Call 1997 Silk 2014
Chambers & Partners
“He... is just brilliant. His written submissions are particularly strong, they are so well formulated that they become almost unanswerable. His preparation is meticulous, he thinks like a judge.”
Deputy Head of Chambers
Jonathan Hough KC has a leading commercial and public law practice.
Jonathan is listed by both Chambers & Partners and Legal 500 as a Leading Silk in five practice areas: insurance / reinsurance; professional liability; administrative / public law; inquests / inquiries; and banking & finance/consumer finance. In all his fields of practice, he has appeared in many reported and important cases. He is also recommended by Who’s Who Legal (UK Bar).
He is ranked as a Star Individual in Chambers & Partners. He was nominated by Legal 500 for Professional Negligence Silk of the Year 2023, having previously been nominated for Public Law Silk of the Year for 2018 and for Group Litigation and Consumer Law Silk of the Year for 2022. His commercial cases have featured in the Lawyer Magazine’s Top 20 Cases of the Year for 2018 (NRAM v Eversheds), 2021 (Skatteforvaltningen v Solo Capital Partners LLP) and 2024 (Crypto Open Patent Alliance v Wright).
Recent comments in the directories include the following:
Chambers & Partners 2024, Insurance: “Jonathan is an excellent silk. He is a joy to work with, attentive and responsive.”; “Jonathan’s written work is flawless and he is excellent on his feet. His advice is precise and to the point.”; “provides fantastic written submissions – he is all over the detail”.
Legal 500 Bar 2024, Insurance and Reinsurance: “Jonathan is an exceptional barrister, fantastically intelligent and providing opinions of the very highest quality. He is great with clients and gracious with it. It is an absolute pleasure to work with Jonathan.”
Who’s Who Legal 2024 – UK Bar: “Jonathan Hough KC is an excellent insurance and reinsurance silk who skilfully advises domestic and international insurers and brokers on complex, high-value matters.”
Chambers & Partners 2024, Professional Negligence: “Clients absolutely love him, he is incredibly intelligent and knows the right points to make. His advocacy is also excellent.”
Legal 500 Bar 2024, Professional Negligence: “Jonathan is very easy to work with for solicitors and very clear and reassuring to clients. His written work is clear and precise.”
Chambers & Partners 2024, Administrative & Public Law: “He is the person you don’t want to be against because he is so good.”; “Jonathan has great tactical judgment and client handling skills”.
Legal 500 Bar 2024, Administrative Law and Human Rights: “Jonathan is completely unflappable. He is extremely user-friendly and a rare combination of robustness and empathy. He has an incredible eye for detail and leaves no stone unturned for clients.”
Chambers & Partners 2024, Consumer Finance: “an excellent silk, well known for his work in consumer finance law.”
Legal 500 Bar 2024, Banking and Finance: “He’s practical, precise and good with understanding the broader context.”
Chambers & Partners 2024, Inquests & Public Inquiries: “widely commended for his phenomenally deep knowledge of coronial law”; “regularly called upon to handle the most high-profile cases.”
Legal 500 Bar 2024, Inquests and Inquiries: “Jonathan has a laser-like focus on every aspect of the case. He is tremendously easy to work with, combining a formidable intellect with tactical nous and approachability. On his feet he commands the room, and the ear of the judge, with a calm and measured gravitas.”
Chambers & Partners 2023, Insurance: “Jonathan is unbelievably responsive, and the advice he provides is of the highest quality”; “extremely hands-on and is an excellent strategist”; “a rare combination of intellect and business sense”.
Legal 500 Bar 2023, Insurance and Reinsurance: “He is just outstanding. His written work is consistently flawless, combining rigour with practicality. Without ever getting lost in the detail, he provides advice that is always based on deep analysis.”
Chambers & Partners 2023, Professional Negligence: “His written work is really good, as are the opinions he produces for clients”; “acts for and against an impressive range of professionals”.
Legal 500 Bar 2023, Administrative Law and Human Rights: “He is measured and authoritative in his advocacy and meticulous in his preparation. When he speaks, he has the confidence of the court. He is a hugely reassuring presence to have in your corner.”
Chambers & Partners 2023, Administrative & Public Law: “renowned for his knowledge of public law and human rights issues that overlap with coronial law.”
Legal 500 Bar 2023, Consumer Law: “He is just outstanding.”
Chambers & Partners 2023, Consumer Law: “well versed in consumer credit matters”; “an expert on consumer credit agreements and documentation.”
Legal 500 Bar 2023, Inquests and Inquiries: “Jonathan is the go-to person on matters concerning inquests and inquiries. He knows the law inside-out, and is a leader in the field. He gets to grips with the issues quickly and has the amazing capacity to absorb every detail, no matter how small. His preparation of cases is supremely thorough and you have absolute confidence that when he is on his feet he will not miss a beat.”
Chambers & Partners 2023, Inquests & Public Inquiries: “regularly called upon to handle the most high-profile cases”; “knows the law inside out and you have absolute confidence in his judgment and ability.”
Chambers & Partners 2022, Insurance: “He is excellent, thorough and rigorous in his thinking.” “He is clear and measured in his advice.”
Legal 500 Bar 2022, Insurance and Reinsurance: “Jonathan’s strengths are his considerable intelligence and his fantastically comprehensive written submissions. He also has a very broad practice and can bring experience in different areas to bear on particular disputes. Very assertive when backing his own judgment, radiates confidence and develops trust with clients.”
Chambers & Partners 2022, Professional Negligence: “He has a huge intellect but can also explain things clearly so that lay clients understand them. He is also very commercial. This blend of intelligence and commerciality inspires confidence in clients.” “Consistently excellent”.
Legal 500 Bar 2022, Professional Negligence: “Jonathan exudes confidence, which clients love. Frighteningly intelligent and very considered in everything he does.”
Chambers & Partners 2022, Administrative & Public Law: “Astonishing advocate and a delight to work with.” “He is measured and authoritative in his court style.”
Legal 500 Bar 2022, Administrative & Public Law: “Jonathan has a razor-sharp focus on the key legal as well as practical issues. Jonathan gives you confidence that he is across all of the detail while maintaining focus on the bigger picture for the organisation.”
Chambers & Partners 2022, Inquests & Public Inquiries: “He is a very good tactician and very good in defending his clients’ interests.” “A real star who is very diplomatic but forceful when needed.”
Legal 500 Bar 2022, Inquests and Inquiries: “Supremely intelligent, has impeccable judgment, yet personable and with a human touch. You want him on your team – a calm, authoritative figure who has the respect of his team and the court. Unflappable and sees through problems without hesitation.”
Chambers & Partners 2022, Consumer Law: “Meticulous, incredibly well prepared and wonderful on his feet.”
Legal 500 Bar 2022, Consumer Law: “Tremendously intelligent, responsive and hard working. Knows consumer credit law inside out and had the client’s confidence instantly. He provided great expertise and value to the litigation process and also the parallel ADR effort.”
Summary of Practice
Jonathan has a broad commercial practice, with particular expertise in insurance, professional liability, financial regulation and consumer finance.
In the field of public and administrative law, Jonathan has acted for public and private bodies in numerous judicial review claims of many different kinds. His work in this area includes local government law, commercial/financial regulation, utility regulation and professional discipline.
He is also well known for his work in major inquests and public inquiries. As well as having acted in about 50 reported cases in the Administrative Court and Court of Appeal, he has appeared as counsel to the inquiry in many of the most important inquests. In recent years, he has been leading counsel to the inquiry in the inquests concerning the terror attacks at Fishmongers’ Hall (2021), Streatham Hill (2021), London Bridge (2019) and the Palace of Westminster (2018), as well as in the inquests concerning the Hillsborough Stadium Disaster (2014-16). He was also counsel to the inquiry in the inquests concerning: the death of Diana, Princess of Wales; the shooting of Jean-Charles de Menezes; the Potters Bar rail disaster; the Grayrigg rail disaster; and the explosion on HMS Tireless (nuclear submarine). He has appeared and advised in several public inquiries, including for a major insurer in the Independent Inquiry into Child Sexual Abuse and for Ofgem in the Renewable Heat Incentives Inquiry.
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Jonathan has considerable experience of a wide range of business disputes, from financial and professional services to information technology and cryptocurrencies and to heavy industry. His work in this area overlaps with his practice in insurance, retail finance / financial regulation and professional liability. He is experienced in jurisdictional disputes and claims for urgent interim relief (including freezing orders, anti-suit injunctions and other interim injunctions).
Jonathan’s practice covers insurance and reinsurance of most classes of risk, including general commercial liability (EL/PL/products); professional indemnity; property; business interruption; motor; legal expenses; trade credit; D&O; property title; personal accident/disablement; financial risk/contingency (including major events insurance); cyber risks. He has been involved in a number of major disputes arising from the COVID-19 pandemic.
He regularly advises on and acts in, substantial coverage disputes and in business disputes between insurers, underwriting agencies and reinsurers. He acts for insurers in substantial subrogated actions to recover their outlay. Non-contentious work includes drafting policy wordings and other contractual documents, including binding authority agreements. He is familiar with regulatory obligations of insurers and intermediaries under FSMA 2000 / ICOBS and with advising on the FOS jurisdiction (including judicial review challenges). He also advises professionals on indemnity insurance issues, including notifications and coverage.
He is recommended by Chambers UK, Legal 500 and Who’s Who Legal as a Leading Silk in this field. Comments in the insurance/reinsurance sections of recent editions of the directories include the following:
“Jonathan Hough KC is an excellent insurance and reinsurance silk who skilfully advises domestic and international insurers and brokers on complex, high-value matters.” (Who’s Who Legal UK Bar)
“Jonathan is an excellent silk. He is a joy to work with, attentive and responsive.”; “Jonathan’s written work is flawless and he is excellent on his feet. His advice is precise and to the point.”; “provides fantastic written submissions – he is all over the detail”. (Chambers & Partners 2024)
“Jonathan is an exceptional barrister, fantastically intelligent and providing opinions of the very highest quality. He is great with clients and gracious with it. It is an absolute pleasure to work with Jonathan.” (Legal 500 Bar 2024)
“Jonathan is unbelievably responsive, and the advice he provides is of the highest quality”; “extremely hands-on and is an excellent strategist”; “a rare combination of intellect and business sense.” (Chambers & Partners 2023)
“He is just outstanding. His written work is consistently flawless, combining rigour with practicality. Without ever getting lost in the detail, he provides advice that is always based on deep analysis.” (Legal 500 Bar 2023)
“He is excellent, thorough and rigorous in his thinking.” “He is clear and measured in his advice.” (Chambers & Partners 2022)
“Jonathan’s strengths are his considerable intelligence and his fantastically comprehensive written submissions. He also has a very broad practice and can bring experience in different areas to bear on particular disputes. Very assertive when backing his own judgment, radiates confidence and develops trust with clients.” (Legal 500 Bar 2022)
“He is a very strong and shrewd operator whose pleadings are excellent and judgement is very good.” “He has an excellent manner with clients, he’s very responsive and talks to people at their level.” “His ability to take complex arguments and make something clear and forceful from them is impressive.” (Chambers & Partners 2021)
“Used for the most sensitive and high-profile work. Jonathan is simply outstanding; he is able to grasp huge amounts of detail, and keep a clear view of the key issues and strategy at the same time.” (Legal 500 Bar 2021)
Reported cases in this field include the following:
Jonathan has been heavily involved in advising and representing insurers in relation to disputes arising from the COVID-19 pandemic. He has advised several major UK and international insurers, and a major international broker, on business interruption, travel and event cancellation insurance / reinsurance disputes resulting from restrictions imposed in response to the pandemic.
Other examples of his recent work in the field of insurance and reinsurance include the following:
In addition, Jonathan has acted for major motor insurers in a number of test cases and appeals to the Court of Appeal and House of Lords concerning accident management and credit hire schemes. Reported cases include: Burdis v Livsey [2003] QB 36; Lagden v O’Connor [2004] AC 1067; Thew v Cole [2004] RTR 25; Purushothaman v Malik [2012] RTR 21; Singh v Yaqubi [2013] Lloyd’s Rep IR 398; Opoku v Tintas [2013] EWCA Civ 1299; McBride v UK Insurance [2017] Lloyd’s Rep IR 352; Hussain v EUI Ltd [2020] RTR 7; and and Holt v Allianz Ltd [2023] RTR 28. He also acted for the ABI in proceedings before the OFT and CAT concerning the industry protocol for settlement of credit hire claims. More recently, he advised motor insurers in relation to the CMA investigation into the industry.
Jonathan is ranked by both Legal 500 and Chambers & Partners as a leading silk in the field of professional negligence (as a Tier 1 leading silk in Legal 500). He has been nominated by Legal 500 for Professional Negligence Silk of the Year 2023.
Comments in the most recent editions of the directories include:
“Clients absolutely love him, he is incredibly intelligent and knows the right points to make. His advocacy is also excellent.” (Chambers & Partners 2024, Professional Negligence)
“Jonathan is very easy to work with for solicitors and very clear and reassuring to clients. His written work is clear and precise.” (Legal 500 Bar 2024, Professional Negligence)
“His written work is really good, as are the opinions he produces for clients”; “acts for and against an impressive range of professionals”. (Chambers & Partners 2023, Professional Negligence)
“He has a huge intellect but can also explain things clearly so that lay clients understand them. He is also very commercial. This blend of intelligence and commerciality inspires confidence in clients.” “Consistently excellent”. (Chambers & Partners 2022, Professional Negligence)
“Jonathan exudes confidence, which clients love. Frighteningly intelligent and very considered in everything he does.” (Legal 500 Bar 2022, Professional Negligence)
“He is a brain on a stick – fantastic on insurance coverage, very determined to please you and clients, and very user-friendly.” “He’s just fantastic, really responsive, really ‘on it’ and just brilliant all round. We always know we’ll get very clear advice.” (Chambers & Partners 2021, Professional Negligence)
“Jonathan’s attention to detail is second to none. He can assimilate a huge amount of information in a short period. Jonathan’s drafting is excellent, he always gets the important points and pitches it just right.” (Legal 500 Bar 2021, Professional Negligence)
“A terrific advocate who has a very good courtroom manner and is very robust and persuasive, which goes down well with judges.” “He is approachable, very responsive and extremely bright; he provides sound written advice and was flawless at trial.” (Chambers UK 2020, Professional Negligence)
“A charming, persuasive and polished advocate.” (Legal 500 Bar 2020, Professional Negligence)
He has considerable experience in professional liability claims against a range of different types of professionals, including lawyers, financial services professionals, insurance professionals and surveyors. He also has some experience of acting in litigation against construction professionals. His professional liability cases are featured in The Lawyer Magazine’s Top Cases of 2018 and 2021.
Professional indemnity insurance disputes concerning a wide range of professionals form a significant part of his insurance practice, and he has drafted professional indemnity policy wordings for insurers.
He is an editor of the current edition of Jackson & Powell on Professional Liability, having been an editor for the last several editions.
Jonathan is instructed in relation to disputes concerning a wide range of financial professionals (including IFAs, pension providers, SIPP providers, fund managers, financial risk insurers). He is very familiar with the statutory and regulatory framework established under FSMA 2000 and with numerous products and types of claims. He has experience in various forms of tax mitigation schemes (e.g. film schemes, enterprise zone schemes, tech schemes and charity shell schemes). He regularly advises PI insurers of financial professionals on coverage and liability.
Recent and reported cases in this field include the following:
Jonathan acts for policyholders, brokers and insurers in disputes over the adequacy of cover arranged by brokers, advice given on insurance programmes and notifications of claims. He also acts in disputes between underwriting agents/coverholders and their capacity providers. His work in this field often overlaps with his general insurance/reinsurance practice, in which he is ranked as a leading silk. He is experienced in a wide range of classes of risk and is very familiar with the regulatory framework governing insurance intermediaries.
Recent and reported cases in this field include the following:
Jonathan has considerable experience in professional liability claims against solicitors and barristers arising in a variety of professional contexts including, for example, lost litigation, conveyancing (including lender claims), commercial drafting. He also regularly advises on lawyers’ indemnity insurance, including notifications of circumstances and claims and on policy coverage.
Recent and reported cases in this field include the following:
Jonathan has experience of advising and acting in claims against surveyors and valuers concerning domestic and residential property, including property portfolios. His work in this area has included disputes concerning the accuracy of valuations and the reliability of surveys. He is familiar with surveyors’ professional indemnity insurance and issues arising with insurers, such as late notification, allegations of dishonesty and aggregation of claims.
Jonathan is ranked by Chambers UK and the Legal 500 as a Leading Silk both for public law and for public inquiries/inquests. He was shortlisted by Legal 500 for Public Law Silk of the Year 2018. For inquiries and inquests, he is ranked as a Star Individual by Chambers UK and as a Tier 1 Leading Silk by Legal 500.
He has a wide range of experience in public and administrative law, advising and acting for public bodies, companies and private individuals in judicial review claims. His public law experience extends to matters of local government finance, energy regulation, transport regulation, illegal trading, financial and professional regulation. He has almost unrivalled experience and expertise in the law relating to inquests and public inquiries. He has appeared in a large number of important inquests and inquiries, both as counsel to the inquiry and as counsel for interested persons/core participants. He is an editor of Jervis on Coroners (14th ed.), has acted for every holder of the office of Chief Coroner and has been credited with contributions to multiple Chief Coroner Guidance documents.
Comments in recent editions of the directories include the following:
“He is the person you don’t want to be against because he is so good.”; “Jonathan has great tactical judgment and client handling skills”. (Chambers UK 2024, Administrative & Public Law)
“Jonathan Hough KC is widely commended for his phenomenally deep knowledge of coronial law”; “regularly called upon to handle the most high-profile cases”. (Chambers UK 2024, Inquests & Inquiries)
“Jonathan is completely unflappable. He is extremely user-friendly and a rare combination of robustness and empathy. He has an incredible eye for detail and leaves no stone unturned for clients.” (Legal 500 Bar 2024, Administrative & Public Law)
“Jonathan has a laser-like focus on every aspect of the case. He is tremendously easy to work with, combining a formidable intellect with tactical nous and approachability. On his feet he commands the room, and the ear of the judge, with a calm and measured gravitas.” (Legal 500 Bar 2024, Inquests and Inquiries)
“He is measured and authoritative in his advocacy and meticulous in his preparation. When he speaks, he has the confidence of the court. He is a hugely reassuring presence to have in your corner.” (Legal 500 Bar 2023, Administrative & Public Law)
“Jonathan is the go-to person on matters concerning inquests and inquiries. He knows the law inside-out, and is a leader in the field. He gets to grips with the issues quickly and has the amazing capacity to absorb every detail, no matter how small. His preparation of cases is supremely thorough and you have absolute confidence that when he is on his feet he will not miss a beat.” (Legal 500 Bar 2023, Inquests and Inquiries)
“Renowned for his knowledge of public law and human rights issues that overlap with coronial law.” (Chambers UK 2023, Administrative & Public Law)
“Widely commended for his phenomenally deep knowledge of coronial law”; “regularly called upon to handle the most high-profile cases”; “knows the law inside out and you have absolute confidence in his judgment and ability.” (Chambers UK 2023, Inquests & Inquiries)
“Astonishing advocate and a delight to work with.” “He is measured and authoritative in his court style.” (Chambers UK 2022, Administrative & Public Law)
“He is a very good tactician and very good in defending his clients’ interests.” “A real star who is very diplomatic but forceful when needed.” (Chambers UK 2022, Inquests & Public Inquiries)
“Jonathan has a razor-sharp focus on the key legal as well as practical issues. Jonathan gives you confidence that he is across all of the detail while maintaining focus on the bigger picture for the organization.” (Legal 500 UK Bar 2022, Administrative and Public Law)
“Supremely intelligent, has impeccable judgment, yet personable and with a human touch. You want him on your team – a calm, authoritative figure who has the respect of his team and the court. Unflappable and sees through problems without hesitation.” (Legal 500 UK Bar 2022, Inquests and Inquiries)
Recent and ongoing public law cases include the following:
Overall, Jonathan has appeared in about 50 reported judicial and statutory review cases in the Administrative Court and Court of Appeal. He appeared for the successful intervener insurers in Wilson v First County Trust [2004] AC 816, the leading case on the compatibility of domestic consumer credit law with the ECHR. He also appeared in the case which decided that domestic criminal law of self-defence is compatible with Article 2 of the ECHR: R (Bennett) v HM Coroner for Inner South London [2006] HRLR 22.
Recent public inquiry and major inquest work includes the following:
Jonathan also acted as counsel to the inquiry in the inquests concerning: the death of Princess Diana (Lord Justice Scott Baker); the shooting of Jean-Charles de Menezes (Sir Michael Wright); the Potters Bar Rail Disaster (HH Judge Baker KC): the Grayrigg derailment; the explosion on HMS Tireless (nuclear submarine); and the death of PC Ian Terry in police firearms training. He appeared for the MOD in the Bloody Sunday Inquiry.
Jonathan has special expertise in consumer credit law and has appeared in a number of important reported cases (in the Court of Appeal and House of Lords) in this field. He regularly advises on consumer credit agreements and credit schemes in various commercial contexts.
He is ranked by both the main legal directories in this field: by Chambers UK in consumer law and by Legal 500 in banking and finance (including consumer credit). He was nominated by Legal 500 for Group Litigation and Consumer Law Silk of the Year 2022.
Recent comments in the directories include the following:
“Jonathan Hough KC of 4 New Square Chambers is an excellent silk, well known for his work on consumer finance law. He regularly advises on financial mis-selling, unfair relationship matters, consumer credit agreements and credit schemes.” (Chambers UK 2024, Consumer Finance)
“He’s practical, precise and good with understanding the broader context.” (Legal 500 UK Bar 2024, Banking and Finance)
“Well versed in consumer credit matters”; “an expert on consumer credit agreements and documentation.” (Chambers UK 2023, Consumer Law)
“He is just outstanding.” (Legal 500 UK Bar 2023, Consumer Law)
“Meticulous, incredibly well prepared and wonderful on his feet.” (Chambers UK 2022, Consumer Law)
“Tremendously intelligent, responsive and hard-working. Knows consumer credit law inside out and had the client’s confidence instantly. He provided great expertise and value to the litigation process and also the parallel ADR effort.” (Legal 500 UK Bar 2022, Consumer Law)
“He is top-notch, has impressive legal acumen and is a strong advocate.” “His strengths are his depth of knowledge and his clarity of thought and explanation.” (Chambers UK 2021, Consumer Law)
“His advice is always clear, concise and commercial. A good communicator. Always prompt with his advice.” (Legal 500 UK Bar 2021, Consumer Law)
Recent work and reported cases in this area include:
In addition, Jonathan has acted in most of the appellate cases in relation to credit hire litigation, which has shaped aspects of consumer law, over the last 25 years. Over the same period, he has regularly given strategic advice to the motor insurance industry and to major accident management companies in the UK and overseas. He has appeared in proceedings before the OFT and CAT, and has advised insurers in relation to the CMA Market Investigation into private motor insurance. His principal cases in this area include the following: Burdis v Livsey [2003] QB 36 (CA); Lagden v O’Connor [2004] AC 1067 (HL); Thew v Cole [2004] RTR 25 (CA); Bee v Jenson [2007] RTR 9 (Comm Ct), [2007] RTR 32 (Comm Ct) and [2007] 4 All ER 791 (CA); Purushothaman v Malik [2012] RTR 21 (CA); Singh v Yaqubi [2013] Lloyd’s Rep IR 398 (CA); Opoku v Tintas [2013] EWCA Civ 1299 (CA); McBride v UK Insurance / Clayton v EUI [2017] Lloyd’s Rep IR 352 (CA); EUI v Charles [2018] 9 WLUK 269; Hussain v EUI Ltd [2020] RTR 7; Holt v Allianz Ltd [2023] RTR 28.
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Jonathan is a member of the Professional Negligence Bar Association, the London Common Law and Commercial Bar Association, COMBAR and the Administrative Law Bar Association. He is an editor of the current edition of Jackson & Powell on Professional Liability.
Education
St Hugh’s College, Oxford University (First Class in Classics); City University CPE (Commendation); Inns of Court School of Law (Outstanding); Queen Mother major scholarships for CPE and Bar School.
4 New Square
Lincoln's Inn
London, WC2A 3RJ
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