Services

Administration Claims Australia is an Australian Licensed General Insurance broker, specialising in providing After The Event (ATE) cover to the legal industry.

Our Expertise

With years of experience in the insurance industry, we specialise in providing ATE cover to the legal sector. Our deep understanding of complex legal risks ensures that we offer the best protection and guidance tailored to your needs.

Secure your legal costs with tailored ATE insurance

What is ATE Insurance?

ATE (After The Event) insurance offers protection for litigants against adverse legal costs. It is typically used to cover the insured party’s liability for their opponent's legal costs but may also include or exclude other expenses such as barristers’ fees, expert witness fees, court costs, and more, depending on the policy.

In some instances, ATE insurance can also cover the policyholder’s own legal expenses, based on the likelihood of a successful outcome.

Important: The term "legal costs" can refer to a specific or broad range of expenses, which should be clearly understood before accepting any policy. This could result in partial rather than comprehensive coverage.

The extent of the cover is determined during the initial assessment and application process, ultimately decided by the insurer and reflected in the premium.

ATE policies are not standardised, so it’s essential to carefully read and understand the terms before issuance. Our expertise lies in negotiating the best possible terms and premiums tailored to your needs and risk tolerance.

Common Uses of ATE Cover

ATE cover can be obtained by any party (Claimants and Defendants) involved in a legal dispute, for almost any type of case. It is most commonly used in insolvency-related claims by liquidators, but is increasingly applied to professional negligence claims, personal injury claims, class actions, and international disputes.

When Can ATE Cover Be Obtained?

ATE cover can be secured at almost any stage of a dispute, though it is typically arranged early on, often when a court requires a deed of indemnity. Early acquisition of ATE cover tends to be more affordable and can provide a strategic advantage in proceedings. It’s important to note that ATE cover differs from Public or Professional Indemnity insurance, which should be in place prior to the insurable event.

How and When is the Premium Paid?

The nature and potential outcome of the case primarily influence the premium terms acceptable to the insurer. In insolvency cases brought by liquidators, premiums are often paid at the conclusion of the case and may depend on its outcome. Special terms, such as stepped or deferred premiums, can be negotiated based on the specifics of the case.