Insurance Law

Claims Coverage & Advisory

Insurers must consistently make precise, efficient coverage determinations to avoid costly errors or litigation. We help by:

• Evaluating high-stakes or ambiguous claims and providing coverage opinions on whether claims fall within policy bounds, exclusions or exceptions.
• Guiding claims investigations by advising the insurer's internal team during complex investigations, ensuring the documentation is legally sound and thorough.
• Drafting, reviewing and updating policy forms, terms and exclusions to prevent loopholes and adapt to new risk climates.

Coverage Disputes & Litigation

Disputes frequently arise between insurer and policyholder over whether a claim should be paid. We protect insurers by:

• Defending "bad faith" claims and representing insurers accused of misselling, unreasonable claim delays, unfair denials or compliance violations.
• Pursuing third parties actually at fault for a loss to recoup the money the insurer paid out (subrogation).
• Filing actions to recover unpaid premiums from policyholders.
• Initiating court actions for a formal declaration of the insurer's rights and obligations under a specific policy.
• Handling structured negotiations, appraisals, mediations and arbitration to settle issues outside the courtroom.
• Handling litigation by and against insurers and reinsurers.

Regulatory Compliance & Corporate Governance

The insurance industry is heavily scrutinised and tightly regulated. We ensure the company operates legally by:

• Helping companies abide by federal and provincial regulations on licences, solvency, policy forms, claims handling and required filings.
• Assisting clients with the handling of investigations and legal audits.
• Representing insurers before the Insurance Tribunals, the Federal Insurance Ombudsman, the Securities & Exchange Commission of Pakistan and other forums.

Insurance Defence & Policyholder Representation

• Litigating third-party claims by representing the insured in court across categories such as commercial general liability, environmental damage and medical malpractice.
• Analysing the financial threat of a lawsuit early to determine whether a quick settlement or a trial is the optimal approach.

Reinsurance & Transactional Operations

Insurers spread their own risks by buying reinsurance. We assist by:

• Resolving highly technical conflicts between the primary insurer and its reinsurers.
• Advising on mergers and acquisitions between insurance entities, structural reorganisations and other corporate actions.