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Retaining outside defence counsel is one of the most consequential decisions an adjuster makes on a file. The right lawyer keeps costs controlled, strategy clear, and reporting consistent. The wrong one creates the opposite. Here's what to look for. Direct access to senior counsel At larger firms, files are frequently staffed by junior associates under loose supervision. The lawyer you retain is often not the lawyer doing the work. For insurance defence files — where strategy

One of the biggest challenges in litigation is balancing cost control with effective defence. Not every file requires every step. Strategic decisions —such as whether to retain experts, bring applications, or proceed to trial—should always be grounded in proportionality and the value of the claim. Clear litigation budgets and defined phases of work are key . They allow clients to anticipate costs, evaluate risk, and make informed decisions throughout the life of the file. At

Strong defence counsel do more than respond to claims—they actively manage risk . Insurers should expect timely communication, early assessments, and proactive reporting at every stage of a file. Delays, unclear advice, and reactive strategies can significantly impact both cost and outcome. Effective defence also requires an understanding of how insurers operate: reserve setting, reporting timelines, and the need for clear, actionable recommendations. At Wingenbach Law , our

In any liability claim, the most important decisions are often made at the very beginning. An early liability and exposure assessmen t allows insurers and corporate clients to set appropriate reserves, identify risk, and determine strategy before costs escalate . Without this early analysis, files can drift—leading to unnecessary steps, increased legal spend, and missed opportunities for resolution. At Wingenbach Law, we focus on providing clear, practical assessments at the