Insurance Law

The insurance sector operates under a comprehensive regulatory architecture - Solvency II for prudential supervision, the Insurance Distribution Directive

Insurance Law covers legal assessment, document preparation and implementation support in Europe. It is typically relevant to businesses, investors and organisations operating or transacting in one or more countries. The precise rules, competent authority and procedure depend on the subject matter, jurisdiction and facts, with EU and national law considered together.

Key points

  • Scope is determined by the specific service and countries involved.
  • EU law operates together with current national legislation.
  • Documents and contractual mechanisms are tailored to the facts and objectives.
  • Outcomes and timing depend on the parties, authorities and procedure involved.

Jurisdiction and applicable framework

The applicable framework depends on the subject of the service, governing law and countries in which the structure or transaction has effect. EU law and current national legislation are assessed together.

Last reviewed: 22 September 2026

The insurance sector operates under a comprehensive regulatory architecture - Solvency II for prudential supervision, the Insurance Distribution Directive for conduct of business - and generates complex disputes over coverage, exclusions, and subrogation. We advise insurers, reinsurers, intermediaries, and policyholders across regulatory, transactional, and contentious matters.

On the regulatory side, we advise on licence applications, Solvency II capital and governance compliance, and the product-oversight-and-governance (POG) rules that apply to insurers and intermediaries.

On the disputes side, we represent clients in coverage disputes, subrogation claims, and regulatory-enforcement proceedings, drawing on both the contractual terms and the applicable mandatory-law provisions governing insurance contracts.

What this includes

  • Insurance & reinsurance licensing
  • Solvency II capital & governance compliance
  • IDD distribution & conduct-of-business rules
  • Product-oversight & governance (POG)
  • Insurance-contract drafting & review
  • Coverage disputes & subrogation claims

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