Welcome to Independent ATE, we are an insurance broker dealing exclusively in After the Event Legal Expenses Insurance. As a subsidiary of PWS Financial Consulting, a company with over 50 years experience in the financial services and insurance industry, we have extensive links to insurers in the market and provide professional advice with regards to delegated authority schemes and individual bespoke policy applications. Independent ATE is not owned by, or restricted to one particular insurer, the advice we give is completely impartial.

Independent ATE can assist in your duty to comply with the Solicitors
Regulation Authority Code of Conduct and your obligation to provide
independent advice to your clients with regards to the insurance
products you recommend. Your client is also receiving the best
possible protection against the potential liabilities in pursuing a
legal action.

Independent ATE will provide you with a dedicated account manager with extensive experience of underwriting After the Event insurance, who will work with you to tailor schemes that meet the exact requirements of your practice.

Using Independent ATE as your broker of After the Event insurance provides you with numerous advantages over dealing directly with one or several insurance companies directly.

We allow you to utilise the products of numerous insurance companies through one system
We provide a comprehensive analysis of the market at the outset and throughout the
duration of our working relationship
We monitor any variations or changes in the market and the direct effect they may have on your individual practice
For bespoke policy applications, you make one single application through us. We then negotiate on your behalf with several insurers and present their quotations with clear, simple advice and recommendations
Our unique IT system is simple to use, flexible and durable enough to be used in a way that suits your practice. Whether you are a sole practitioner or a large firm it can adapt to your needs
We can help you remain wholly compliant with SRA rules regarding impartiality and disclosure
Advice from Independent ATE is always provided in writing with clear and comprehensive reasons as to why we recommend a product or scheme

Independent ATE, have taken the time to design and develop
a unique online IT system that allows you to manage the ATE
insurance requirements of your whole practice through one
portal providing the speed, efficiency and simplicity that you
need, 24 hours a day. We save you time and we give you clear
management information. At the click of a button we allow you
access to multiple underwriters with absolute simplicity.

The Independent ATE online portal allows your practice to:

Securely access the system by username and password
Upload information stored in your case management system to
create both delegated authority and individual bespoke policy
applications and provide updates in relation to existing policies
Receive policy documents directly to the fee earners inbox within minutes of requesting a policy on a delegated authority scheme
Change insurers at any time without having to research the market, learn how to use a new system or change your internal processes
Track and manage the process of claiming against the policy.

Our online portal also provides detailed statistical information, which helps you identify the position of all your cases on one ‘simple to use’ graphical screen.

After the Event insurance is a method of assisting the funding of
most types of litigation by transferring the risk of any resultant
costs liabilities from a claimant to an insurer. Such costs
could include disbursements and defendant costs.

The policy is purchased after the cause of a legal dispute,
therefore given the name ‘After the Event’ Insurance.

In most cases, the premium for After the Event insurance
can be recovered from the defendant in the litigation as
a standard disbursement. With most insurers, payment of
the premium can be deferred until the end of the case.
To further minimise the risk to the claimant, the premium
can often be ‘self-insured’, meaning the policy will pay for
its own premium should the litigation fail.

After the Event insurance is available on most types of
litigation from personal injury requiring lower limits of
indemnity through to high value and complex litigation
where seven figure legal costs are common.

In recent years, most of the available ATE (After the Event) Insurance products on delegated authority schemes appeared similar on the surface. However, the streamlining of the RTA claims process in April 2010 has led to much more diversity in the range of schemes on offer for this particular type of case.

Following a simple consultation with one of our dedicated account managers, Independent ATE can analyse your requirements as a practice to determine which product or combination of products best suits your needs. We will provide you with our findings with a clear and comprehensive list of the reasons for our recommendation.

We then guide you through the process of implementing your tailored scheme by liaising with the insurers we recommend, arranging the terms of business agreements if necessary and negotiating the best possible terms for you.

After implementation of the scheme, all policy applications and case updates are made through our online IT system so the whole scheme is managed in one place.

Ongoing monitoring and assessment of your whole ATE scheme ensures that Independent ATE can give you advice if we see that an alternate product would be more beneficial. If, following this advice, you do decide to change your scheme, the Independent ATE portal will process any necessary amendments, removing the need to change your internal processes.

Personal Injury, Clinical Negligence, Consumer Financial

We offer a range of options if you wish to apply for ATE insurance on cases that cannot be covered under a delegated authority scheme. Such cases could include commercial or civil litigation, professional negligence claims or insolvency litigation to name but a few. We are confident that whatever risk your client faces, we can find a way of insuring it.

With or without a delegated authority scheme, you can use our online system to complete an individual case proposal form, upload any supporting documentation and submit it to us for assessment and quotation. This enables Independent ATE to search the market and obtain quotations and eliminates the need for you to complete multiple proposal forms to submit to multiple insurers in order to find your clients best option.

We also accept written proposal forms and can supply these upon request.

Quotations will come from a range of insurance companies and each will usually also offer a range of alternatives. We will offer our advice on which option best meets the requirements of your client and will always be available to discuss them.

We offer a comprehensive range of policies, including, but not limited to: Contentious Trusts and Probate, Group Litigation and Class Action, Commercial Litigation, Civil Litigation, Professional Negligence, Libel and Defamation Litigation Employment Litigation, Insolvency Litigation.

Independent ATE Ltd.
Colonial Chambers, 3-11 Temple Street, Liverpool L2 5RH

Telephone | +44 (0)151 294 3135
Fax | +44 (0)151 227 2120

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