The decision in Standard Life v Ace and others [2012] opened the way for insureds to argue that mitigation costs coverage could provide much broader cover than was ever anticipated by insurers.

We have been working with a number of London Market insurers to produce a checklist of issues to consider when drafting such clauses. It is intended as a prompt to the underwriter's thought process. To emphasise, the answer to each question need not be "yes".

Download our checklist of issues to consider (PDF, 74KB)