Insurance in Belgium


Lydian remains a leading choice for insurance work, advising a wide range of domestic and international insurance companies and regularly being referred work in the sector by international firms. The team advises on regulatory and compliance issues, and represents in high-value claims with international elements in sectors such as construction, automotives, banking, and travel, as well as handling insurance and reinsurance disputes. The ‘highly skilled‘ team is led by the vastly experienced Hugo Keulers  and Sandra Lodewijckx , both specialist insurance practitioners with expertise in the full range of advisory matters and litigation. Partner Jo Willems has a strong record in insurance disputes, while counsel Marijn De Ruysscher focuses on claims and policy coverage disputes.

Practice head(s):

Hugo Keulers; Sandra Lodewijckx

Other key lawyers:

Jo Willems; Marjin De Russchyer


The team led by Sandra Lodewijckx are true business partners, they understand the client’s needs, practical, no nonsense and good network in the insurance sector.’

‘Sandra Lodewijckx has an in depth knowledge of the insurance sector, a broad network combined with excellent technical skills. She understands her client’s needs and will always look for a solution.’

‘Always available group with extensive knowledge.’

‘Hugo Keulers manages all the individuals and he knows what the client expects.’

‘The Lydian team is able to provide quick and detailed support concerning any insurance topic, from regulatory requirement support to corporate legal support.’

‘Good legal knowledge and an eye for potential problems and strategic problem solving.’

‘Reactivity and niche expertise.’

‘Deep experience and knowledge of the market.’

Key clients

AIG Europe Ltd

Lloyd’s Insurance Company NV

Probitas 1492

Arc Europe

Bpost Bank

Furness Professional Risks Europe

International Professional Risks Europe



Corona Direct

United Kingdom Freight Demurrage and Defence Assocation (UKFD)

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

International Transport Intermediaries Club Limited (ITIC)

Great Lakes Insurance SE, (Munich Re Group)

TT Club Mutual Insurance Limited

Hilton Food Group BV

HDI-Gerling Verzekeringen NV

Arval Belgium NV

Cardif NV

Monument Insurance Belgium

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

Amlin Insurance SE

Zurich Insurance Plc

CNA Insurance Company Ltd

Royal & Sun Alliance Insurance (Global)

Aon Belgium BVBA / Aon Consulting Belgium NV

Ergo Insurance NV

Ethias SA

Belfius Insurance NV

Baloise Belgium NV


Qover NV

Allianz Global Corporate

P&V Verzekeringen CVBA

SEB Life International Assurance Company

Dual Corporate Risks Ltd.

ARAG SE – Branch Belgium

DAS Belgische Rechtsbijstandsverzekering

Hiscox Europe Underwriting Limited


Liberty Mutual Group

Beluga Insurance Solutions NV

Alta Signa Group

Immoweb Financial Services SA



Euler Hermes

Nationale Nederlanden

Alpha Insurance


Beazley Furlonge Ltd

KBC Verzekeringen


AG Insurance



Work highlights

  • Representing MS Amlin and AG Insurance in a multimillion-euro claim relating to to the collapse of a school building under construction in Antwerp.
  • Representing KBC Verzekeringen in a number of high-profile cases with international dimensions, such as the termination of its business relationship with an insurance company in the area of agricultural harvest insurance and a liability matter in Spain regarding a large fire destroying thousands of acres of forest.
  • Advising Lloyd’s Insurance Company on the impact of the Insurance Distribution Directive on its system of governance and distribution model.

Allen & Overy LLP

Allen & Overy LLP has a multidisciplinary insurance offering, encompassing regulatory advice, transactions and financing, tax issues, and litigation. The diverse team is led by litigator Tom Schoors, who handles insurance disputes, including damages claims and post-M&A disputes. Sylvia Kierszenbaum has a strong focus on the financial services space, advising insurers and asset managers on regulatory issues for insurance products. Christian Bayart focuses on employment issues, including insurance for employee benefits and pensions, while senior associate Niels De Waele advises on insurance products regulations.

Practice head(s):

Tom Schoors


ALTIUS offers a multidisciplinary service to insurers, reinsurers, and intermediaries, advising on M&A, disputes, regulatory compliance, and data protection concerns. The team has expertise in regulatory and legislative frameworks for the insurance sector, is able to handle cross-border contracts and transactional work, and handles a combination of insurance and indemnities litigation. The team is led by Alexander Hansebout, a specialist in complex international disputes and litigation, alongside Jérôme Vermeylen, who focuses on transactions, corporate law, and restructurings.

Other key lawyers:

Stijn Van Schel


The team has specialists in every field, so that complex interdisciplinary cases are handled excellently. They are always available and flexible. Their attitude makes them a real pleasure to work with.’

‘Alexander Hansebout offers professionalism, very large practical experience and wide knowledge. His commitment makes you confident that your case is in good hands. However, Alexander is not only an excellent lawyer but also a great person. With his personality, working with him is a pleasure. Another stand-out lawyer is Stijn Van Schel – his broad knowledge and methodical approach make him an excellent lawyer.’

‘I would like especially to highlight Jerome Vermeylen. Jerome has a great experience in Corporate and Insurance law, lots of practical cases already successfully managed. The projects that we’re managing together with Jerome were always perfectly planned both in terms of timing and the resources allocated. Jerome was always available to meet, listen and propose new solutions taking into consideration some new obstacles appearing in the project.’

‘They are excellent lawyers – very efficient, responsive and a pleasure to work with.’

Key clients

Aetna Insurance

AG Insurance




Work highlights

  • Advising Mapfre on its operational and regulatory response to the Covid 19-crisis.
  • Advised Mapfre Asistencia Belgium on the restructuring of its Belgian activities.
  • Advised the managers in the share capital of Vander Haeghen & CO SA on the sale of a majority stake to P&V Assurances.


CMS advises insurers and brokers on claims defence and insurance coverage matters, as well as high-value market loss and catastrophe claims. The practice has expertise across W&I and D&O policies, insurance litigation, regulatory issues, and data protection for insurance sector clients, and has an active cross-border reach throughout Europe as well as domestic capabilities. An extensive senior team combines financial services regulatory and litigation expertise, and is led by Virginie Frémat, Carl Leermakers, Benoît Vandervelde, and Tom De Cordier, with senior associate Julie De Pauw a key contributor across policy reviews, liability, and claims.

Other key lawyers:

Julie De Pauw


‘Benoit Vandervelde is hands on and thus provides advice which can be applied by companies.’

‘Benoit Vandervelde is easy to reach, giving short to the point advice and pleasant to work with.’

‘The are various disciplines from compliance to fiscal and business itself. It is useful to have the various people together inhouse, that avoids delays. Response times are very good.’

‘High level of service, outstanding insurance practice, very pragmatic with a market leading reputation for Cyber and Environmental Risks cases and insurance coverage cases.’

‘Virginie Fremat- high level of expertise, well respected, service oriented and pragmatic approach.’

‘Julie De Pauw- excellent technical and industry knowledge, handling complex liability cases.’

‘Competent and effective in resolving claims from various technical fields.’

‘We mainly have been working with Virginie Fremat. She handles our cases together with various colleagues, depending on the focus of the case.’

‘Responsive & pragmatic.’

‘Virginie Frémat – efficient, gives answers we can understand. Understands business issues, solutions driven.’

Key clients


Financieel Adviesburo

Ardonagh Speciality

AIG Cyberedge







Cigna Life Insurance Company








North Europe Life Belgium

North Europe Life Luxembourg

Work highlights

  • Advising Chubb on its obligations towards an insured under an environmental policy.
  • Advising asset manager Financieel Adviesburo on several claims from its clients/investors in a class 23 policy issued by a private insurer.
  • Advised Belgian InsurTech Qover on its strategic partnership with the neo-bank Revolut within 34 countries.

DLA Piper

DLA Piper advises a number of insurance companies and reinsurers, alongside insurance tech start-ups and GAFAs on an array of commercial and regulatory issues, including project documentation, distribution agreements, acquisitions and portfolio transfers. The team also has expertise in Belgian and European regulations across governance and consumer protection. Pierre Berger specialises in financial services products and regulatory work, and advises a combination of insurers, banks, and financial institutions on insurance products and projects. Experienced litigator Bob Martens handles claims and D&O disputes.

Practice head(s):

Pierre Berger

Other key lawyers:

Bob Martens


‘DLA offers a large team of professional specialists. They are flexible in the way they are working and thinking and are open for discussion to have a good understanding of clients’ objectives.’

‘Pierre Berger is a top lawyer, a professional that is modest and open minded.’

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

Work highlights

  • Representing Assuralia in securities tax litigation.
  • Advising Patronale Life on the review of its terms and conditions, privacy policy and outsourcing arrangements.
  • Advised Volvo Cars on various insurance and insurance mediations.

Philippe & Partners

Philippe & Partners advises insurers, financial institutions, and intermediaries, including national and international names, on a wide range of issues, including data protection and wider corporate governance issues, regulatory issues, and product distribution, alongside representing in contentious proceedings and litigation. Of note is the firm’s cross-border expertise, particularly relating to Luxembourg-domiciled work, and its expertise in regulatory developments including the IDD and GDPR considerations relating to health insurance. The practice is led by Pierre Moreau , who advises on the full range of domestic and cross-border insurance issues, and Marc Gouden, who handles both advisory work and litigation for a number of insurance industry clients.

Practice head(s):

Pierre Moreau; Marc Gouden

Simont Braun

Simont Braun offers strong regulatory expertise to established and challenger insurance clients, with notable capabilities in life insurance, insurtech, and the start-up insurance space. The practice also works with clients on transactions, commercial contracts, and tax issues. The practice is jointly led by counsel Thomas Derval, who is active on behalf of life insurance clients and focuses on litigation, financial regulatory specialist Philippe De Prez , and Joan Carette, who combines financial services and innovation technology expertise.

Practice head(s):

Thomas Derval; Philippe De Prez; Joan Carette


We don’t need only to know laws and regulations but also how to implement them in our activities. Simon Braun’s lawyers have this purpose in mind by identifying pragmatic solutions to assist us in order to comply with rules without fundamental changes of operational system.’

Transparency, access to different skills (insurance, tax, civil law, ….).


Stibbe works with insurers across a wide range of products, including life and non-life insurance, product liability, and property insurance, handling insurance claims and associated litigation, regulatory issues, and insurance sector M&A. The firm also has integrated tax expertise, advising clients on fiscal issues relating to insurance. The practice is led by Oliver Stevens, who has a strong record in litigation and arbitration, representing insurers in class action proceedings and investment losses suits, as well as matters relating to professional indemnity. Counsel Sophie Bourgois has a similar focus on contentious matters, representing clients in international arbitrations and cross-border disputes.

Practice head(s):

Oliver Stevens

Other key lawyers:

Sophie Bourgois


The team provide concise and helpful advice.’

Key clients

AGB Kunsten & Design

AG Vespa

Alpha Credit

Antwerp Port Authority



AXA Belgium

Bank Vontobel

Belfius Bank

BNP Paribas Fortis

Brussels Airport Company


De Goudse

Delta Lloyd



Emerisque Cavaliere

European Parliament

Flemish Government


Irish Life plc

KBC Group

KBC Verzekeringen


Monument RE

MS Amlin


P&V Verzekeringen

Private Insurer

VIB Bio Incubator


Work highlights

  • Advising Museum of Fine Arts Ghent on its insurance claim against the underwriters under an event cancellation policy following the closure of an exhibition due to the Covid-19 pandemic.
  • Representing MS Amlin in various proceedings launched by (indirect) victims of the 22 March 2016 terrorist attacks before the Brussels courts.
  • Advised Integrale on the acquisition of its insurance portfolio by MonumentRe.

Baker McKenzie CVBA/SCRL

Baker McKenzie CVBA/SCRL advises a wide range of insurance sector clients, including bancassurance providers, insurers, distributors, and insurtech challengers, with a strong focus on regulatory compliance and the distribution of projects in Belgium. The team also advises on corporate and commercial issues, post-Brexit relocation plans, and represents clients before Belgian courts in disputes, enjoying productive relationships with Belgian authorities and regulators. The team is led by Michael Van Acker, who has a strong record in the financial services space, alongside Olivier Van Den Broeke, a senior associate specialising in insurance sector regulatory work.

Practice head(s):

Michael Van Acker; Olivier Van den Broeke

Key clients

Baloise Belgium NV

The Navigators, Inc.

Lombard International Assurance

Novus Underwriting

Imperium Insurance

Amazon Insurance

Cardif Lux Vie

FCA Capital

KBC Verzekeringen

Waard Leven N.V.

Goudse Levensverzekeringen N.V.





Conservatrix N.V.

Insurem Insurance Limited

Cigna Life Insurance Europe NV

Generali Luxembourg

AG Insurance NV

Quilter International Ireland

KPMG Law in Belgium

KPMG Law in Belgium advises its broad client base of insurers and insurance providers on the regulatory aspects of transactions, including the transfer of life and non-life insurance portfolios, insurance and financial services sector regulatory issues, and licensing for international providers looking to launch products in Belgium. Alongside insurance sector companies, the practice, led by specialist financial services regulatory practitioner Isabelle Blomme, also supports financial institutions and banks both as insurance providers and in financing transactions.

Practice head(s):

Isabelle Blomme

Key clients

Athora Belgium

Attijariwafa Bank Europe

Baloise Insurance

Bpost Bank


FCA Bank, Belgian branch

Groupe LFPI

HDI Global

Lloyd’s Insurance Company SA



QBE Europe


Toyota Financial Services

Work highlights

  • Advising Athora Belgium on the requirements relating to regulatory compliance with the new Sustainable Finance Disclosure Regulation.
  • Advising the interim directors of Intégrale SA/NB appointed by the regulator, the Belgian National Bank, on the sale of Integrale NV/SA to MonumentRe.
  • Advising Baloise on various regulatory issues.