• A reputation for professional excellence with integrity

    A reputation for professional excellence with integrity

  • Accurate understanding and technical analysis

    Accurate understanding and technical analysis

  • National and International Experience

    National and International Experience

  • 34 years in private legal practice

    34 years in private legal practice

  • A focus on events and consequences, not gossip

    A focus on events and consequences, not gossip

  • Helping lawyers, brokers, accountants, surveyors and other professions

    Helping lawyers, brokers, accountants, surveyors and other professions

  • There when you need him

    There when you need him

Brokers / IFA's

Insurance Brokers

are the heart of the insurance and risk-displacement industry. They straddle the sometimes grey divisions between sales of financial products and supplies of professional advice and services; and are prey to risks and claims which some other professions rarely encounter.

IFAs

have become one of the most closely supervised and scrutinised professions, by the Financial Conduct Authority, from consumer protection organisations, and the media. .

Claims and exposures are accordingly inevitable and diverse. FMWL provides prompt, personal and competitively priced services to help with

 to produce optimum outcomes.

For more information on the service FMWL can provide to Brokers and IFA's throughout Yorkshire and the North of England, contact our Thirsk office on 01845 501162.

Case Experience

Examples of Matters handled include..

Case 1: LITIGATION

Clients: Regional Insurance broker and their Insurers

Context: Alleged mis-description of the policyholder's business and risk to be insured, causing insurers to repudiate a high value employers-liability claim

Adjudicator: High Court (QBD

Wider Significance: Facts-specific

Outcome: Claimant failed to beat Defence early-action offer

Duration: Awkward legal issues, as well as conflicting witness accounts, necessitated careful risk evaluations and a well-judged offer which safeguarded defence costs recovery

Case 2: FOS COMPLAINT

Clients: A former IFA business owner facing personal exposure years after the business closure

Context: Historic financial products advice/sale alleged to have caused under-recovery on risk-crystallisation years later

Adjudicator: Financial Ombudsman Service

Wider Significance: Risks of multiple further exposures avoided

Outcome: Complaint abandoned

Duration: The quality and comprehensiveness of the complaint response was key

Professional Risk Expertise

Mike Willis has worked with a diverse range of professions including...

The FMWL Approach …

  • Accurate understanding and technical analysis;
  • Focus on duty, causal event(s) and consequences; not gossip…
  • Sensitive but objective empathy;
  • Overarching commerciality; and
  • Clear aims, with vision where necessary to explore indirect routes to solutions.