Overview
Insurance in the UAE is regulated by the Central Bank of the UAE (CBUAE), which assumed oversight of the insurance sector under recent reforms. The regulatory framework governs policy issuance, insurer licensing, solvency requirements, reinsurance, claims handling, and dispute resolution.
Key legislation includes:
Federal Law No. 6 of 2007 on the Organisation of Insurance Operations, as amended and integrated into the CBUAE framework.
CBUAE Insurance Regulations, covering solvency, governance, and conduct of business.
Civil Code provisions on contracts and indemnity.
DIFC and ADGM frameworks, which recognise insurance and reinsurance contracts under common law principles.
Insurance plays a pivotal role across aviation, maritime, energy, healthcare, construction, and financial services, making specialised legal expertise essential for both insurers and insured parties.
How Can Insurance Lawyers Help?
Policy Drafting & Review
Drafting bespoke insurance contracts, endorsements, and riders.
Reviewing complex corporate insurance policies (aviation, marine, energy, liability).
Claims Management
Advising policyholders on claims preparation and submission.
Representing insurers and corporates in disputed claims.
Reinsurance & Risk Transfer
Structuring reinsurance agreements and facultative placements.
Advising on retrocession and cross-border insurance arrangements.
Regulatory & Licensing Compliance
Advising insurers and brokers on licensing with the CBUAE, DIFC, or ADGM.
Ensuring compliance with solvency and reporting obligations.
Dispute Resolution
Representing clients in insurance litigation before the UAE courts.
Handling insurance arbitration and mediation under DIAC, ICC, and UNCITRAL.
Our Experience in Insurance Law
Drafted aviation insurance contracts for a UAE-based airline fleet expansion.
Advised international reinsurers on facultative and treaty reinsurance arrangements.
Defended insurers in professional indemnity claims involving financial institutions.
Assisted healthcare providers in compliance with UAE mandatory medical insurance regulations.
Represented an energy company in an insurance claim following project delays.
Legal Services We Provide
Policy drafting, review, and negotiation
Corporate insurance (aviation, marine, construction, liability, health)
Reinsurance structuring and advisory
Insurance claims management and dispute resolution
Regulatory compliance and insurer licensing (CBUAE, DIFC, ADGM)
Insurance litigation, arbitration, and mediation
⚖️ At Pin Legal Consultancy, our insurance lawyers combine regulatory insight with dispute resolution expertise. We assist insurers, reinsurers, and policyholders in drafting, compliance, and claims disputes, ensuring protection of rights and mitigation of risk in a highly regulated sector.
