Legal Indemnities
and Probate Insurances

Helping safeguard against unforeseen risks and assisting with smooth estate administration.

Legal Indemnity Insurance exists to speed up and satisfy lenders requirements when you’re buying a property (residential or commercial).

Probates insurances assist solicitors’ clients, executors, trustees and administrators anywhere in the United Kingdom with regards to probate.

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Ask a Question What are some examples of Legal Indemnity insurance that you can insure against?

A classic example is Chancel Liability, without which you could find yourself liable for the costs of repairs to your local church.

Another example is if you’re a developer, what if your development impacts upon someone else’s Right To Light?

Other examples are Restrictive Covenants, Defects in title including loss of deeds, Possessory Title, Lack of adequate access and/or services, Deed of gift/transactions at undervalue (Insolvency Act 1986), Easements, Leasehold problems, Flying freehold, Judicial review and other planning and building regulation issues, Search indemnities and sewer indemnities and Breach of warranty (portfolio sales).

Ask a Question What types of Probate insurance can you sort?

The main one is (of course) Unoccupied Property Insurance. Others include:

  • Missing Will Insurance
    This is a specialist policy designed to protect the executor, administrator or trustee in the event that post distribution of the estate, a missing will comes to light which affects the distribution of the estate.
  • Lost Share Certificate Insurance
    If a Share Certificate has been lost or mislaid, an indemnity will often be required from an insurance company to enable duplicate documents to be issued.
  • Missing Beneficiary Insurance
    This is a probate insurance policy designed to provide cover in the event that, after the distribution of a deceased person’s estate, a missing or unknown beneficiary comes forward claiming part or all of the estate.
  • Lost Life Insurance
    This insurance is typically required in the event of a policy having been lost or mislaid and an indemnity is required in order to surrender or claim the policy.
  • Lost Title Deeds
    Another specialist form of insurance designed to provide an indemnity in the event that the title deeds to a property have been lost or destroyed. Insurance cover is provided in the event of a dispute or challenge to the ownership.
  • No Section 27 Notice
    This form of insurance policy is designed to protect the executor, trustee or administrator in the event that an estate is distributed without issuing a Section 27 Notice and a missing or unknown beneficiary comes forward claiming part of the estate.
  • Early Distribution Insurance
    This is another insurance policy designed to protect the executor, trustee or administrator in the event that an estate is distributed without waiting for the expiry of the appropriate period under the provision of the Inheritance (Provision for Family and Dependents) Act 1975.
Ask a Question Which Legal Indemnity and Probate insurance cover companies does Prizm Solutions deal with?

As an insurance broker, we deal with many different insurance companies in order to find the right policy for our clients.

We currently use companies including Aviva, Zurich, Lloyds of London, AXA, RSA and Dual.

Have a question?
Our team is
here to help!

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One of our team will talk to you about your current circumstances in order to advise the best way forward. If you’d prefer to visit us at our offices in Tamworth, feel free to pop in! Just check our office hours on Google to make sure we’re open.

Questions we frequently get asked about legal Indemnities and probate insurance.

My solicitor will do all this for me, won’t they?

Yes they can, but often they will only deal with one supplier, whereas we can access the entire market to get you the cover you need at the most competitive price.

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What happens if we need to make a claim?

If you need to make a claim on your professional indemnity insurance, you need to call your insurance broker or insurance company straight away.

If you have a policy with Prizm Solutions, then you simply call us.

As your broker, we are here to help – and we will provide you with all the contact numbers you need to deal with a claim when you take out the policy.

Why choose Prizm?

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