Clare Dixon

Clare’s practice includes a broad spread of commercial work. She has acted in a variety of contractual disputes as well as matters involving sale of goods litigation and mortgage related disputes. She also has experience of obtaining urgent injunctive relief.

Notable instructions include:

• Successfully obtaining an interim injunction for a medical reporting organisation to stop the downgrading of its status which change would have caused irreparable harm to the company. Having secured the position, Clare (led by Patrick Lawrence QC) was then instructed in  the subsequent judicial review proceedings.
• Acting for a software company in a dispute over the construction and application of a sale purchase agreement involving the sale of a website and associated assets.

• Acting for a loss adjustor in a case involving interlocking commercial agreements arising out of the handling of claims under the RTA portal.
• Acting for a financial services compliance company in a contractual dispute with a bank to whom it had provided services.

• Acting in a referral to the Upper Tribunal and appeal to the Court of Appeal on behalf of a financial services company in a financial services enforcement case.
• Acting for a glazing specialist in a contractual claim arising out of the supply of sealant for a construction project.

• A substantial dispute between a local authority and its services outsourcing provider. The case involved the interpretation of multiple interrelated contracts and contractual documents, and their application to a variety of local authority procurement needs (eg highways and residential care homes). Clare was Instructed by Pinsent Masons LLP and led by David Turner QC.

• A claim in fraud by a professional indemnity insurer and a leading firm of solicitors against their former employee: Travelers Insurance Co Ltd & Denton Wilde Sapte v Advani [2012] EWHC 623. The case was concerned with whether the former employee had acted fraudulently and/or outside the scope of her employment so as to entitle the claimants to recover costs which they had expended in defending both the former employee and her then employer in a previous action. Clare was led by Justin Fenwick QC for the trial of the action but then acted alone on the subsequent freezing injunction applications. 

• Clare was instructed by Holman, Fenwick & Willan in a 12 week trial in the Commercial Court: Abu Dhabi Investment Company v Clarkson [2007] EWHC 1267 (Comm). The Claimants had invested in a joint venture container shipping line which was to be operated from Abu Dhabi: Abu Dhabi Container Lines (“ADCL”). ADCL purchased 10 container vessels to run on its line at a cost of about USD$400million. ADCL failed within months of its inception. Proceedings were brought against the ship brokers who had advised the Claimants, the joint venture partner who it was found had fraudulently misrepresented the earning capacity and viability of the vessels, and the bank who had provided funding for the venture.

• Acting for a flooring supplier which succeeded at trial in a claim relating to the payment for, and supply of, goods.

Cases

Clare has experience of a broad range of construction disputes: both pure construction matters and construction professional liability. Clare regularly appears in the Technology and Construction Court and has experience of arbitrations and adjudications. She enjoys getting to grips with the technical information and expert evidence often involved in such dispute.

Examples of her cases include:

• Acting for a sub-contractor in relation to a dispute arising out of, amongst other things, the fire rating of cladding on a Birmingham office building.
• Appearing (led by David Turner QC) for the supplier of aggregate used for the construction of motorway concrete safety barriers in Costain Limited v Tarmac Holdings Limited . The case raised issues as to the extent of the remedial works necessary to address contamination of the aggregate, the incorporation and application of the ADR provisions contained within Clause 93 of the NEC 3 Supply Short Contract, the effect of the duty of mutual trust and co-operation imposed by Clause 10.1 of the NEC 3 suite of contracts and whether the parties’ arbitration agreement was “null and void, inoperative or incapable of being performed” within the meaning of s.9(4) of the Arbitration Act 1996.
• Clare was instructed for a demolition sub-contractor in a claim brought by the main contractor arising out of works done during an office block refurbishment in Birmingham.
• Acting for a glazing sub-contractor in a claim brought by the main contractor arising out of the installation of windows in an atrium.
• Clare was instructed on behalf of the architect in a dispute concerning the major refurbishment of a restaurant.
• Clare was instructed for a project manager in a claim concerning building works at a sea front apartment block.
• Clare was instructed by Kennedys LLP in a multi-party construction dispute arising out of the insulation of chilled water pipework at Linklaters LLP’s City office. Two summary judgment applications were made. The first, Linklaters Business Services v Sir Robert McAlpine [2010] EWHC 1145, 130 Con LR 111 considered the duty of care owed by a sub-sub-contractor whose carelessness in installing insulation in a building had caused damage to other areas of that building. The other, Southern Insulation v How Engineering [2010] EWHC 1878 considered whether a sub-sub-contractor could owe a sub-contractor a duty of care such that the sub-contractor could recover sums which it was held liable to pay the main contractor.

Cases

Clare has advised on, and appeared in, disciplinary proceedings in a number of forums.

Notable instructions in the Solicitors’ Disciplinary Tribunal are:

• Acting for two individual solicitors (Case Ref 11737), successfully defending loss of integrity charges arising out of admitted use of a client account as a banking facility.
• Clare appeared for the solicitor in Case Ref. 11399 (Mashru). The focus of the case was on whether the solicitor had used the client account as a banking facility, had paid sufficient regard to compliance with the Money Laundering Regulations and had adequately supervised a solicitor who he knew to be subject to an ongoing SRA investigation. The case was dismissed.
• Clare was also instructed to act for the solicitor in Case Ref. 1137 (Devine), which involved allegations of using a client account as a banking facility, improper retention of client funds and acting where there was, or was a significant risk of, a conflict of interest. Prior to the hearing, the solicitor and the SRA agreed a statement of facts and a suggested outcome. The SDT took the opportunity at the hearing to provide guidance on the proper procedure to be adopted in those circumstances.
• Clare was instructed to act for the solicitor in Case Ref. 10593 (Richards) which involved allegations of breach of undertaking and, so far as the penalty was concerned, dealing with issues of mitigation and impecuniosity.

Clare also has experience of financial disciplinary matters. Recently she was instructed by a financial services company in a referral to the Upper Tribunal ([2017] UKUT 210 (TCC)) and appeal to the Court of Appeal. The referral was concerned with whether the client should be named in two FCA Decision Notices which made findings against third parties and various consequent publication and privacy issues.

Clare is a prosecutor for the Bar Standards Board and has appeared in such cases both at the Tribunal and appellate level.

Cases

“A formidable opponent because of her robust style in written and oral advocacy and in negotiations.” (Legal 500, 2020)

“She is extremely good.“ (Chambers & Partners, 2020)

“Responsive, bright and provides excellent advice.” (Legal 500, 2019)

“She has good judgement and is technically excellent. A true team player.” “The quality of her written work is very high and she is a delight to deal with.” “Very bright and client-friendly.” (Chambers & Partners, 2019)

Clare’s practice includes a substantial insurance element both as a junior and on her own account. She has appeared twice in the Supreme Court in insurance cases.

Professional Indemnity Insurance

With extensive experience in both professional liability and insurance matters, Clare is frequently instructed to advise in respect of non-disclosure, aggregation, successor practice and the interpretation of professional indemnity policies. Her instructions have ranged across a broad range of professions including solicitors, mortgage intermediaries, surveyors and debt recovery agents. Clare has particular interest in, and experience of, dishonesty issues and has acted for both insurers and insureds in relation to such matters.

Clare (led by Mark Cannon QC) appeared for the successful insurers in the Supreme Court case of Impact Funding Solutions Limited v AIG Europe Limited [2016] UKSC 57; [2017] AC 73. Impact considered the ambit of the “trade debts” exclusion in solicitors’ professional indemnity policies and whether it excluded a solicitor’s liability to a disbursement funding provider. The Supreme Court also gave important guidance on the construction of clauses which, while worded in terms of exclusion, do no more than to define the extent of the liability or duty to which one party of a contract is to be subject.

Cases in this area include:

• Advising and acting for an insured valuer in an action against its professional indemnity insurers arising out of the scope of notifications made in the course of a policy year.
• Advising and acting for an insurer in an arbitration concerned with whether a notification was of a specific number of transactions or was a “can of worms” type notification.
• Acting for a solicitor against whom allegations of fraud, and claims for reimbursement, have been made by insurers who provided cover in three successive years.
• Acting for an insurer (led by Justin Fenwick QC) in an arbitration to determine who had first been notified of a number of claims with a value of about £2million. The case turned on whether, in the circumstances of this case, file requests by a lender comprised a notification of circumstances.
• Acting for an insurer (led by Justin Fenwick QC) in an arbitration to determine which insurer was on risk for a number of claims which were said to have been notified as part of a “can of worms” notification to insurers.
• Acting for a professional indemnity insurer (led by Justin Fenwick QC) in a claim against their former insured: Travelers Insurance Co Ltd & Denton Wilde Sapte v Advani [2012] EWHC 623. The case was concerned with whether the former employee had acted fraudulently so as to entitle the insurer to recover costs which they had expended in defending both the former employee and her then employer in a previous action.
• Acting for a valuer’s professional indemnity insurer initially (alone) to advise on the scope of the cover and the year which was potentially on risk and then (led by the then Sue Carr QC) to advise on whether insurers were entitled to decline cover to the insureds for dishonestly failing to disclose the existence of a potential claim prior to the renewal of the policy.

Employers’ and Public Liability Insurance

In 2012, the Supreme Court handed down judgment in the Employers’ Liability Policy Trigger Litigation. This was the successful culmination of several years work during which Clare (led by Jeremy Stuart-Smith QC and Leigh-Ann Mulcahy QC) had represented Zurich Insurance Company at a 9 week trial in front of Burton J, a 3 week hearing before the Court of Appeal and a 2 week hearing in the Supreme Court. The case was concerned with the proper interpretation of employers’ liability policies which were written on an “injury sustained” or “disease contracted” basis and whether they would respond to mesothelioma claims at the time of inhalation or when the tumour developed. The Supreme Court found, by a majority, that such policies should respond at the date of inhalation.

Since Trigger Clare has been instructed to act on other matters concerning notifications to EL and PL insurers.

Other Experience

Clare’s insurance practice is not confined to professional indemnity and EL/PL cases. She is frequently instructed to act for insurers/insured in case arising out of other types of policies and is familiar with the particular issues around other specialist areas of insurance such as D&O, Motor Trade, Personal Accident and Fire policies.

Cases in this area include:

• Advising in relation to financial loss / business interruption coverage issues arising from the Coronavirus / COVID-19 outbreak.
• Acting for a claimant construction company in a claim against insurers pursuant to the Third Parties (Rights Against Insurers) Act 1930 following insurers’ decision to withdraw cover from a party against whom the claimant had obtained an arbitration award. Clare was led by Justin Fenwick QC.
• Acting for the insured in his claim for an indemnity under his former employer’s personal accident insurance policy. The claim turned on the meaning of “accident” within the policy.
• Instructed by both insurers and the policyholder to make a binding determination as to whether prosecution costs incurred by a managing agent in the course of a Health & Safety prosecution were covered under an insurance policy.
• Acting for insurers to defend a claim for an indemnity arising out of property damage on the basis that the claim made was fraudulent and/or was supported by fraudulent devices.

Clare is the current editor of the “Members and Managing Agents at Lloyd’s” chapter in Jackson & Powell. She regularly gives talks and seminars on insurance law.

Cases

“She is firm, incisive and has the ear of the court.” (Legal 500, 2020)

“A formidable junior who is relentlessly good at what she does.” “She comes up with an innovative approach to get a fantastic result, and is very user-friendly.” “She is very good at making herself available, is very responsive and understands the pressures that solicitors might be under.” (Chambers & Partners, 2020)

“She is very down-to-earth, a great communicator, and inspires confidence in the client.” “She provides a first-class service – thoroughly recommended.” (Chambers & Partners, 2019)

“She mixes great commercial acumen with an excellent grasp of black letter law.” (Legal 500, 2019)

“Reliable, thorough and good from the start of a claim through to trial. “One of the best professional negligence juniors. Extremely trustworthy and super-fast.” (Chambers & Partners, 2018)

“She provides robust and commercial advice, and is very tenacious.” (Legal 500, 2017)

“She’s extremely intelligent, and gives her advice in a very understandable way” and “She is fantastic to work with and quickly grasps the detail in large cases” (Chambers & Partners, 2017)

“She provides probably the best-drafted written advice of any junior at the Bar” and “is admired by sources who value her “high intellect” (Who’s Who Legal, 2017)

Clare specialises in all areas of professional liability with particular emphasis on lawyers, valuers, accountants and auditors, and insurance brokers. She has been instructed in numerous professional liability cases (both led and on her own account) and has appeared for claimants and defendants both in Court and at mediations. She is an experienced advocate who gets to grips quickly with what is really at issue and takes a tough line to achieve the best outcome for her client.

Clare has acted for both Claimants and Defendants in product liability cases. Her experience includes:

• Clare is instructed in a number of cases (led by David Turner QC) which arise from the supply of allegedly defective concrete for use in a variety of major construction projects.
• Acting for the Defendant in a flooding claim arising out of a faulty connection within a fridge.
• Acting for a Claimant in a flooding claim arising out of the failure of a water softener due to the joint between two parts within the softener having been wrongly designed/manufactured.
• Acting for a Defendant in a claim arising out of the installation of faulty oil tanks and a subsequent, substantial, oil leak.
• Acting for a Claimant vehicle repair centre in a fire claim arising out of the failure of a spray booth used to respray vehicles.
• Acting for a well known electrical retailer in a fire claim which fire is said to have started by reason of a faulty dishwasher which they supplied.

Clare has substantial experience in property damage claims involving such things as floods, fires, subsidence and construction works. Her experience includes:

• Clare is instructed in a number of cases (led by David Turner QC) which arise from the supply of allegedly defective concrete for use in a variety of major construction projects.
• Acting on a variety of claims, for both Claimants and Defendants, and in both a domestic and commercial context, arising out of floods which are said to be due to defective plumbing works.
• Acting for a garage owner whose garage was flooded when a culvert owned by a local authority
• Acting for a claimant in a claim arising out of the destruction of part of the highway following a road traffic accident.
•  Acting for a number of claimants in the Buncefield litigation including a substantial claim for insured and uninsured losses by a haulage company and other claims which involved complex business interruption issues.

In addition Clare has substantial expertise in nuisance claims, particularly involving multiple parties. Recent examples of cases of this nature are:

• Defending a claim (led by Jamie Smith QC) made by about 300 claimants arising out of dust, noise and odour said to be emanating from an industrial unit in Kent.
• Defending a claim made by about 100 claimants in relation to the smell alleged to be emanating from a vegetable processing unit.

Clare has experience of arbitrations including LCIA, insurance, construction and commercial arbitrations.

Clare has experience of fraud in a number of contexts but, in particular: contractual disputes, insurance claims and allegations of deceit made against professionals.

Cases