What we offer

Our WIP cover insures a law firm for the non-recovery of its fees following an unsuccessful outcome in litigation where the firm was acting on a CFA, DBA or contingency fee. Thomas Miller Legal can typically insure up to 50% of the base fee which the firm would normally be able to charge the client on a pay as you go basis. WIP cover is available for one-off cases or across a portfolio of cases. 

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) for one-offs or up to £5,000,000 (or AUD/CAD 7,500,000 and USD 6,250,000) for portfolios.

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 the law firm 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

  • 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, although we may include such cases in a portfolio where the rest of the cases enjoy at least a 60% chance of success


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