The Claims Process
Our experienced claims team handles all aspects of the claims process in a prompt and efficient way. All Members receive:

  • Claims service plan

  • Claims guidelines

  • Emergency out-of-hours contact details

  • Electronic access to their claims timeline

Injury Claims

For Employers’ Liability and Public Liability (Injury) claims, UMAL is a registered compensator and specialist defence solicitor administers these claims on our behalf. All claims are acknowledged within the necessary timeframe, or within 24 hours where reported directly to UMAL. Any subsequent investigation and direct handling with solicitors and claimants is undertaken by Plexus Law.

Professional Indemnity Claims

All claims are reviewed and acknowledged within 24 hours. We instruct specialist defence solicitors to liaise with the Member, or work with them for a direct response to the claim. We also provide an initial liability assessment and regular updates.

Travel & Group Personal Accident

We handle all claims internally, with specialist international emergency assistance where required.


We actively progress potential recovery or contribution from third-parties on applicable claims, including the Members’ own deductibles.

Non Mutual Claims

With claims from HMSL cover categories – Motor, Legal Expenses, etc – Members’ interests are best served by dealing directly with Insurers. We will provide full contact details and maintain consultation between the insurer and Member.


We have claims data on all lines of business going back to 1992, and are able to look at trends in frequency, severity, cycle times and causation. We can provide this information to our Members on a benchmarking basis.