Ben specialises in construction, property damage and business interruption insurance, including coverage, liability and subrogated recoveries.
Ben has extensive experience in advising on property coverage matters, ranging from multi-national companies to claims involving consumer and small business losses. He also specialises in identifying and advising on coverage issues in relation to business interruption losses, and pursuing the subrogated recoveries which arise.
Ben's recent coverage experience includes advising on a complex multimillion-pound loss arising from interruptions to pharmaceutical production at a third party premises. Analysis of coverage required a technical understanding of various interlinked causes of loss, and close involvement in forensic quantum enquiries to coordinate investigations regarding the amount of loss flowing from each of these causes.
His coverage experience includes advising on building cladding claims, which involves extensive factual investigations and requires a detailed technical understanding of building regulations. He also advises regularly on other property coverage issues, for example involving property investment companies, construction contractors, restaurants, and import businesses. This includes advising on losses at commercial or unoccupied premises where the policyholder's financial history and risk management practices may be in question.
Ben has worked on a number of technically complex subrogated recoveries and liability defences, including disputes against manufacturers, construction contractors and security companies. Recent litigation experience includes pursuing a successful recovery against a security company following a theft which caused substantial business interruption losses.
Advising insurers on policy coverage following interruptions to production at a third party pharmaceutical factory.
Defence on behalf of liability insurers of a security company following a major theft.
Subrogated claim on behalf of property insurers in a claim against a security company following major theft which caused significant business interruption.
Advising insurers on policy coverage in relation to building cladding claims.
Advising insurers on various coverage matters following damage to unoccupied properties.
Advising on recovery prospects following major flooding incidents.