Hall Of Fame

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Firms To Watch: Insurance

Led by Dimitri de Bournonville, Kennedys has ‘developed an increased visibility in the insurance sector’ and handles an array of contentious and advisory work in the area.
Liedekerke is known for its expertise pertaining to ESG issues and the financial regulatory side of insurance mandates. Damien Conem and Tom Van Dyck share leadership duties.

Firms in the Spotlight Insurance

Lauwers Law

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Lauwers Law stands as a beacon of excellence in the realm of tax law, renowned for its profound expertise and a uniquely tailored approach that effectively navigates the complexities of tax law across Belgium’s diverse regional landscape.  Our comprehensive services cover a broad spectrum of tax-related matters, including corporate taxation, international tax law, VAT, and …

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Insurance in Belgium


The ‘outstanding, results-driven’ practice at Lydian runs the insurance gamut with the team’s far-reaching expertise covering issues including claims and disputes, insurance product distribution, corporate insurance and ESG work. The unit has also increasingly acting as lead counsel in cases involving international losses. Hugo Keulers co-chairs the practice and is praised for his ‘energy, in-depth insurance knowledge, international network and entrepreneurship’. Fellow practice co-chair Sandra Lodewijckx is an expert in insurance distribution and is praised for her ability to ‘stay on top of new developments‘, while Jo Willems is well positioned to handle strategically important disputes for national and international insurance clients. Marijn De Ruysscher is geared to assist with technical CAR-insurance and liability insurance mandates.

Practice head(s):

Hugo Keulers; Sandra Lodewijckx

Other key lawyers:

Jo Willems; Marijn De Ruysscher; Héloïse Fostier; Louise Berrier; Luc Germonpré


‘Their insurance specialty is outstanding, and the results-driven approach of Hugo Keulers and his team is really much appreciated. He knows the métier.’

‘This practice is the reference in Belgium for insurance, for all stakeholders (insurers, brokers or clients) and for any matter (liability or other branches, social contribution, captive, etc.).’

‘Sandra Lodewijckx is an impressive partner in Lydian’s insurance department. She stays on top of new developments and always seems to be one step ahead of the rest.’

‘Louise Berrier is an excellent corporate associate with abilities well beyond her years of experience. She is highly responsive to client needs and very effective in a corporate transactional context.’

‘Luc Germonpré is very effective at leading client relationships and engaging Lydian’s resources for client needs.’

‘Hugo Keulers and his team are great to work with as they are well versed in insurance regulation and practical in how it applies.’

‘The insurance partners at Lydian have a tremendous knowledge on the insurance market and all legal matters in this subject. They have superb associates working with them and with us. Good communication, high speed returns and quality.’

‘It is always a pleasure to work with Hugo Keulers whose energy, in-depth insurance knowledge, international network and entrepreneurship make him an outstanding figure.’

Key clients

AIG Europe Ltd

Lloyd’s Insurance Company NV

Probitas 1492 Pty Ltd

Arc Europe SA

Bpost Bank NV

Furness Professional Risks Europe SRL

International Professional Risks Europe SRL



Corona Direct NV

United Kingdom Freight Demurrage and Defence Assocation (UKFD) Ltd

London Steam-Ship Owners’ Mutual Insurance Association Limited (LSSO) Ltd

International Transport Intermediaries Club Limited (ITIC) Ltd

Great Lakes Insurance SE, (Munich Re Group)

TT Club Mutual Insurance Limited Ltd

Hilton Food Group BV

HDI Global SE

HDI Global Specialty SE

Arval Belgium NV

BNP Paribas Cardif NV

Monument Insurance Belgium Ltd

XL Catlin / XL Catlin Insurance Company SE / XL Catlin Services SE, now: Financial Insurance Company td. c/o AXA NV

Amlin Insurance SE

Zurich Insurance Plc

Can Insurance Company Ltd

Royal & Sun Alliance Insurance (Global) Ltd

Aon Belgium BVBA /|Aon Consulting Belgium NV

Ergo Insurance NV

Ethias SA

Belfius Insurance NV

Belfius Bank NV

Baloise Belgium NV


Qover NV

Allianz Global Corporate Specialty SE

P&V Verzekeringen CVBA

SEB Life International Assurance Company

ARAG SE – Branch Belgium

DAS Belgische Rechtsbijstandsverzekering NV

Hiscox Europe Underwriting Limited


Liberty Mutual Group

Beluga Insurance Solutions NV

Alta Signa Group BV

Immoweb Financial Services SA


Euler Hermes NV

Nationale Nederlanden NV

Alpha/Enstar Insurance plc

Mitsui Ltd

Beazley Furlonge Ltd

KBC Verzekeringen NV

AG Insurance NV


Airbnb Inc

Booking.com Inc

Berkshire Hathaway Specialty

Starr Insurance Company Inc

Toyota NV

Trip vzw


Alecto Consulting BV

CannGen Insurance Europe BV

DELA Natura-en levensverzekeringen N.V.

Euroclear NV

Homeserve France SAS

KU Leuven

Next Wave insurance LLC


Zurich Insurance Plc, Belgium Branch

Zurich Insurance Company Ltd

Work highlights

  • Assisted Zurich Insurance Group (through Zurich Global Ventures) with its strategic partnership with Qover, the Belgium-based insurtech company.
  • Acting for Allianz Global Corporate Specialty (AGCS) and AXA XL, co-insurers of the primary layer of the D&O insurance program, in a coverage dispute with their policyholder Dexia SA.
  • Upon instruction of insurers HDI Global SE and HDI Global Specialty SE, acting for Vandamme Hungaria in issues relating to the Belgian chocolate industry salmonella contamination of July 2022.

A&O Shearman

A&O Shearman fields a strong offering with expertise in regulatory issues, including solvency and governance work, and strength in contentious mandates and a proven track in insurance M&A. Experienced litigator Tom Schoors co-heads the practice; his varied caseload includes acting for insurance companies in post-M&A cases. Sylvia Kierszenbaum completes the leadership team and is well placed to advise international and domestic insurance companies on the regulation of insurance activities. Christian Bayart advises on the insurance aspects of employee benefits, while Niels De Waele counts prudential regulations and conduct of business rules among his areas of expertise.

Practice head(s):

Tom Schoors; Sylvia Kierszenbaum

Other key lawyers:

Christian Bayart; Niels De Waele; Bart De Bock


‘Niels De Waele: always very helpful and approachable.’

Key clients

AG Insurance



Belfius Insurance

European Investment Bank


NN (Nationale Nederlanden)

Randstad Belgium

SEB Life International

Swiss Life

Work highlights

  • Assisted life insurance group Athora with the acquisition of a life insurance portfolio from NN Insurance – a deal involving €3.3bn of assets under management.
  • Acted for the arrangers in connection with the issuance of bonds by the Belgian insurance company Ethias.
  • Advised numerous insurance and reinsurance undertakings on how to comply with solvency and minimum capital requirements, as strict European rules governing the insurance industry.


ALTIUS‘ multi-disciplinary practice assists insurance companies, reinsurers and insurance intermediaries across a broad section of matters with advice on regulatory issues concerning M&A, the structuring of insurance distribution channels and employment mandates among the team’s key areas of focus. Contentious work including insurance coverage disputes is an additional strength. Alexander Hansebout and Jérôme Vermeylen jointly chair the practice with the former a key contact for international disputes. Fellow litigator Stijn Van Schel has a proven track record in handling liability and coverage disputes. Cross-border transactions specialist Audrey Zegers is a further key contact.

Practice head(s):

Alexander Hansebout; Jérôme Vermeylen

Other key lawyers:

Stijn Van Schel; Audrey Zegers


‘Alexander Hansebout is knowledgeable, intelligent and hands on. Pleasant to work with.’

Key clients

Aetna Insurance

AG Insurance

Car Garantie


Work highlights

  • Acted as a permanent representative in Belgium of UK insurer Aetna Insurance, allowing the company to continue its legacy insurance contracts without obtaining a licence from the National Bank of Belgium, post Brexit.
  • Advising German car insurance company Car-Garantie on its information obligations under the Insurance Distribution Directive in Belgium, reviewing and amending its client information documents to align with Belgian standards.
  • Assisting Mapfre Asistencia with the restructuring of its Belgian activities, primarily employment issues and the termination of post-restructuring disputes.


Warranty and indemnity, construction professional and environmental liability insurance are all key focuses of the insurance team at CMS. In Antwerp, experienced litigator Virginie Frémat co-heads the practice and frequently acts for insurers and corporates in domestic and international litigation. The leadership team is completed by the Brussels-based trio of Carl Leermakers, Benoît Vandervelde and Tom De Cordier; Vandervelde is well versed in financial services and life insurance law. Back in Antwerp, Julie De Pauw‘s far-reaching practice encompasses policy reviews, dispute resolution and liability issues, while Tom Reingraber is a known name for insurance litigation.

Practice head(s):

Virginie Frémat; Carl Leermakers; Benoît Vandervelde; Tom De Cordier

Other key lawyers:

Julie De Pauw; Tom Reingraber


‘We instructed CMS Belgium several times over the last few years. Our cases involved different types of claims with complicated technical and legal issues. In all of these cases, the CMS lawyers did a very qualified job and handled the cases comprehensibly and to our complete satisfaction.’

‘The lawyers of CMS are always eager to support us.’

‘The saying about a team being more than the sum of its parts certainly applies here. One would be hard pushed to have a better experience and service with a legal team.’

Key clients

Equipe Verzekeringen

Starr Europe Insurance

StarStone Insurance

AIG Cyberedge

Cigna Insurance company






Tokio Marine

Howden Broking Group

Howden M&A


Lloyds Insurance Company (Brussels)

CNA Insurance Company (Europe)

Ryan Specialty Group Sweden

Navigators Underwriting Agency

The Hartford


Samsung Electronics


Work highlights

  • Advising Howden Broking Group on its expansion in Belgium, which involves multiple acquisitions of insurance brokers.
  • Assisting Transact Risk Partners with numerous cross-border claims from policyholders under different warranty and indemnity insurance policies.
  • Advising Samsung on the offering of device-related insurance products (PC, laptop, mobile phones), including partnership with a third-party insurance broker, on regulatory available exemptions, contractual terms and structural operations.

DLA Piper

Praised for its ‘expert knowledge of complex cases‘, DLA Piper is active across Belgian and European regulatory matters in the fields of consumer protection and prudential supervision, life and non-life insurance product documentation and the drafting of distribution and cooperation agreements. The team is additionally highlighted for its expertise pertaining to large insurance M&A transactions. In Antwerp, practice head Pierre Berger brings an array of regulatory expertise to the table, while in Brussels, Bob Martens‘ contentious expertise is sought out by insurance clients, particularly for professional liability disputes. Alexander Hamels has an in-depth understanding of coverage disputes and supervisory investigations.

Practice head(s):

Pierre Berger

Other key lawyers:

Bob Martens; Alexander Hamels; Lieven Annaert


‘Expert knowledge in complex cases.’

‘Very easy to collaborate. Pragmatic advice. Industry insights. Very good relationship with relevant local regulators.’

‘Easily accessible. Very responsive. Clear focused advice producing added value. Proactive thinking.’

‘Alexander Hamels and Pierre Berger have to be valued for their experience and knowledge in the insurance sector. They are available and very reactive, give appropriate advice and could challenge the positions in their network in order to deliver high accurate advice.’

Key clients


Baloise Belgium NV

Argenta Assuranties NV

Athora Belgium NV

Axa Belgium NV

Axa Partners

AXA XL Insurance Company

KBC Insurance

Patronale Life

Starstone Insurance Services Ltd

Alan SA

Swiss Life Luxembourg SA

Lombard International Assurance SA

Volvo Personvagnar AB

Europaeiske Rejseforsikring A/S

Fortegra Europe Insurance Company SE

VALE Insurance Partners Europe B.V.

Allianz Global Corporate & Speciality SE

Allianz Global Life DAC

Zurich Insurance Company ltd

Zurich Insurance plc

Zurich Global Ventures NV

Berkshire Hathaway Specialty Insurance

Berkley Select

ERGO Insurance

FM Global

Society of Lloyd’s

Mercer (Belgium) SA (Marsh)

Mutuelle d’Assurances des Instituteurs de France



Howden Insurance Brokers Ltd

Standard de Liège SA

MS Amlin Insurance SE

Wealins SA

Liberty Mutual Insurance Europe SE

Work highlights

  • Assisting a maior Belgian insurance company with the acquisition of an insurer and its affiliated companies, and the subsequent merger by absorption.
  • Assisting Fortegra with obtaining a Belgian insurance licence.
  • Assisting a global insurance group with setting up, licensing and launching an MGA in the field of embedded insurance.

Simont Braun

Simont Braun has a strong market reputation for its proficiency in insurtech, strong academic roots and cross-practice approach to insurance. Co-head of the team Thomas Derval has a practice that straddles contentious and regulatory insurance expertise. Fellow co-heads Philippe De Prez and Joan Carette frequently leverage their strong fintech knowledge to advise insurance clients on matters such as the digitalisation of product offerings and the granting of financial licences. Rafaël Jafferali is a key contact for cross-border insurance disputes.

Practice head(s):

Thomas Derval; Philippe De Prez; Joan Carette

Other key lawyers:

Rafaël Jafferali


‘A very competent, professional team with diverse skills.’

‘I work with Thomas Derval who is very attentive and productive. He has a good understanding of issues linked to private banking activity. He is also a very nice person.’

Key clients



Aion Bank


Work highlights

  • Assisting Aion Bank, Belgium’s first next generation digital bank, with the launch of all its new products and services including advising the bank on its insurance distribution model.
  • Assisted with NewB’s establishment of the first Belgian bank project with an innovative sustainable and ethical model, which includes an offer in specific insurance products.


The far-reaching practice at Stibbe incorporates expertise in insurance litigation and arbitration, employee benefits and corporate and M&A work. Other areas of strength for the unit include advising of the financial regulatory aspects of the insurance sector, tax mandates, and insurance issues arising from major infrastructure projects and public contracts. Oliver Stevens heads up the ‘very knowledgeable’ team; his longstanding experience in the space includes dealing with financial lines insurance, property insurance and litigation concerning the mis-selling of life insurance schemes. Corporate and capital markets expert Jan Peeters frequently advises on transactional work in the sector, and Marc Fyon has amassed considerable experience in corporate finance work. Complementary pensions expert Jan Proesmans and accredited mediator Sophie Bourgois are further recommended.

Practice head(s):

Oliver Stevens

Other key lawyers:

Jan Peeters; Marc Fyon; Jan Proesmans; Sophie Bourgois; William Poelmans


‘The team is very knowledgeable in insurance regulatory matters and always very responsive.’

‘Jan Peeters and his team are very competent and always able to explain complex matters in an easy to understand way. William Poelmans is always very helpful too.’

‘We would especially like to emphasise our collaboration with Oliver Stevens. Our case concerns an atypical and complex file, where financial insight and empathy with our business context was an absolute condition to be able to represent our case to the fullest. Oliver has absolutely succeeded in explaining this clearly in our file and arguing strongly in our favour. Furthermore, his search for relevant case law regarding our case has ensured that a rock-solid file was built up.’

Work highlights

  • Assisting Infrabel with respect to a claim under its property insurance regarding damages to the rail infrastructure caused by the flooding of July 2021.
  • Assisting Private Insurer in a critical dispute that arose shortly after its acquisition by its new shareholder, P&V Insurances.
  • Assisting Goed with transferring its employee-related insurance policies in the framework of multiple restructurings.

Baker McKenzie CVBA/SCRL

Baker McKenzie CVBA/SCRL‘s ‘highly regarded’ practice is well placed to handle a broad range of regulatory matters, strategic transactions, corporate reorganisations and litigation in front of civil and administrative courts of law. Olivier Van Den Broeke and Michael Van Acker co-head the practice, with the latter frequently leveraging his transactional expertise to assist players in the insurance space.

Practice head(s):

Olivier Van Den Broeke; Michael Van Acker


‘Highly regarded, high level of service and competence.’

Key clients

AG Insurance NV

Amazon Insurance

American Express


Baloise Belgium NV

Cardif Lux Vie

Cigna Life Insurance Europe NV

Conservatrix N.V.



FCA Capital



Generali Luxembourg

Goudse Levensverzekeringen N.V.

Imperium Insurance

Insurem Insurance Limited

KBC Verzekeringen

Lombard International Assurance

Novus Underwriting

Quilter International Ireland

The Navigators, Inc.

Waard Leven N.V.

Work highlights

  • Representing Ingram Micro in front of Belgium’s constitutional court; the case relates to the constitutionality of certain prescription periods in relation to life insurance products.
  • Representing Assuralia in front of Belgium’s constitutional court; the case relates to the constitutionality of an interpretative law with retroactive effect in respect of insurance coverage for natural catastrophes.
  • Advised Manufacturers Life Insurance, a Canadian life insurance undertaking, on various insurance regulatory issues in connection with the cross-border offering of life insurance policies in Belgium.

Philippe & Partners

Philippe & Partners‘ insurance team, which is noted for its ‘professionalism and collaboration‘, handles a range of advisory and contentious work in the insurance sector, with the group singled out for its competence in insurance products and distribution services, as well as its ability to assist with insurance-related regulatory, corporate and tax issues. Life insurance specialist Marc Gouden, who divides his time between Brussels and Luxembourg, heads up the practice alongside Pierre Moreau, whose diverse practice extends to group insurance and the development of life and non-life policies; Moreau divides his time between Brussels, Luxembourg and Mons.

Practice head(s):

Marc Gouden; Pierre Moreau

Other key lawyers:

Isabelle Cirriez; Ihsan Karatas


‘ The team stands out for its professionalism and collaboration.’

‘A professional approach.’

‘Outstanding service. Quick and pragmatic. They know their and our business.’

‘Marc Gouden is a responsive and pragmatic lawyer.’


Racine is known for assisting Belgian and foreign insurers with issues ranging from professional liability mandates to hospitalisation insurance and coverage issues. The multilingual team is qualified to appear before all Belgian courts. Kathlien Vergels co-heads the team alongside Lieven Van Besien , and liability and insurance law specialist Karen Ronsijn is another name to note.

Practice head(s):

Kathlien Vergels; Lieven Van Besien

Other key lawyers:

Karen Ronsijn

Key clients

AG Insurance


MS Amlin Insurance SE

Avus / SGS Belgium

Axa Belgium


DKV Belgium (member of Ergo-group)


HDI Global SE


Legal Village

NN Insurance Belgium


Van Ameyde Belgium

Argenta Assuranties

HDI Global Specialty SE