Firms To Watch: Insurance

Based in Auckland, specialist maritime law and insurance firm McElroys covers public and general liability, cyber risks, professional indemnity, D&O issues, statutory liability and property insurance matters.

Insurance in New Zealand

Bell Gully

Bell Gully has a strong track record in insurance-related M&A transactions, acting for a range of market-leading entities on big-ticket acquisitions and financing deals, among others. The practice continues to undertake a substantial number of insurance claims, engaged by the likes of Southern Response Earthquake Services Limited, Resolution Life Group Holdings and Vero Insurance New Zealand, to name a few. Following the departure of Simon Ladd to Shortland Chambers in December 2021, ‘rational thinkerDavid Friar - who advises on cutting-edge insurance cases and corporate claims - jointly leads the practice alongside Glenn Joblin, who regularly acts for insurers on transactional work, in addition to regulatory and general corporate matters. Both team members operate from the firm’s office in Auckland.

Practice head(s):

David Friar; Glenn Joblin


‘Good team with strong knowledge and understanding of insurance principles and policy applications.’

‘David Friar is a rational thinker, friendly and easy to work with. Works extremely well with joint counsel, is supportive of his team and encourages growth.’

Key clients

AIA New Zealand Limited

Resolution Life Group Holdings Limited

Cigna Life Insurance NZ Limited

Fidelity Life Assurance Company Limited

IAG New Zealand Limited

Insurance Council of New Zealand

Medical Assurance Society NZ Limited

Southern Cross Medical Care Society

Southern Response Earthquake Services Limited

Vero Insurance New Zealand Limited

Work highlights

  • Acting for The Fletcher Construction Company Limited (FCC) in relation to a fire that began at the New Zealand International Conference Centre (NZICC) on 22 October 2019.
  • Advised Fidelity Life on its agreement to acquire Westpac Group’s New Zealand life insurance business and its associated equity funding arrangements.
  • Issued proceedings in the High Court at Auckland on behalf of Stride Property Limited on its material damage claim relating to a combined cinema and 300-space car parking complex in the Queensgate Shopping Centre in Lower Hutt, which was damaged in the Kaikōura earthquake in November 2016.

Duncan Cotterill

With offices in Auckland, Wellington, Nelson, Christchurch and Queenstown, Duncan Cotterill has a well-established insurance practice, widely recognised for its capability in large-scale insurance claims and disputes. Matters concerning professional indemnity, cyber liability, material damage, employment liability and contractual issues feature prominently in its caseload, while the team continues to develop its capabilities advising insurance companies on business-critical mandates. Wellington-based Jonathan Scragg is noted for his expertise in professional indemnity insurance work; Duncan McGill focuses on professional liability claims; and Paul Smith handles subrogated recovery claims and defence litigation for various leading insurers. Other key members of the team include Rob Coltman, who advises on professional risk claims, Wellington-based Aaron Sherriff, and Christchurch-based Chris Shannon. All mentioned partners are based in the firm’s Auckland office, unless stated otherwise.

Practice head(s):

Jonathan Scragg; Duncan McGill; Paul Smith; Rob Coltman; Aaron Sherriff; Chris Shannon


‘I have been working with DC for over ten years and I always get the same excellent level of service from partners through to associates.’

‘Duncan McGill is my key contact. Always willing to answer the phone and help my clients.’

‘Equal measure of competence and friendliness.’

Key clients






State Insurance



Crombie Lockwood



Vero Liability

Partners Life


NZI Liability

Berkshire Hathaway

FMG Insurance

Medical Assurance Society

Insurance Council of New Zealand



Work highlights

  • Advised a charitable trust delivering assisted living and mental health support services in the community, after they were charged with a breach of the Health and Safety at Work Act 2015 following one of the client’s service users suicide.
  • Acted for an architectural firm in a defective building claim in which the plaintiff building owners sued the client and other construction related professionals and the local authority for the costs relating to the remediation of the building.
  • Defended Blackadder Racing in the District Court for a Health and Safety issue following an investigation by WorkSafe from an incident involving a trainee jockey.

Fee Langstone

Specialist insurance and commercial litigation firm Fee Langstone ‘has a great depth of knowledge’, a ‘solid grasp of New Zealand insurance matters’ and ‘long-standing relationships with insurers’, both domestic and overseas. Praised as a ‘true superstar’, Philippa Fee has demonstrable experience in negligence claims and disciplinary complaints, in addition to professional indemnity, product liability, D&O and statutory liability policies. Fee jointly leads the practice alongside Craig Langstone, who has appeared before the High Court, Court of Appeal and New Zealand’s Supreme Court, and is noted for his expertise in earthquake litigation. Pauline Davies is ‘extremely knowledgeable’ in maritime and aviation insurance law, while Cecily Brick provides a ‘offers KC-level performance’ and Virginia Wethey is praised for her ability to ‘tackle a wide range of complex claims’. Other key members of the team include Matthew AtkinsonRussell Stewart and special counsel Bradley Alcorn. All named practitioners are based in the firm’s Auckland office.

Practice head(s):

Philippa Fee; Craig Langstone

Other key lawyers:

Pauline Davies; Cecily Brick; Matthew Atkinson; Virginia Wethey; Russell Stewart; Bradley Alcorn


‘Philippa Fee is the standout partner. Very commercially astute.’

‘Fee Langstone has a great depth of knowledge. Their team provides excellent technical advice, in respect of coverage issues, and a pragmatic and commercial approach to resolving claims.’

‘Solid grasp of New Zealand insurance matters.’

‘The Fee Langstone team have genuine, long-standing relationships with insurers.’

‘Philippa Fee is a true superstar when it comes to insurance.

‘Pauline Davies is always available and extrmely knowledgeable.’

‘Virginia Wethey is a highly capable insurance lawyer who can tackle a wide range of complex claims.’

‘Cecily Brick offers KC-level performance. She constantly looks to add points of value, communicates brilliantly, keeps the focus properly directed and is calm and confident under pressure.’

Key clients



AIG Australia

AIG Europe (UK) Ltd

AIG Speciality Claims Australasia

Allianz New Zealand

Allianz Australia Ltd

Ando Insurance Group Ltd

Antares Managing Agency Ltd

Argo Managing Agency Ltd

AXA Climate

Berkshire Hathaway Speciality Insurance

Chaucer Syndicates Ltd

Chubb Insurance NZ

Cloud Collections Ltd

Club Marine Ltd

Crombie Lockwood

Delta Insurance

FMG Insurance

General Reinsurance Corporation


Lloyds of London

Manchester Underwriting Management Ltd


Newline Syndicate 1218

NZI & NZI Marine

NZ Underwriting Agencies Ltd

QBE European Operations

QBE Insurance (Australia) Ltd

QBE Smartpak

RedSky Insurance

Southern Cross Benefits Ltd

Steadfast Group

Tokio Marine & Nichido

Vero Insurance (New Zealand) / Suncorp

Zurich New Zealand

Work highlights

  • Acting for QBE Insurance (Australia) Ltd in respect of a claim brought by Body Corporate 423090 following earthquake damage sustained to the Body Corp’s building in Christchurch known as Pacific Tower.
  • Acted for the three co-insurers (AIG, Vero, NZI) of a marine cargo policy issued in respect of used cars being imported into New Zealand from Japan.
  • Acting for Vero Insurance (Suncorp Group) in a proceeding concerning earthquake damage to a group of industrial and commercial buildings which is scheduled for a 3-week trial in July 2022.

Wotton + Kearney

Wotton + Kearney, which ‘brings together the biggest collection of insurance specialists in New Zealand‘, has further bolstered its ‘depth of talent’ with a series of hires from DLA Piper New Zealand in February 2022: Peter Leman; ‘excellent litigatorCaroline Laband; and Misha Heneghan, whose client service is praised as ‘second-to-none’. The team acts for global and London market insurers, as well as local brokers and corporate insureds, on matters concerning general liability, financial lines (including D&O and professional indemnity), property and MDBI claims, cyber/privacy claims, product liability and subrogated recoveries. In the firm’s Wellington office, Sean O’Sullivan heads the medico-legal practice, managing partner Anthony Holden advises on property and financial lines issues, while Sophie Lucas focuses on professional indemnity and disciplinary claims. The Auckland office is home to Rebecca Scott, who leads the employment practices liability group, professional indemnity expert Mathew Francis, Richard Flinn, who handles statutory liability and environmental impairment claims, and Katie Shanks. In Auckland, special counsels Hugh King and Andrew Moore, and Wellington-based senior associates Shane Swinerd and Matthew Booth are all key figures.

Practice head(s):

Antony Holden; Sean O’Sullivan; Rebecca Scott; Joseph Fitzgerald

Other key lawyers:

Peter Leman; Caroline Laband; Misha Henaghan; Richard Flinn; Mathew Francis; Richard Flinn; Katie Shanks; Sophie Lucas; Shane Swinerd; Matthew Booth; Hugh King; Andrew Moore


‘WK brings together the biggest collection of insurance specialists in New Zealand. They tick every box across the vast array of insurance specialist fields and provide a service that is insurer friendly.’

‘Mathew Francis is an expert in litigation and getting pragmatic results.’

‘Peter Leman provides spot-on advice. He has the ability to prioritise and provides timely advice which is clear and easy to understand.’

‘The Wotton + Kearney team have a strong insurance focus and a great depth of talent in the team, with specialists in all areas.’

‘One of the largest insurance practices in New Zealand. Their team offers a breadth of experience and expertise in relation to a very wide range of insurance matters. In particular, they have expertise in fire and general, general liability, professional indemnity, statutory liability, employers liability, contract works insurance, and directors and officers liability, and cyber insurance.’

‘Caroline Laband is technically sound and is an excellent litigator. She handles many of our more complicated claims and litigation. We trust her implicitly.’

‘Misha Henaghan’s client service is second-to-none. She is incredibly practical and achieves commercially sound outcomes.’

‘Shane Swinerd handles many of our more complicated litigated claims with aplomb. He is always across the detail and an excellent communicator.’

Key clients

AIG New Zealand


Berkshire Hathaway Specialist Insurance

Crombie Lockwood / AJ Gallagher & Co

Chubb Insurance

DUAL New Zealand

Munich Re

QBE Syndicate 386 (Lloyd’s)

Vero Liability New Zealand

Zurich Australian Insurance

Work highlights

  • Successfully defended O’Hagan in High Court proceedings seeking NZ$1.5m, relating to remediation of a residential property and an allegedly negligently issued PS4 certificate.
  • Defending a structural engineering company in a NZ$150m claim that relates to a 150 apartment complex.
  • Advising and defending insurers of three buildings damaged during the Christchurch earthquake sequence.

DLA Piper New Zealand

Wellington-based Rachel Taylor and Emma Moran jointly lead DLA Piper New Zealand’s insurance practice, following the departures of Caroline Laband, Peter Leman and Misha Heneghan to Wotton + Kearney in February 2022. Taylor provides ‘thoughtful and pragmatic commercial advice’ on non-contentious insurance matters, including regulatory compliance and IPSA, as well as the contract and consumer law aspects of selling insurance. Commercial litigator Moran advises client on a range of insurance claims, from professional liability and indemnity to healthcare and local government. The team counts AIG New Zealand, Tower Insurance and FMG, to name a few, among its key roster of clients.

Practice head(s):

Rachel Taylor; Emma Moran


‘The team has extensive and practical experience of insurance issues. They also have a great depth of experience.’

‘The insurance practice at DLA Piper is very knowledgeable and has provided sharp and practical advice on a number of occasions. They appear to have well-rounded experience, able to pick up and respond to a range of insurance-related matters with ease and always seem conscious of the time-sensitive nature of some queries.’

‘Rachel Taylor has a long-standing reputation of providing thoughtful and pragmatic commercial advice. In particular, she has a keen interest in regulatory compliance and seems to enjoy receiving curly or niche questions to investigate. We appreciate that she approaches legal issues from different angles so as to identify a range of possible risks to address and provide well-rounded advice overall.’

Key clients

AIA International Limited /AIA New Zealand Limited

AIG New Zealand Limited

Allianz Australia Insurance Limited

Aon New Zealand

Chubb Insurance New Zealand Limited

CNA Hardy

Crombie Lockwood (New Zealand) Limited (part of AJ Gallagher Group)


Lloyd’s of London

Marsh New Zealand

Medical Assurance Society

Mitsui Sumitomo Insurance Company Limited

Nautilus Marine Underwriting Agency Pty


Rothbury Group

Steadfast Group

SUA (Specialist Underwriting Agencies Pty Limited)

Tokio Marine HCC

Tower Insurance Limited

Zurich New Zealand

Work highlights

  • Acted for Lifetime Income in an application for orders approving a scheme of arrangement or compromise that would enable it to see the assets in its statutory fund and repay its policyholders respective interests in those assets.
  • Acting for The Body Corporate 423090 in suing its insurer for failure to properly remediate earthquake damage to the 22-storey building it owns, in a six-week trial.
  • Advised AIG Australia Limited (AIG) on its sell-side and/or buy-side warranty indemnity insurance policies written on NZ transaction.

Gilbert Walker

Counting Vero Liability, DUAL New Zealand and IAG among its key roster of clients, Gilbert Walker’s ‘advice on tricky indemnity and liability issues is one of the firm’s fortes’, in addition to property damages and earthquake-related claims. Matthew Harris frequently advises liability insurers on policy response and defending claims against insureds, while Iva Rosic handles professional liability claims, directors and officers’ insurance issues, public liability and property cases. Harris and Rosic lead the Auckland-based team alongside Martin Smith, who is praised as ‘a giant in the insurance space’ and continues to act for Tower Insurance, defending litigated and disputed claims for property damage caused by the Canterbury earthquakes.

Practice head(s):

Matthew Harris; Iva Rosic; Martin Smith


‘Highly intelligent and considered advice on tricky indemnity and liability issues is one of the firm’s fortes.’

‘Gilbert Walker has strong expertise to credibly take on the big insurers.’

‘Martin Smith is a giant in the insurance space. Quietly competent, outcome-focused and courageous when needed.’

Key clients

Vero Liability

Tower Insurance




Work highlights

  • Acting on the instructions of its liability insurer for one of the defendants to the prosecution by the New Zealand health and safety regulator, WorkSafe, following the Whakaari White Island eruption killing 22 people in December 2019.
  • Acting on the instructions of its liability insurer for Marlborough Electric Power Trust, in the first consideration by the High Court of the rights of trust beneficiaries to trust information under the new Trusts Act 2019.
  • Acting for Vero Liability in a claim regarding alleged negligence by its insured, an engineering firm, in relation to its work on a development.

Hesketh Henry

Noted for its expertise in ‘constructed-related litigation and associated insurance issues’, Hesketh Henry also has demonstrable experience in the transport sector, and counts professional indemnity claims, business interruption, health and safety, cyber risk and regulatory matters in its caseload. Alan Sherlock, who focuses on marine insurance, fire cases, reinsurance and third-party liability claims, leads the practice alongside construction expert Helen Macfarlane, and managing partner Christina Bryant, who handles professional indemnity claims. Special counsel Stephanie Corban has experience in negligence claims and policy coverage issues, while senior associate Charlotte Robertson is praised for leaving ‘no stone unturned’. Transport and trade law specialist Simon Cartwright is another key member of the team.

Practice head(s):

Alan Sherlock; Helen Macfarlane; Christina Bryant

Other key lawyers:

Simon Cartwright; Stephanie Corban; Charlotte Robertson


‘I believe Hesketh’s is incredibly valuable to the market as they can concentrate on the complex matters thoroughly.’

‘The HH team has key skills in construction-related litigation and associated insurance issues.’

‘I work with Helen McFarlane, whose co-operation and practical advice make her a key contact.’

‘Great all-round practice.’

‘Charlotte Robertson takes pride and ownership of her files, leaving no stone unturned. Efficient, intelligent and excellent to deal with.’

‘Stephanie Corban has great attention to detail and does what she promises.’

‘Excellent and thorough insurance law advice tailored for our business. I enjoy the diversity of staff at Hesketh Henry and their approachability and willingness to assist.’

‘All the individuals I have worked with at Hesketh Henry are genuine, professional and supportive. In particular Stephanie Corban and Alan Sherlock have been instrumental in achieving excellent outcomes for our business and have been great to deal with.’

Key clients

Suncorp Group New Zealand Ltd

Vero Insurance New Zealand Ltd

AA Insurance Ltd

AIG Insurance Ltd

Chubb Insurance New Zealand Ltd

Underwriting Agencies of New Zealand Ltd / Underwriting Agencies of Australia Pty Ltd

Charterers P & I Club

Dual New Zealand Limited

AmTrust International

FMG Insurance Limited

The New India Assurance Co Ltd

Ando Insurance

Compagnie Française D’Assurance Pour Le Commerce Extérieur (Coface)

Work highlights

  • Advised Compagnie Française D’Assurance Pour Le Commerce Extérieur (Coface) in its application to be granted a licence to carry on insurance business in New Zealand and the registration of its branch in New Zealand.
  • Acting for Vero Insurance New Zealand, as lead underwriter, in relation to a subrogated recovery action where the amount claimed is in the vicinity of NZ$25m.
  • Instructed by AIG Insurance New Zealand Ltd to act as defence counsel for claims made against members of a national network of insured law firms.


MinterEllisonRuddWatts frequently acts for local and international underwriters in dealing with New Zealand’s financial services regulators, as well as advising on the drafting and interpretation of insurance policies. The team also counts life and health insurance claims, reinsurance matters, property issues, professional indemnity and general liability work in its caseload. In the firm’s Auckland offices, ‘knowledgeable and pragmaticAndrew Horne leads the practice and continues to act for global broking firm Marsh, in addition to leading domestic insurers. Nick Frith defends negligence claims against brokers, and advises on litigating property damage and business interruption claims for both insureds and insurers.

Practice head(s):

Andrew Horne

Other key lawyers:

Nick Frith


‘This team stands out for its strong international and local industry knowledge, combined with a commercial and cost-effective approach.’

‘Andrew Horne is very knowledgeable and pragmatic.’

‘The nature of our business is broad and our needs are complex. The practice responds to this with ease and provides a high level of service across the multiple partners and specialties. This flexible but consistent service allows our business to operate at a high level.’

Key clients

Marsh Limited

Munich Re


ANZ Bank

Aon New Zealand

Youi Insurance

AIA Insurance

FMG Insurance


Earthquake Commission

Work highlights

  • Advised a consortium (comprised of construction firm Fulton Hogan, Waka Kotahi, Christchurch City Council, Aurecon, and Jacobs [CNCA]) on its insurance claim involving extensive loss and with complicating factors such as it being a high-profile project, project deadlines and media coverage.
  • Acted for ANZ Bank in regulatory proceeding, the first civil prosecution of a financial institution under part 2 of the Financial Markets and Conduct Act 2013 (FMCA).
  • Acting for Medical Assurance Society (MAS), on a variety of claims, disputes, and advisory matters for both the general, and life and health insurance businesses.


Based in Auckland, specialist insurance firm Robertsons ‘handles a host of claims’ on behalf of domestic and international insurers in New Zealand, from D&O disputes, professional liability claims, and business interruption matters to construction defect litigation and regulatory investigations. According to one client, ‘there is no risk too big or too small that they won’t get involved in’. Michael Robertson focuses on claims against lawyers, accountants and construction professionals, as well as defending regulatory claims brought by the Financial Markets Authority and Commence Commission. Helen Twomey advises on the full gamut of liability insurance matters and has demonstrable experience in civil hearings before courts across New Zealand. Sophie Curlett was promoted to partner in November 2021. All named partners jointly lead the practice.

Practice head(s):

Michael Robertson; Helen Twomey; Sophie Curlett


‘Robertsons handle a host of claims and specialise in liability insurance. They are our go to for trials, wording review, opinions and mediation. There is no risk too big or too small that they won’t get involved in.’

‘They are always available, approachable, knowledgeable and experienced. I always have confidence that they will act in our best interests.’

‘The team always make time for clients and look for solutions. They are great people, who are passionate about their craft and finding out-of-the box solutions.’

Key clients

QBE Insurance (Australia) Limited

Ando Insurance Group Limited

Aioi Nissay Dowa Management (NZ) Limited

Markel Syndicate 3000 at Lloyd’s

Willis Towers Watson

Lumley General Insurance (N.Z.) Limited and NZI

Delta Insurance New Zealand Limited

Berkshire Hathaway Specialty Insurance




Work highlights

  • Acted for a partner of a law firm, Loo & Koo, (and their insurer) in respect of an attempt to join the partner to proceedings on the basis of a number of serious allegations including money laundering.
  • Acted for a company (and their insurer) in respect of a WorkSafe investigation after an employee was injured at work.
  • Advising Delta Insurance on the wording for a new personal cyber liability policy.

Russell McVeagh

The multi-disciplinary practice at Russell McVeagh offers an ‘indispensable service’ by combining the expertise of its litigation, regulatory and corporate teams to advise insurers, domestic corporates and other industry players on insurance-related transactions and disputes. The practice continues to act for the Earthquake Commission (EQC) on statutory obligations and high-profile insurance claims, as well as commercial and regulatory matters. In the firm’s Auckland office, ‘capable partnerMarika Eastwick-Field has experience in insurance coverage disputes relating to material damage, professional indemnity and business interruption claims. Eastwick-Field jointly leads the practice alongside Wellington-based Nathaniel Walker, who advises on contentious insurance matters, with a focus on natural disaster insurance claims.

Practice head(s):

Marika Eastwick-Field; Nathaniel Walker


‘Russell McVeagh integrates the strategic and technical aspects of its insurance practice and advice. The team offers an indispensable service.’

‘Nathaniel Walker brings a unique combination of sharp focus on detail and constant strategic orientation. He is the best litigation and strategy advisor on my panel.’

‘Very competent team.’

‘Marika Eastwick-Field is a very capable partner. Being intelligent and having a pleasant, relatable demeanour, along with the ability to make herself readily available when required, is very important.’

Key clients

Earthquake Commission

Greenstone Financial Services NZ Limited

National Australia Bank

Westpac Financial Services Group NZ Limited

Work highlights

  • Acted for the Earthquake Commission in separate proceedings relating to the damage of residential buildings and land arising from the Canterbury earthquake sequence.
  • Advised Westpac Group on its sale of its New Zealand life insurance business, Westpac Life-NZ Limited, to Fidelity Life Assurance Company Limited.
  • Acting for one of New Zealand’s largest commercial property and fund management companies in respect of a disputed insurance claim arising from property damage following the 2016 Kaikōura earthquake.

Simpson Grierson

Praised for its ‘excellent knowledge in insurance and dispute resolution’, Simpson Grierson has demonstrable experience in insurance claims and disputes, product liability management, insurance-related M&A transactions and regulatory issues. Based in Auckland, Helen Smith – who steers ‘a capable team’ alongside the firm’s head of commercial litigation Jania Baigent – is praised for an ‘excellent knowledge of professional indemnity claims’, in addition to statutory liability, property construction, material damage and business interruption matters. The Auckland office is also home to special counsel Robert Gapes, who acts for domestic and international clients on product liability mandates. The practice counts Fidelity Life, NZI and Vero Liability among its key roster of clients.

Practice head(s):

Helen Smith; Jania Baigent

Other key lawyers:

Robert Gapes


‘Experience in the professional indemnity space.’

‘Helen Smith has a great depth of policy knowledge.’

‘Helen Smith and her team are experts in insurance litigation.’

Key clients


Fidelity Life Assurance Company Limited

nib nz holdings limited


Vero Liability Insurance Limited

Work highlights

  • Acting for various professional services firms on alleged breach of contract, negligence and consumer protection legislation claims, including defending three separate High Court claims.
  • Defending Fidelity Life Assurance Company Limited (Fidelity Life) in High Court proceedings brought by a former insured, for failing to pay out under an income protection policy.
  • Advising nib nz holdings limited on alleged breaches of broker agreement relating to the placement of FJD$1.5bn worth of insurance cover relating to the 2017/2018 financial year.

Wilson Harle

Noted for its ‘reputation as a leading boutique litigation firm’, Wilson Harle acts for insured executives in investigations or claims, particularly in relation to D&O coverage issues, as well as advising domestic insurers on regulatory compliance matters. The team has demonstrable experience in handling shipping, fraud (including arson and insurance fraud), and international trade insurance issues. Based in Auckland, Ian Denton represents clients in coverage disputes and leads the practice alongside fellow commercial litigators: Chris Browne, ‘experienced’ Allison Ferguson, Felicity Monteiro and ‘astute’ Guy Tompkins.

Practice head(s):

Chris Browne; Allison Ferguson; Ian Denton; Felicity Monteiro; Guy Tompkins


‘Wilson Harle are all extremely bright and pragmatic.’

‘Chris Browne typifies Wilson Harle. He is super smart, strategic and practical.’

‘Allison Ferguson is a very experienced litigator. An extremely good communicator and persuasive.’

Key clients

Callaghan Innovation

Napier City Council

Work highlights

  • Acting for Napier City Council in test case proceedings regarding the scope of cover available for councils for non-weathertightness defects alleged in “leaky building” proceedings.