Aggregation in Professional Indemnity Insurance Policies

15 June 2022

In this podcast episode, barristers David Halpern KC and Ben Elkington KC address aggregation clauses, when two or more claims are treated as a single claim, in professional liability insurance policies including solicitor’s insurance and other types of professional indemnity insurance.

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This Episode focuses on aggregation clauses in professional indemnity insurance.  It covers the aggregation provisions of the SRA Minimum Terms and Conditions, including in-depth analysis of three leading cases in this area: Lloyds TSB v Lloyds Bank (House of Lords, 2003), AIG v Woodman (Supreme Court 2017) and Baines v Dixon Coles & Gill (Court of Appeal, 2021).  It also covers aggregation clauses in other types of professional indemnity insurance, with a detailed consideration of the decision in Spire Healthcare Ltd v RSA (Court of Appeal, 2022).



Click here to download the Aggregation in Professional Indemnity Insurance Policies talk handout.

Related areas


David Halpern KC

Call: 1978 Silk: 2006

Ben Elkington KC, FCIArb

Call: 1996 Silk: 2012




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