Legal indemnity insurance: bespoke and by phone

Legal indemnity insurance: bespoke and by phone

Need to speak to an expert about a bespoke insurance policy? That isn’t a problem if you order your legal indemnity insurance through STL.

Our support team at CLS will consider any request by carefully examining the triggers that could potentially bring about a claim. How could they be defended?

For example, in the case of restrictive covenants, the underwriting team will consider the following: can restrictive covenants they be modified or released via the Upper Tribunal (Lands chamber) or not? Is the land going to continue its current use or will it change? Will a change attract the attention of third parties? No change means the risk is unlikely to get worse in the future, the threat of a claim is likely to be remote, and therefore the premium will be lower.

Example – Bespoke insurance for development sites

When developing land, cover is usually required, not just for lenders and funding purposes, but also for the developer and their plans for the site. The underwriters need to take into account a number of factors: whether the transaction is at a pre or post planning stage, whether there were any material objections at planning, whether the beneficiary is a well-known entity and whether there is a note of release or modification noted on surrounding titles.

Any bespoke request is considered, by applying the underwriting ‘test’ to every risk. Underlying issues are researched and translated into insurable risks. However complex the transaction, and the insurance requirement, you can be safe in the knowledge that we will help you complete on time.

Next steps

If you need any help with ordering legal indemnity insurance, arranging training or booking a demonstration, contact your Account Manager or our Helpdesk on 0800 318611.

Go to our website for further information and to view samples of the array of risks covered.

This article was submitted to be published by STL Group Limited as part of their advertising agreement with Today’s Conveyancer. The views expressed in this article are those of the submitter and not those of Today’s Conveyancer.

STL Group

STL Group is the largest independent property search company in England and Wales. We have been meeting the needs of legal, conveyancing and other property professionals for nearly 40 years, earning a solid and enviable reputation for high quality, fast and reliable service.

As a totally independent search provider, we believe in:

  • building long term relationships with our clients
  • presenting a friendlier and less corporate face
  • offering flexible services tailored to your specific needs – from order and delivery methods through to bespoke search packs
  • providing real, tested solutions that increase efficiency, reduce expenditure and reduce risk

Our services extend throughout England and Wales, from an inpidual home to a large scale residential or commercial development or portfolio.

As a one-stop-shop, we offer a comprehensive range of services including:

  • Land Registry documents
  • local authority searches – as well as providing official searches, we specialise in providing personal searches which subscribe to the Search Code (the ‘gold standard’ for search quality, which is recognised by Government, the CML, BSA and lenders nationwide) and benefit from a £2 million Information Accuracy Indemnity on top of our £8 million PI
  • drainage & water searches – personal and CON29DW
  • environment, flood and mining reports
  • planning and development risk reports
  • utility reports
  • chancel reports

We also offer:

  • Title and legal indemnity insurance
  • EPCs
  • Home Condition Surveys
  • asbestos reports
  • fire risk assessments
  • air conditioning reports and a range of other surveys
  • company searches
  • an anti-money laundering solution

What our clients say about us:

  • “flexible and comprehensive”
  • “they care about our business”
  • “tailor made service”
  • “solid, reliable, trustworthy”
  • “value for money time after time”
  • “helpful and responsive"


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