Our History

Lloyd’s of London’s modern reputation for excellence owes much to its response to the San Francisco earthquake in 1906, when leading underwriter Cuthbert Heath famously instructed his San Franciscan agent to “pay all of our policyholders in full, irrespective of the terms of their policies”.

An outstanding approach to claims payment is fundamental to the health of any insurance market. Many leading insurers continue to follow Cuthbert Heath’s approach and aim to ensure that honest policy holders with genuine claims are paid in full, as quickly as possible. Occasionally, the claims process doesn’t run as smoothly as it should do, and intervention is required to resolve the issues. Some, less scrupulous, insurers will only pay claims when they have no way to avoid doing so, and they may need to be compelled to behave correctly.

In the aftermath of the 2007 financial crisis the attitude of many London market insurers to claims hardened and some began routinely to seek to avoid paying valid claims. From 2007 it became increasingly apparent to the founders of Fenchurch Law that policyholders were often inadequately represented because their solicitors were not providing specialist services. Our firm was created in 2010 to allow policyholders access to the same specialist legal advice that insurers have enjoyed for decades. Our lawyers deliver the highest quality specialist legal advice exclusively to policyholders.

Every member of our team is a genuine insurance specialist and has extensive experience of the London insurance market. Equally importantly, every member of our team is passionate about serving the needs of policyholders and delivering the best possible outcomes.  Many of the lawyers at Fenchurch law previously worked on the insurer side of the market in a variety of roles, including claims adjusters and defence lawyers.

As a result of our unrivalled expertise and unique insight into the insurance market, Fenchurch Law is regarded as the ‘go-to’ law firm for brokers and policyholders with difficult or complex insurance policy disputes. We are delighted that our client base and our work on complex and high-profile cases continues to expand as our reputation grows.