Product Overview

Insurance solutions to enable the swift, smooth and secure transfer of commercial assets and protect development opportunities.

Legal Indemnities and Title Insurance encompasses a broad range of legal risks which may affect a property or land. These can range from small technical risks to active litigation. These defects can seriously affect the value of a property and could, in more extreme cases, involve the loss of the entire asset. Many of these defects could be resolved via the legal system, but the cost and/or time required to do so could delay or even abort the transaction.

Our policies indemnify clients from financial loss, should a defect affect the property. The cost of defending any third party challenges and covering any eventual loss in the value of the land ensures that you are fully protected. Our policies allow you to buy in confidence and lenders can secure their loans without fear of financial loss from the identified risks and/or unknown defects.

We have over 40 specific risks on our commercial online comparison site for properties in England, Wales and Scotland, where there is no future development planned at this time. If you are planning to develop the property or you are unable to find a suitable product, please do not hesitate to contact us. Our specialists pride themselves in being able to think outside the box and provide cover for risks, which the traditional legal indemnity providers reject.

We have insured real estate assets in over 35 countries worldwide and portfolios of properties in multiple jurisdictions. We are proud to have the largest capacity in the market, so no deal is too big or complex. Please speak to a member of our team below for more information.

What's Covered

Broadly, cover is placed in two ways:

  • Specific risk insurance – where a defect has been identified that needs to be removed/mitigated. Some of the most common risks include restrictive convents/title conditions, lack of easements/servitudes, missing documents, zoning or planning breaches, chancel repair or the mines and minerals under the land being excepted
  • All risk insurance – Where there is no specific defect, but cover is required against a number of unknown risks. This can arise where full due diligence has not been carried out, or the seller is unable or unwilling to stand behind the warranties given at exchange/completion (often administrators/receivers or a fund winding up). Examples of insured events include boundary disputes, fraud, forgery, documents which were not registered against the title or otherwise undiscoverable. This product is designed to provide you with complete peace of mind.
  • Most specific risk policies provide cover in perpetuity and for any onward purchasers, lessees, mortgagees and their successors.
  • All risk policies wrap around the current transaction and protect the owner for as long as they own the property. In some cases, we can extend this to an onward purchaser, where assets will be quickly flipped on.
  • Our policy wording has been designed to be easy to understand, but provide expansive and comprehensive coverage. We pride ourselves in our flexibility and our underwriters are always happy to amend policies as and where required to ensure clients obtain the right cover. We are always willing to look at innovative, bespoke solutions and custom wordings, unlike some traditional insurers.
  • Please ask for a copy of the policy wording for the full list of insured events.

What’s Not Covered

  • Unless covered as a specific risk, known matters that already affect the title/ownership on the day the policy is issued, e.g. legal obligations, pre-emptions, leases, mortgages, rights of way, existing utilities
  • Future events causing risks that didn’t exist on the day the policy was issued
  • Pollution and contamination
  • War and terrorism
  • Compulsory taking e.g. by a government (unless the legal process has started before the policy is issued)
  • Risks that are insured by a household policy

Please ask for a copy of the policy wording for a full list of the Uninsured Matters.

How Much Does it Cost?

We price our legal indemnity covers competitively and, with the backing of our multiple insurers, we can provide flexible options. Prices range per jurisdiction.

For England and Wales, our Quick Quote facility and My Legal Indemnity Shop can provide quotations for over 40 specific risks in the UK. Where development is anticipated, pricing range as follows:

In Western Europe, pricing is as follows:

In Central & Eastern Europe, pricing ranges as follows:

Make An Enquiry

Make An Enquiry X

Speak to the team

Adam Keith

Senior Underwriter - UK

London

Email Adam

T:+44 (0)207 337 8778 / M:+44 (0)751 912 9127

Adam Studied Law at Durham University, before moving to London where he worked as a legal indemnity underwriter for five years, specialising in complex risks, large portfolios and rights to light.

Since then, Adam has spent the last three years working as a legal indemnity broker, finding solutions for a wide range of international transactions, including some of the largest in Europe.

Josh Astbury-Dennis

Commercial Underwriter

+44 (0)203 435 6284

Norwich

Email Josh

More about Josh

Josh Astbury-Dennis

Commercial Underwriter

Norwich

Email Josh

+44 (0)203 435 6284

Josh joined DUAL Asset Underwriting in July 2015 with 12 months experience as a junior underwriter. Since then, he has demonstrated his technical ability and commercial awareness and become a fully independent and motivated commercial underwriter.

Josh is experienced in dealing with both residential and commercial title risks allowing him to consider a wide range of real estate issues, and enabling him to find insurance solutions in a flexible and efficient manner.

Jessica Ollerhead

Jessica Ollerhead

Commercial Underwriter

London

Email Jessica

T:+44 (0)207 456 8045 / M:+44 (0)7519 129 166

Jess studied Law at University of Cumbria before moving to London to continue her studies in Legal Practice. Jess started her career in underwriting in 2016, before joining DUAL in April 2018.

Jess primarily considers more complex legal indemnity risks and rights to light, with a particular interest in restrictive covenants.

Paul McGennis

Title & Legal Indemnity Manager - Ireland

T:+353 (0)1697 1169 / M:+353 (0)86 243 8279

Dublin

Email Paul

More about Paul

Paul McGennis

Title & Legal Indemnity Manager - Ireland

Dublin

Email Paul

T:+353 (0)1697 1169 / M:+353 (0)86 243 8279

Paul brings a wealth of experience to DUAL Asset Underwriting’s Title and Legal Indemnity offering with a particular focus on Ireland. Paul has over 30 years’ experience as a lawyer in Ireland, advising Property Investors, Developers and Financial Institutions in the Irish Market. His strong understanding of the legal environment surrounding the Real Estate and Property Financing sectors add invaluable insights into the delivery of DUAL Asset Underwriting’s title to share and real estate offerings.

Paul is admitted as a solicitor in Ireland, England and Wales and is recommended by Chambers and Partners: –

“Paul McGennis has expertise across a range of issues and is regarded as a talented, experienced practitioner”.

Kirstin Nee

Senior Underwriter - Head of Scotland and Northern Ireland

T:+44-(0)207 337 9875 / M:+44 (0)789 486 7476

London

Email Kirstin

More about Kirstin

Kirstin Nee

Senior Underwriter - Head of Scotland and Northern Ireland

London

Email Kirstin

T:+44-(0)207 337 9875 / M:+44 (0)789 486 7476

Kirstin entered the legal indemnities market straight from law school and has been underwriting high net worth commercial and residential defective title policies for Scotland, Northern Ireland and the Republic of Ireland. This involves a detailed knowledge of commercial and residential property law and keeping up to date with case law and legislative changes. She then went on to be a Customer Relations Manager at Millar & Bryce (Scotland’s premier provider of legal searching) before returning to her love of underwriting as a Senior Underwriter at DUAL Asset Underwriting in 2016.

Since joining the team, Kirstin’s specialisms have grown very much internationally as well as into the corporate sphere with DUAL Asset Underwriting’s global title to share and real estate offering. Kirstin works very closely with our M&A and Real Estate clients on matters great and small and from around the world to ensure deals happen.

Emilia Binder

Title Insurance Officer – CEE & SEE

+48 883 307 585

Warsaw

Email Emilia

More about Emilia

Emilia Binder

Title Insurance Officer – CEE & SEE

Warsaw

Email Emilia

+48 883 307 585

Emilia is a qualified legal advisor with over 10 years’ experience on the Polish market. She specializes in real estate and construction law, with a main focus on spatial development, building and re-privatization law.

Emilia has provided international investors and developers with on-going legal assistance in relation to building law issues and assisted and consulted on acquisition and transfer of real estate. She has represented clients in proceedings concerning construction, zoning, heritage and environmental protection, including numerous successful cases before the Supreme Administrative Court. She has advised on regulating the legal status of the properties, being involved in many cases regarding re-privatization and statutory impropriation of state legal entities.

Prior to joining DUAL, she worked at the Warsaw offices of Beiten Burkhard and Wolf Theiss, leading law firms in Germany, Central, Eastern and South-Eastern Europe. Emilia studied law and applied linguistics at the University of Warsaw and at the University of Tübingen, Germany. She has also completed a secondment at ThyssenKrupp AG in Essen, Germany. Emilia is admitted to the Polish Bar and is fluent in English, German and Polish.