Insurance Law

Securing Certainty in a Complex Risk Environment

At MBK and Associates, we provide specialised and strategic legal services for the insurance industry, offering end-to-end support to insurance companies, reinsurers, brokers, underwriters, and corporate policyholders. Our goal is to be more than legal counsel — we strive to be a trusted partner in managing risk, ensuring compliance, and resolving disputes efficiently.

The insurance sector operates within a constantly evolving regulatory framework. Our team combines in-depth legal knowledge with industry-specific understanding to help clients remain compliant, competitive, and protected.

Our Services Include:

Policy Drafting, Review & Compliance

Well-drafted insurance policies are key to protecting both insurers and insured parties. We help craft clear, enforceable, and regulatory-compliant documentation.

• Drafting bespoke insurance policies across life, general, health, property, and professional liability insurance
• Reviewing existing policies for legal robustness and regulatory alignment
• Ensuring compliance with the Insurance Ordinance, SECP rules, and sectoral regulations
• Advising on interpretation of policy wording and exclusions
• Policyholder disclosures and terms & conditions audits
  
  

Claims Management & Dispute Resolution

Disputes over claims can lead to litigation, delays, and reputational risk. We help resolve claims disputes quickly, strategically, and cost-effectively.

• Advising insurers and reinsurers on coverage disputes and claim denials
• Representing clients in high-stakes litigation involving life, fire, marine, business interruption, and liability insurance claims
• Pre-litigation advisory, negotiation, and settlement of disputes
• Handling arbitration, mediation, and civil litigation before courts and tribunals
• Drafting and reviewing claims procedures and internal frameworks for risk mitigation
  
  

Regulatory Guidance & Compliance

Our team helps insurance sector clients understand and implement regulatory obligations under national and international frameworks.

• Advising on SECP regulatory filings, licensing, and periodic compliance
• Assistance with corporate governance, reporting obligations, and fit & proper criteria
• Responding to regulatory investigations, inspections, or show-cause notices
• Drafting compliance manuals, internal policies, and training modules
• Monitoring legal developments and updating clients on regulatory changes
  
  

Reinsurance & Risk Management

We provide strategic legal counsel on reinsurance structuring and risk mitigation, supporting our clients in optimizing capital and reducing exposure.

• Drafting and reviewing facultative and treaty reinsurance contracts
• Advising on retrocession, co-insurance, and reinsurance recoveries
• Regulatory approvals and cross-border reinsurance arrangements
• Structuring captives and alternative risk transfer mechanisms
• Legal audit of enterprise-wide risk management systems
  
  

Insurance Transactions & Corporate Advisory

We support insurers and intermediaries in corporate structuring, transactions, and commercial advisory.

• Advising on mergers and acquisitions involving insurance companies
• Corporate restructuring and spin-offs of insurance operations
• Drafting agency and brokerage agreements
• Advisory on bank-assurance, affinity arrangements, and distribution channels
• Legal due diligence for transactions in the insurance and insure tech space
  
  

Support for Corporate Policyholders

We also represent large businesses and institutions in managing their insurance risks and enforcing their rights as policyholders.

• Advisory on insurance procurement and coverage optimisation
• Reviewing business interruption, D&O, professional indemnity, and cyber risk policies
• Dispute resolution with insurers on non-payment or delayed claim
• Insurance portfolio audits and renewal negotiations
  
  

Why MBK and Associates for Insurance Law?

Industry Experience: We understand the technical language of insurance law and how it plays out in real-world underwriting and claims.

Regulatory Foresight: Our lawyers stay ahead of legal reforms to keep your business fully compliant and informed.

Efficient Dispute Handling: We resolve disputes with minimal disruption to operations — with a strong track record in settlement and litigation.

Tailored Risk Management: Every business is unique. We align legal strategies with your specific exposure profile and operational priorities.

Holistic Solutions: From contract structuring to enforcement, we deliver seamless, full-spectrum legal support for the insurance sector.


Partner with Confidence!

Whether you're an insurer seeking regulatory clarity, a reinsurer structuring treaties, or a business navigating a complex claim — MBK Associates delivers legal certainty and commercial value.

Contact us today to learn how we can support your legal and operational goals in the insurance sector.