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Richard Sage

Call 2006

“Very hardworking and will dedicate himself to a case. He is always available to provide a guiding hand and his advice is invaluable.”
(Legal 500, 2021)

Insurance & Reinsurance

Richard has wide experience in insurance disputes, acting for and against insurers and brokers. Richard’s work includes coverage disputes, as well as claims arising out of allegations of misrepresentation, non-disclosure, breach of warranty, and fraud. In addition, Richard frequently acts in professional negligence claims against insurance brokers arising out of (alleged) deficiencies in insurance cover. Richard is recommended in the Legal 500 for his work in insurance and reinsurance.

Selected Cases

  • Acted (led by Ben Quiney QC) in construction defects insurance dispute arising from various warranties provided on a multi-million euro asset purchase.
  • Acting for insurers following fire at residential property, allegedly due to arson by insured.
  • Acted for insurance brokers in substantial professional negligence claim arising out of alleged non-disclosure of pending criminal charges.
  • Acted for reinsurance brokers in claim arising out of non-payment of commission.
  • Acted for insurance brokers in claim by property owners arising out of absence of flood insurance.
  • Acted for insurers in coverage dispute re extent of indemnity under latent defects policy.
  • Acting for insurers in coverage dispute arising out of non-disclosure of prior claims or circumstances relating to tax-liability insurance schemes.
  • Acting for insurers in coverage dispute arising out of failure to notify insurers of potential claims prior to the inception of the policy, and breach of basis of contract clause.
  • Acting for insurers in a motor insurance dispute where insurers have avoided a policy for material non-disclosure and misrepresentation when completing on-line questionnaire.
  • Acted for defendant insurers in a TCC claim for an indemnity following the negligent design and construction of underpinning to their premises. The insurers successfully argued that the policy was void for material non-disclosure (2010-11).
  • Advising insured over potential claim against home insurers arising out of defective reinstatement works.
  • Genesis Housing Association v Liberty Syndicate Management Ltd [2013] EWCA Civ 1173; [2013] Bus. L.R. 1399; [2013] B.L.R. 565; 151 Con. L.R. 81; [2013] C.I.L.L. 3417; [2013] 42 E.G. 124 (C.S.) – Acted for insurers in c.£460,000 claim for indemnity following the insolvency of the main contractor in large residential building project. Case involved breach of “basis of contract” clause, interpretation of insurance contracts, material non-disclosure, and lack of insurable interest.
  • Liberty Syndicate Management Ltd v Campagna Ltd [2011] EWHC 209 (TCC); (2011) 27 Const LJ 275; [2011] All ER (D) 62 – Acted (led by Ben Quiney QC) in a claim by latent defects insurers against technical auditors. Acting for insurers in two high-value claims against claims handling agents for negligence / breach of contract in failing to manage claims properly leading to higher settlement terms.
  • Mohammed Ashfaq v International Insurance Company of Hannover Plc [2017] EWCA Civ 327; [2018] Lloyd’s Rep. I.R. 228; [2017] H.L.R. 29  – Acting for insurers in claim following fire at residential property. Policy voided for material non-disclosure, breach of warranty and fraud.
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  • Arbitration Club Phillip Ranner Prize
  • Kings College Construction Law Association Prize
  • Lord Mansfield Scholar (BVC), Lincoln’s Inn
  • Lord Haldane Scholar (CPE), Lincoln’s Inn




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  • BA History (First Class), Oxford University
  • CPE (Distinction), City University
  • BVC (Very Competent), BPP University
  • MSc Construction Law & Dispute Resolution (Distinction)


  • Technology and Construction Court Bar Association (TECBAR)
  • Society of Construction Law
  • Adjudication Society
  • Young International Arbitration Group
  • Professional Negligence Bar Association
  • Commercial Bar Association (COMBAR)
  • London Common Law and Commercial Bar Association (LCLCBA)


“He advises his clients with great skill and sensitivity and he’s an excellent team player and a brilliant advocate.”

Chambers & Partners, 2022

“Richard is a class act and very knowledgeable. His key strengths from an international perspective are his ability to work as part of a team and his excellent tactical acumen. His advice is clear, concise, and commercially-minded.”

Legal 500, 2022

“His attention to detail is very good and he always thinks through to the end game. He is thoroughly easy to deal with, very approachable and very good with clients.”

Chambers & Partners, 2022

“Richard’s technical expertise is first rate, but his true strength is his ability to communicate complex technical legal issues in a manner which is readily understandable by the lay clients.”

Legal 500, 2021

“A very responsive and thorough purveyor of sound, measured analysis. He is also very easy to deal with.”

Chambers & Partners, 2021

“Very hardworking and will dedicate himself to a case. He is always available to provide a guiding hand and his advice is invaluable.”

Legal 500, 2021

“His quiet confidence belies a sharp, keen mind and a steady, measured determination and focus that make him an incredibly reassuring and competent advocate to work with.”

Legal 500, 2021

“He is tactically astute, responds quickly and has excellent drafting skills.”

Legal 500, 2021

“He is exceptional and very highly regarded.”

Legal 500, 2020

“He is sharp and focused and has an unassuming brilliance.”

Legal 500, 2020

“He is very collaborative in his approach.”

Legal 500, 2020

“Extremely sensible and a really good, safe pair of hands.”

Chambers & Partners, 2020

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