What we offer

Thomas Miller Legal is one of the market’s leading specialists in After the Event insurance (ATE). Our ATE insurance can include cover for adverse costs, the insured’s own costs and disbursements and cross-undertakings for damages cover.

Thomas Miller Legal is authorised to cover risks located in the United Kingdom or Great Britain and Northern Ireland, the Isle of Man and the Channel Islands, Australia, New Zealand, Canada, Singapore, Hong Kong and the USA. The insured must be domiciled in Europe, the Isle of Man, the Channel Islands, Singapore, Hong Kong SAR, Australia, New Zealand, Canada and the USA.

We can underwrite policies with an aggregate limit up to £2,000,000 (or AUD/CAD 3,000,000 and USD 3,125,000). We can co-insure a risk where the insurance requirement is higher.

The process

Once we receive a completed application form and supporting documents we will assess the merits of the claim and provide our response within one week. If we offer terms your client will have one week to accept the terms. Upon confirmation that the terms have been accepted Thomas Miller Legal will issue the insurance policy.

What we do not cover

We will not consider applications from litigants in person; therefore all applicants must have legal representation. All applications must be provided by a broker or legal representative.

We do not provide cover for the following:

  • Non-monetary claims (e.g. claims for an injunction only or for judicial review).
  • Employment disputes
  • Family disputes
  • Contentious probate claims
  • Defendants - we only provide cover for claimants
  • Claims with a less than 60% chance of success


Specimen wording of the insurance policy and a proposal form can be found here: 

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