CLEAR works hand in hand with leading surveyors, solicitors and insurers to arrange insurance for significant developments in the City and throughout the UK.
As one of the leading brokers in the Rights of Light and Legal Indemnity market, CLEAR can offer knowledge and experience to developers looking for bespoke insurance solutions.
Why arrange a Rights of Light insurance policy?
It enables a developer to proceed with the scheme without fear of Rights of Light repercussions, providing financial security
Where contractually required, cover will meet lenders' or potential buyers' requirements
Cover is flexible and tailored to the individual requirements of the development
Design a Rights of Light insurance policy that works for you
We aren’t just here to obtain insurance quotes, we also;
Work with our clients to provide strategic advice and find the most effective solution to help avoid claims due to Legal Indemnity or Rights of Light issues
Work with insurers to tailor comprehensive policy wordings specific to our client requirements
Work with legal representatives to advise their clients on the best products available in the market
Our team has the experience to know which markets offer the cover required specifically to meet your intended risk management strategy saving you significant time.
How do I get started?
Once you have a completed Rights of Light report, we’ll work closely with you to formulate an appropriate strategy and propose a suitable insurance solution. In order to start this process, please provide us with the relevant information and documentation detailed in our below Shopping Lists:
The information should be submitted to our team at:
For further information please read the guidance note or the FAQ’s below:
What you need to know
Here are some of the most frequently asked questions we receive about our Rights of Light cover:
Can insurance work in conjunction with a surveyors suggested negotiation strategy
The latest Rights of Light polices can be adapted to dovetail with the strategy that you wish to employ for each injured property. Whether you to choose to negotiate with your neighbours or not, ultimately we can shape an insurance policy to fit with your overall strategy for dealing with Rights of Light.
What are the implications of not having a Rights of Light insurance policy in place before work starts on site?
If you have undertaken a Rights of Light Report and have negotiated and obtained Deeds of Release with all affected parties there should be no real need for insurance. Should you be required to start work on site but have not yet either initiated or completed negotiations it would be recommended that you support your strategy with an insurance policy which allows for this. In addition if you reach a point where you cannot negotiate with the injured party because they choose to seek an injunction, insurance may be able to help you to mitigate your losses.
What is good neighbourly conduct?
Due to recent case law, good neighbourly conduct should be reviewed when considering any Rights of Light risk to avoid the likelihood of an injunction; we are happy to take you through this in more detail if required.
Why do insurers require neighbourly matters information
In order for an underwriter to assess a risk on behalf of the insurer, they need to understand as to where neighbours will need to be contacted to gain access or to initiate licence agreements such as crane over-sail or Party Wall Awards, these processes would alert neighbours and could induce a Rights of Light claim.
Is insurance available if the neighbours are aware of their rights?
Yes, potentially. It will depend on the level of the injury and the appetite of the neighbours to seek legal recourse.
Can policies be arranged on a pre-planning basis?
Yes, in many cases. We would need to discuss this further with you to understand the development and implications.
Will the policy enable us to speak to our injured neighbours about Rights of Light issue?
In certain circumstances, policies can be written on the basis of “agreed conduct”, which will allow you to approach neighbours for a release, subject to a suitable policy excess.