Viran Ram

Full Profile

Having joined the Property and Liability team in London as a Senior Associate, Viran set up the Property and Liability team in Oxford in 2014, which he managed until 2020.  Viran now splits his time between our London and Manchester offices where he runs a team of associates specialising in UK property, public and product liability risks.

Viran and his team specialise in providing coverage advice to insurers whether in respect of first party property claims or third party liability claims. Viran appreciates that complex coverage issues can arise on claims of any value and having a regional presence means that coverage advice can be provided in proportion to the value of the claim.

In addition, Viran and his team handle liability defence claims in respect of property damage, predominantly under product and public liability policies. Viran’s practice focusses on UK based SME’s across a range of sectors including, construction, agriculture, manufacturing and hospitality.

Viran also runs a number of successful subrogated recovery schemes for insurers, utilising flexible fee arrangements to maximise the value of recoveries. The schemes include High Net Worth accounts as well as large corporate risks and they frequently involve close collaboration with the Insured customer and require exemplary customer service.

Experience

• Advising numerous insurers on their exposure to Business Interruption claims arising out of the Covid-19 pandemic. This has included advising on the claims handling requirements set out by the Financial Conduct Authority.
• Defending a global healthcare product provider in respect of a multi-million pound claim by a Main Contractor for the supply of defective products in the refurbishment of a hospital under a PPP contract.
• Leading a successful recovery of over £3.5 million pounds following a fire at a Supermarket distribution centre.
• Acting for insurers on the defence of a £1m fire claim at a national museum site resulting in no indemnity or costs being paid to the two claimants.
• Advising insurers on environmental liability issues following the contamination of farmland with asbestos.
• Providing coverage advice following the recall of 65,000 electrical meters due to the supply of an incorrect component part.
• Making a successful recovery against building contractors following a fire at the Insured’s City of London office premises.
• Defending a commercial farming operation from a claim over contamination of a grain crop involving multiple claimants.
• Successfully recovering over £1m from a utility provider following a fire at the home of a HNW individual.