The insurance sector operates under a comprehensive regulatory architecture - Solvency II for prudential supervision, the Insurance Distribution Directive
Insurance Law covers legal assessment, documentation and practical support in the UAE. It is typically relevant to businesses, investors and founders establishing or operating under federal, emirate-level or free-zone rules. The applicable requirements and competent authority depend on the activity, place of establishment and where the service or transaction is performed.
The applicable framework depends on the activity, place of establishment and place of performance. UAE federal law, the relevant emirate’s law and free-zone rules are distinguished as the matter requires.
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.