The Law Society of Scotland has appointed Lockton as the insurance broker responsible for placing and administering its Master Policy. We’re your direct point of contact for anything related to the Master Policy, including claims, practice changes, and general enquiries.
Tailored Insurance Solutions for Scottish Solicitors
The Law Society of Scotland has appointed Lockton as the insurance broker responsible for placing and administering its Master Policy. We’re your direct point of contact for anything related to the Master Policy, including claims, practice changes, and general enquiries. Your Master Policy Professional Indemnity Insurance secures your professional reputation, providing peace of mind for you and your clients. Whether you’re starting your own practice, discussing changes, or querying your cover, you can call on us for help. We negotiate with specialist insurers annually to ensure competitive terms and administer renewals per the Law Society’s standards. The Lockton Client Portal offers an efficient, user-friendly renewal process.
Enhance Your Coverage with Top-Up Insurance
Many Scottish legal practices find the compulsory £2m indemnity limit of the Master Policy insufficient. Arranging 'top-up' insurance with the same broker simplifies the process and reduces the risk of issues when notifying a claim. Lockton offers a comprehensive range of insurance products to protect your practice, partners, and clients from operational, regulatory, and circumstantial risks. Beyond insurance, you need a partner to help manage risk effectively and reduce overall costs. Lockton advises on best practices, identifies claims trends, and highlights emerging risks.
Resource Centre
Our Resource Centre is available to all Scottish legal practices and contains a wealth of professional support materials, including articles, templates, interactive guides, and online CPD modules.
Resource CentreYour interactive guide to the Master Policy
Explore the key aspects of your Professional Indemnity Insurance with our interactive guide. Navigate through each section to understand how your Master Policy safeguards your practice and supports your professional journey
Our services
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
Master Policy Renewal
Guidance on What Insurance New Practices Need
Assistance for Firms Ceasing to Practice
Claims Intimation Service
Risk Management Training
Professional Indemnity Excess Layers
Commercial Crime Insurance
Office Insurances
Cyber Liability Insurance
Management Liability Insurance
What we bring to your business
- Direct access to our dedicated expert team of qualified solicitors and insurance brokers
- A streamlined online renewal process
- Risk management support, tailored training and free access to our knowledge library
- Access to competitively priced insurance products designed to compliment the cover provided by your Master Policy
- Detailed knowledge of Master Policy terms and conditions and how these interact with risk management and practice changes
Meet our LSOS team
Lorraine Boyle
Partner
lorraine.boyle@lockton.com
+44 13 1345 5552
Jennifer Cummings
Client Executive
Jennifer.Cummings@lockton.com
+44 13 1345 5561
Mark Gray
Client/Claims Director
mark.gray@lockton.com
+44 13 1345 5557
Matthew Thomson
Client Executive
matthew.thomson@lockton.com
+44 77 0918 9572
Anna Forsyth
Risk Management Associate
anna.forsyth@lockton.com
+44 13 1345 5575
Kayleigh Moon
PA/Account Administrator
Kayleigh.Moon@lockton.com
+44 13 1345 5580
Get in touch
LSOS FAQs
Master Policy Premium: If I make changes to my practice, will any additional premium/premium reduction be due?
For the majority of practice changes (eg - the assumption of a new partner, the retiral of a partner, the opening of a new office) there will be no mid-term premium adjustments.
Where you have given a 'Criminal Court Undertaking' and that is revoked during the course of the Insurance Year, there WOULD be an additional premium payable - on a pro-rata basis.
Similarly, in case of a merger, de-merger or closure, there may be mid-term premium implications. You should contact us at the earliest opportunity to discuss your particular circumstances in more detail.
Claims: What can I do if I disagree with a claim reserve set by insurers?
You should let us know, as broker to the Master Policy, of any concerns you have regarding any claim reserves. Thereafter, you can either liaise directly with the relevant insurer or through Lockton if you prefer.
If the matter is not resolved, there is provision for arbitration. If your dispute relates to a reserve that was used to calculate your Master Policy premium for the current Insurance Year, you should note that there a time limit for invoking arbitration - currently 31st December immediately following the relevant Master Policy renewal.
Please note - there is a 'snap shot' taken of the claims position for each firm as at 1st June each year, which is used as the basis for determining any premium discounts or loadings as may apply.
Claims: How will my Master Policy premium be impacted by a new claim intimation?
Intimating a claim does not necessarily have any impact on your premium, and, for the avoidance of doubt, it will never cause you to have to pay an additional premium mid-term.
Your premium is calculated in accordance with the Rates & Rating Rules, as summarised in our Master Policy Guide. A 'snapshot' of the claims position is taken as at 1st June prior to renewal.
Only notifications which are actual claims (rather than precautionary circumstances) and have a positive amount either paid or reserved, as at 1st June, will impact on your premium.
Claims: Must I intimate all potential claims, even if they will be settled within my self-insured amount
Yes. It is a requirement of your Master Policy certificate that you notify all claims/potential claims (via Lockton) "regardless of any Self-Insured Amount".
Notifying all such matters promptly not only protects you, in the event that the claim becomes more costly that you envisaged, it also means that the intimation 'falls off' your 5 year record earlier.
Precautionary notifications, and claims with a zero reserve, have no impact on your Practice's loss ratio (and therefore do not negatively impact on your premium) so we would always encourage firms to intimate matters early
Where can I find a copy of my policy documents and Lockton's Terms of Business?
If you are a Principal in an existing legal practice covered by the Master Policy, you will have a copy of the Schedule of Insurance for your firm's Master Policy cover saved on your secure Lockton client portal. We will have sent details of this to our principal insurance contact at your firm.
You can download a copy of the full Master Policy wording from the logged-in pages of our website. If you do not already have a log-in, contact us, and subject to some checks, we can set you up with log-in details.
Lockton is the sole broker, appointed by the Law Society of Scotland, to place and administer the Master Policy on your behalf. We are paid for this on a fee basis - details of which are set out in the Master Policy Rates & Rating-factor Rules, and our Terms of Business. Our Terms of Business also govern any other insurances or services that we provide you with.
We're here to help
We bring creative thinking and an entrepreneurial spirit to the insurance business, and we’re uniquely well positioned to help you your business thrive. Call 0131 345 5599, or email masterpolicyteam@uk.lockton.com
Talk to our team