK 2021
Nicola Maher – not afraid to take matters to court.
- The Legal 500 UK 2021
Nicola Maher is very astute and consistently at the top of her game.
- Chambers UK 2024
Edwin Coe provides advice which is consistently strong and technical in nature.
- Chambers UK 2023
A group of true specialists with unrivalled experience in insurance litigation. They have deep knowledge of law and practice in this field.
- The Legal 500 UK 2025
A special and rare knowledge and understanding of the standards of practice expected of companies and practitioners in the insurance world.
- The Legal 500 UK 2024
A strong insurance litigation group.
- Chambers UK 2022
All the partners are absolutely at the top of their game.
- Chambers UK 2020
Clients commend the team's 'expertise in insurance litigation and depth of knowledge.'
- Chambers UK 2022
Edwin Coe handles all matters to the highest standards. The lawyers provide well thought-out advice that is then acted upon in an extremely efficient manner.
- Chambers UK 2024
Edwin Coe has a very resourceful team, with excellent research capability.
- Chambers UK 2025
Edwin Coe has an excellent specialist insurance litigation team which combines sound legal analysis with a practical and commercial approach.
- The Legal 500 UK 2021
Edwin Coe is one of the few insurance litigation practices specialising in assisting policyholders. They appreciate the sensitivity of the relationship between their policyholder client and the insurer with whom the client is in dispute; conscious that the relationship may extend beyond that issue and may have to continue post settlement. Always courteous and respectful to their client and others, Edwin Coe is a winning team.
- The Legal 500 UK 2024
Edwin Coe is one of the most efficient teams in the London market, they know how to maximise value.
- Chambers UK 2025
Edwin Coe provide excellent service.
- Chambers UK 2024
They are one of the best firms for claims against insurance brokers. They are very good at other forms of professional liability claims as well.
- The Legal 500 UK 2025
Edwin Coe's team is incredibly competent and caring; everything is dealt with at the very first opportunity.
- Chambers UK 2025
I cannot speak highly enough about Roger Franklin. Not only is his expertise and understanding of the case of the highest level but his communication skills, persona and general personality is exemplary.
- Chambers UK 2024
Intelligent, thorough, effective and commercial.
- Chambers UK 2020
Very well-known, high profile firm acting primarily for policyholders. Probably one of the leaders in the field from that perspective.
- The Legal 500 UK 2023
Undoubtedly the leading firm acting for SME and consumer policyholders - they are not afraid to take matters to trial and get excellent results.
- The Legal 500 UK 2020
This is a first class practice, efficient and effective for its clients needs. Edwin Coe are the leading insurance litigation firm for policy holders.
- The Legal 500 UK 2023
This an extremely able combative team led by Roger Franklin. Combative in a sensible way, not an objectionable way. They take on difficult cases, instruct quality counsel and achieve very goodresults for their clients.
- The Legal 500 UK 2022
They have more experience in bringing claims by SMEs or individuals against insurance companies than any other firm – no question about it.
- The Legal 500 UK 2021
They have a thorough, analytical approach to the issues, and provide contextual pragmatic advice that is underpinned by comprehensive research.
- Chambers UK 2024
They have a really great bedside manner with clients.
- Chambers UK 2020
A great firm for policyholders, with a wealth of experience in this regard.
- The Legal 500 UK 2025