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Public Adjuster Contract for the United Kingdom

Public Adjuster Contract Template for England and Wales

A Public Adjuster Contract is a legally binding agreement under England and Wales law that establishes the terms and conditions under which a licensed public adjuster will represent a policyholder in negotiating insurance claims. The contract outlines the scope of services, fee structure, responsibilities, and obligations of both parties, ensuring compliance with UK financial services regulations and insurance laws. It includes provisions for data protection, confidentiality, and professional standards of service.

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What is a Public Adjuster Contract?

The Public Adjuster Contract serves as the foundational document for establishing a professional relationship between a licensed public adjuster and their client in England and Wales. This contract is essential when policyholders require expert assistance in evaluating and negotiating insurance claims, particularly in complex cases involving significant losses. The agreement details the adjuster's authority to act on behalf of the policyholder, compensation arrangements, and compliance with UK regulatory requirements, including FCA regulations and data protection laws.

What sections should be included in a Public Adjuster Contract?

1. Parties: Identification and details of the public adjuster and client

2. Background: Context of the agreement and brief description of services

3. Definitions: Key terms used throughout the agreement including regulatory references

4. Scope of Services: Detailed description of adjuster services and obligations under FSMA and Insurance Act requirements

5. Appointment and Authority: Terms of appointment and extent of adjuster's authority to act on behalf of the client

6. Fees and Payment Terms: Compensation structure, payment conditions, and transparency requirements under FCA rules

7. Duties and Responsibilities: Specific obligations of both parties including regulatory compliance requirements

8. Term and Termination: Duration of agreement and termination provisions including cooling-off periods if applicable

9. Confidentiality: Protection of sensitive information and trade secrets

10. Data Protection: GDPR compliance and data handling procedures under Data Protection Act 2018

11. Professional Indemnity: Insurance requirements and liability provisions

12. Dispute Resolution: Procedures for handling disputes including FCA complaint procedures

13. General Provisions: Standard boilerplate clauses including governing law and jurisdiction

What sections are optional to include in a Public Adjuster Contract?

1. Consumer Rights: Additional protections required under Consumer Rights Act 2015 and Consumer Insurance Act 2012 when client is a consumer

2. International Services: Additional provisions for cross-border services and international claims handling

3. Anti-Money Laundering: Specific provisions related to AML compliance under Money Laundering Regulations 2017

4. Third Party Rights: Provisions under Contracts (Rights of Third Parties) Act 1999 if applicable

What schedules should be included in a Public Adjuster Contract?

1. Schedule 1 - Fee Structure: Detailed breakdown of fees, charges, and commission structures

2. Schedule 2 - Service Level Agreement: Specific performance metrics, response times, and service standards

3. Schedule 3 - Data Processing Agreement: Detailed GDPR compliance procedures and data protection obligations

4. Schedule 4 - Professional Qualifications: Certificates, credentials, and regulatory authorizations of the adjuster

5. Schedule 5 - Claims Handling Procedures: Detailed procedures for claims assessment and negotiation

6. Appendix A - Regulatory Disclosures: Required FCA disclosures and regulatory statements

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok成人版 | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents

Jurisdiction

England and Wales

Document Type

Insurance Contract

Cost

Free to use

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Public Adjuster Contract

A legally binding agreement under England and Wales law establishing terms for public adjuster services in insurance claim representation.

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