Bernadette graduated in law and French. Following qualification in 1988, she worked alongside Bill Perry and Stephen Carter within the insurance team at Charles Russell. Whilst with Charles Russell, Bernadette spent a period seconded to NPA Insurance Limited, a specialist pharmacy insurer. While at NPA Insurance, Bernadette undertook a number of activities on behalf of the insurance business, including in-house claims administration, delegated claims handling authorities, portfolio acquisition by Part VII transfer of business, policy drafting, reinsurance arrangements, regulation, compliance and other commercial matters such as intellectual property rights.
In 2009, Bernadette co-founded Carter Perry Bailey with Stephen Carter and Bill Perry.
Litigation and Arbitration
Bernadette represents both domestic and international clients in insurance and reinsurance litigation and arbitration. In direct insurance, this has ranged from representing overseas insurers in defence and coverage issues involving the UK interests of their insureds’ businesses, to handling coverage matters for pharmacy insurers. She is also involved in issues arising from the wide-ranging insurance requirements of public authorities.
Bernadette represents brokers in disputes arising from their businesses (for example, under Coverholder Agreements or Permission-Sharing Agreements) at both the domestic and international level.
Bernadette has also represented insureds and reinsurers in facultative treaty disputes and was one of our successful team in the leading reinsurance case, AGF & WASA v Lexington, in the House of Lords.
Commercial and Regulatory
Bernadette advises brokers in particular on both contentious and non-contentious regulatory issues, ranging from the treatment of funds in IBAs through to pensions issues and regulatory authorisations. She has advised on the drafting of insurance and reinsurance policies and contracts, as well as other (re)insurance documentation, such as commutation agreements, claims protocols and agreements with service providers.
Bernadette also advises public authorities and not-for-profit organisations on their insurance requirements and on insurances that they provide for members.