Ruth Hosking
Ruth’s practice encompasses the broad range of general commercial litigation and arbitration. Her particular areas of specialism include shipping, civil fraud, private international law, insurance and commodities.
Ruth has appeared in the House of Lords (as it then was), Court of Appeal, High Court and has represented clients in a variety of international and trade arbitrations (including ICC, LCIA, LMAA, GAFTA and FOSFA). She has been involved in a number of high profile cases, including "The Achilleas", a leading case on the contractual principles of remoteness of damage and "The Atlantik Confidence", the first case in which an English Court has determined that a person was barred from relying on the limits provided by the Limitation Convention.
Ruth is ranked as a 'Leading Junior' in the latest editions of Chambers UK and The Legal 500. Praise given in previous editions include "quick to respond, pragmatic and honest" and "excellent". In 2018, Ruth was shortlisted for the Legal 500 Shipping Junior of the Year. In 2022, Ruth was awarded Shipping Junior of the Year at Chambers UK Bar Awards and was shortlisted for Junior of the Year at the Legal 500 Awards.
Prior to coming to the bar Ruth studied for an LLM in commercial & corporate law specialising in restitution, corporate insolvency, conflict of laws and marine insurance at UCL; and was a visiting law tutor at King's College London teaching tort (including economic torts) from 2001-2002.
Practice Area
Panel
- Contributing Author
Qualified Year
- 2002
Experience
- Quadrant Chambers (formerly 4 Essex Court) (2002 - present)
Qualifications
- MA Jurisdprudence (2000)
- LLM Corporate & Commercial Law (2001)
- Bar Vocational Course (2002)
Education
- University of Oxford (2000)
- University College London (2001)
- Inns Court School of Law (2002)
1 Contributions by Ruth Hosking
PRACTICE NOTES
UK Insurance Intermediaries and Lloyd’s: Agency Status, Regulation, Duties, Professional Indemnity and Risk Management
What is the difference between an agent and a broker?
Where insurance is arranged through an intermediary, that party is typically either an insurance agent (who generally represents a particular insurer or a number of insurers) or an insurance broker (who usually represents the insurance purchaser).
Insurance agents
Insurance agents have contractual appointments with insurers that define the products they may offer and how they are remunerated. A ‘captive agent’ focuses on a single insurer’s products, while an ‘independent agent’ can work with multiple insurers. The agent’s role is to bring insurance business to their principal(s).
Insurance brokers
As the buyer’s representative, a broker is independent. Brokers prepare and submit applications to insurers for their clients. During placement, they obtain a temporary contract, known as a ‘binder’, signed by an authorised representative of the insurer. After the transition period (often 30 or 60 days), the binder is replaced by the issued policy of insurance.
Statutory guidance
Pursuant to Schedule 2 to the Consumer Insurance (Disclosure and Representations) Act 2012 (CI(DR)A 2012), an intermediary is regarded...
Insurance & Reinsurance
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