After the event insurance (ATE)

An ATE Insurance policy, often known as legal expenses insurance, covers the policyholder against being liable for costs when they have decided to bring or defend a legal action.  

In most cases the ATE policy would be to cover some or all of the other side's costs and the claimant’s own solicitor’s disbursements, dependant upon the policy taken out.

Normally, ATE cover is arranged before proceedings have been issued, although cover can be taken out at a later stage in the claim. The policy premium is usually staged so that the premium will be lower if the case settles early.

Payment of the premium is usually deferred until the outcome of the case, with the premium only payable in the event of the case being successful. If the case is unsuccessful, no premium is due.

DeNovo provides solicitors with a full range of After the event insurance (ATE Insurance) policies at competitive rates. Sectors include: 

Commercial & Civil Litigation ATE 

Including contract disputes, insolvency, professional negligence, property disputes, debt recovery, contentious probate etc.

Clinical Negligence ATE 

Including dental negligence, PIP implant claims, misdiagnosis, hospital negligence, birth injuries, GP negligence claims, care home claims etc.

Personal Injury ATE 

Including motoring claims, accidents at work, slips and trips, public accidents, defective product accidents, sports accidents etc.

Employment Tribunal ATE

Including unfair dismissal, constructive dismissal, wrongful dismissal. Discrimination, race discrimination, disability discrimination, sex discrimination, religious discrimination, redundancy, equal pay etc. 

The DeNovo team are ready to assist so please contact us by phone on 020 3693 7186 or by email on