Next Generation Partners

Insurance in Chile

Acuña & Compañía Abogados

Following the December 2022 departure of former name partner Felipe Hoetz, the former Acuña, Hoetz & Cifuentes is now known as Acuña & Compañía Abogados. ‘Considered among the best firms for insurance and arbitration matters‘, the boutique practice has an enviable market-reputation for sizeable insured losses in Chile during adjustment and settlement stages, as well as during judicial proceedings, arbitrations and subrogation actions. Representative high-level work includes acting for the insurers (ACE/Chubb) in judicial proceedings against La Polar, its directors and officers, in relation to a D&O insurance policy’s validity. ‘Possibly the most renowned lawyer within Chile’s insurance world‘, senior partner Alejandro Acuña is an insurance, reinsurance, arbitration and litigation expert, whose track record includes successfully representing domestic insurers in substantial recovery actions. Fellow-founding partner and ‘first-class lawyerLuis Cifuentes has longstanding experience in civil, commercial and white-collar litigation. Key associate Whitney Silva is also on hand to assist with major insurance-related claims.

Practice head(s):

Alejandro Acuña; Luis Cifuentes


Acuña & Compañía Abogados stands out for its excellent service and professionalism – considered among the best firms for insurance and arbitration matters.

High-level professionals, who are very detailed in their review and defence of cases.

All of the lawyers at this firm are exceptionally talented and have extensive insurance experience and knowledge.

Key clients



Southbridge (Fairfax)

Swiss Re

Zurich North America




HDI (Talanx)

USAIG (US Aviation Underwriters)

Work highlights

  • Representing the insurers Ace/Chubb, Liberty, SURA and AIG (now Southbridge/Fairfax) in judicial recovery actions against Costanera Norte, Spain’s Sacyr and Chile’s Ministry of Public Works, which related to a flood-related loss affecting buildings in Santiago.
  • Representing the insurers (ACE/Chubb) in ongoing judicial proceedings against La Polar, its directors and officers, regarding the validity of a D&O insurance policy.
  • Representing the insurers, Southbridge (Fairfax) and ACE/Chubb, in a loss adjustment procedure concerning a claim filed by water utility ESSAL (after over 1,000 litres of fuel leaked into Osorno’s water supply.


Full-service legal giant Carey fields a nine-strong team that acts for insurers, reinsurers, brokers and insureds on regulatory issues, underwriting and contentious work. With ‘extensive experience in the insurance market’, it consistently advises major international businesses on the structuring of significant bancassurance alliances in the local market, as well as portfolio transfers. On the litigation front, the multi-disciplinary practice is able to leverage the firm’s specialists in construction, energy, investments, data protection, finance and labour during high-stakes losses, loss adjustment processes, disputes, litigation, and arbitration. The practice’s principal figures are Matías Vergara, who acts in major insurance disputes, as well as assisting domestic and international insurance companies on their day-to-day matters; Pablo Iacobelli, an expert in insurance companies’ regulatory corporate issues and insurance-related M&A deals; and Marcos Ríos, whose broad transactional practice comprises insurance and reinsurance work. Key support comes from specialist senior associate Jorge Soto whose past experience includes time at Solunion Seguros de Credito (Mapfre Seguros- Euler Hermes).

Practice head(s):

Matías Vergara; Pablo Iacobelli; Marcos Ríos


The Carey insurance practice is a consolidated team with extensive experience in the insurance market.

The team has an excellent mix of the purely legal and commercial aspects, which allows them to address large insurance businesses’ problems holistically.

Carey’s team has great expertise in insurance issues per se, but also in corporate and M&A matters involving insurance, allowing them to offer excellent service to their clients.

Key clients

Liberty Mutal


BNP Paribas Cardif





Everest Group



Work highlights

  • Advised BNP Paribas Cardif on the negotiation of a 10-year bancassurance alliance with Banco Itaú.
  • Advised Everest Group on the incorporation of its Chilean non-life subsidiary, Everest Compañía de Seguros Generales Chile, to carry out insurance and reinsurance business.
  • Advised Klare, a Chilean digital insurance broker and subsidiary of Banco Santander – Chile, on corporate and regulatory matters (among other issues).

Estudio Carvallo

Estudio Carvallo's highly experienced insurance department is consistently sought out by both local and foreign insurance businesses to advise on coverage analysis and agreements, as well as insurance policies. The large team is also routinely involved in defence-side casualty claims, along with the development of insurance products and registration of insurance-related entities. Among the group’s several active practitioners, general manager Manuel Carvallo is a renowned insurance law expert, whose recent track-record includes the development of sizeable insurance products; Marcelo Simian heads up the firm’s casualty division; and civil and commercial litigation specialist Francisca Román is litigation and property recovery division leader. Also integral to the practice, María Elena Rivera focuses on maritime and damages law, pollution issues, and general liability, while Francisco Bauer litigates liability and insurance contract derivatives.

Clyde & Co

Initially forming an association with Grasty Quintana Majlis (GQM) in early 2020, international law firm Clyde & Co established a permanent presence in Chile in August 2022 when it merged with GQM to form Clyde & Co in Santiago. The five member group’s ‘specialists in insurance issues‘ are highly respected for litigating civil liability, recovery and coverage issues, as well as their advice on regulatory compliance matters and corporate work. The insurance and insurance dispute resolution practices are both led by disputes specialist Jorge Meneses; managing partner Franco Acchiardo heads the firm’s work on insurance industry-related corporate, M&A and financing deals; and recently-promoted legal director Alejandro Quintana V's insurance and reinsurance capabilities include defence-side contentious stages and subrogated claims. The team was significantly boosted with the January 2023 recruit of former Acuña, Hoetz & Cifuentes name partner Felipe Hoetz, an insurance market veteran and insurance, reinsurance and claims settlement specialist.

Practice head(s):

Franco Acchiardo


Specialists in insurance issues and very experienced.

Good availability and interested in new trends.

Provides multidisciplinary support and stands out for its good availability, and openness to discussing issues and giving opinions.

Key clients

Orión Seguros Generales

Laboratorio Maver

CNA Insurance

Hannover Re

IAT Insurance Group



Air Lama Helicopters


Work highlights

  • Defended Orión Seguros Generales against a coverage claim.
  • Advised IAT Insurance Group on the negotiation and subscription of insured party Tecno Fast for its US operation.
  • Advising Lockton Chile Corredores De Reaseguros on its legal requirements.

DAC Beachcroft Chile

Acting for both insurers and reinsurers, DAC Beachcroft Chile acts across the Lloyd’s, London, European and US markets. The 10-strong insurance practice is particularly noted for its expertise in high-stakes claims involving arbitration, mediation and litigation. The regional head of the firm’s Latin American practice, Andrés Amunátegui's track record covers both the local and the international market, in relation to property, casualty, liability, cyber and financial institution-related claims, as well as recovery actions; Macarena Cámbara (a June 2022 recruit from Zurich Insurance Chile) leads the insurance team in Santiago; Guillermo Amunátegui is an insurance-regulatory expert; and consultant Edmundo Agramunt is a former MAPFRE Chile legal head. At associate level, Nicolas Le Blanc is experienced in advising the London market; Javier Moya leads the litigation and arbitration team; and Andrés Faraggi acts in claims-control matters concerning property, casualty and product liability losses. Former associate María Jesús Pérez recently departed to join FINSA as head of insurance.

Practice head(s):

Macarena Cámbara

Key clients


Hiscox Miami/London

Zurich London

Munich Re


Starr Miami


Liberty Mutual Insurance Company

Chubb LatAm

AIG Spain

Work highlights

  • Advised Zurich (alongside the firm’s London office), as the primary-layer insurer of ENAP, in respect of an oil spillage that occurred in 2016, which affected the Quintero Bay seabed.
  • Advised Liberty Mutual Insurance Company on the coverage and handling strategy regarding the theft of a safety box.
  • Advised Hiscox (as underwriter) on the coverage and handling strategy regarding property damage loss suffered by the insured, Servicio de Agua Potable y Alcantarillado de Lima.


With ‘excellent knowledge of insurance issues‘, the Santiago branch of global law firm Kennedys has wide-ranging insurance and reinsurance law expertise. The four-member team is particularly active in regulatory matters, along with claims management and the defence of insurance companies. With regard to claims, the group is notably active in relation to property, as well as business interruption policies concerning the construction, mining, financial and retail sectors. The practice also assists with policy writing, coverage reports and insurance industry-related corporate law issues. Appointed general counsel of Latam Trade Capital in January 2023, former department head Mario Diemoz moved to an of counsel position in April; nevertheless, he continues to advise London market reinsurers and domestic insurers on regulatory matters, while litigation leader Gian Carlo Lorenzini (‘excellent negotiation skills’) is on hand for insurance-related pre-litigation and litigation issues. The practice was strengthened with the return of Rodrigo Hayvard as a partner in August 2023 after four years at FID Seguros, where he came to be General Counsel and Chief Compliance Officer. At senior associate level, Daniel Silva is the current chair of the local chapter of the Young International Association of Insurance Law, but Pia Parmar  left the firm in June 2022.

Practice head(s):

Mario Diemoz; Gian Carlo Lorenzini


The firm has excellent knowledge of insurance issues and a great capacity for work. The billing is also especially convenient.

Kennedys Chile has an excellent insurance practice, with extensive experience in the market.

Clients highlight Gian Carlo Lorenzini, a lawyer who specialises in insurance, particularly litigation involving insurance.

Key clients

Chubb Seguros Chile

Mesos Corredores de Seguros

Parque Arauco

Banchile Inversiones


Liberty Mutual Insurance Company

Seguros Generales Suramericana

Cardif Seguros Generales

Corredora de Seguros La Cámara

Corredora de Reaseguros La Cámara

Divina Pastora Seguros de Vida


Compass Group

Inversiones Loop

Conosur Corredores de Seguros y Reaseguros

Work highlights

  • Providing day-to-day advice to Chubb Seguros Chile, in relation to regulatory compliance and product issues.
  • Advised Mesos Corredora de Seguros on its sale to Marsh.
  • Ongoing advice t0 Corredora de Seguros La Cámara on day-to-day issues.

Pumpin, Dorfman, Nasser, Diaz (PDND)

Pumpin, Dorfman, Nasser, Diaz (PDND)'s eight-strong insurance group ‘stands out for its extensive knowledge of all insurance law areas'. The team advises domestic and foreign insurance and reinsurance companies on product design, commercialisation matters, compliance with regulations, and fair treatment and business conduct issues. Other areas of strength include corporate and competition law, litigation, arbitration, and administrative proceedings before the Financial Market Commission (CMF) and other regulatory bodies. The insurance practice houses four active name partners: the current director of the Revista Chilena de Derechos de Seguros (Chilean Journal of Insurance Law), Marcelo Nasser, ‘a lawyer with an admirable career in insurance work'; Ignacio Díaz, a specialist in commercial, transport, insurance and consumer protection law; Mauricio Dorfman, whose practice covers corporate advice, labour law, civil liability, litigation and arbitration; and land and maritime transportation practitioner Gabriel Pumpin.

Practice head(s):

Marcelo Nasser; Ignacio Díaz; Mauricio Dorfman; Gabriel Pumpin


Stands out for its extensive knowledge of all insurance law areas, counting among the ranks highly prestigious and renowned lawyers who advise insurance companies.

Professionalism and solid knowledge, not only of insurance legislation but also civil liability and consumer law matters.

The four partners are of high professional standards, and able to litigate on strictly legal and technical grounds, without the need to resort to unnecessary delays in order to confuse the court.

Key clients

Zurich Chile Seguros Generales

Zurich Chile Seguros de Vida

Renta Nacional

Reale Seguros

Metlife Chile Seguros de Vida

Continental Seguros

Liberty Chile Seguros Generales

TT Club

Rimac Seguros

RRA Abogados (Ríos Abogados)

Launched by partners of what was RTA Abogados in 2019, the former RRG Abogados underwent further changes in May 2023, becoming RRA Abogados (Ríos Abogados) following the departures of Stefanie Ramdohr and associate Esteban Rebagliati. With ‘high-level knowledge of the insurance sector‘, the eight-strong practice is well-versed in high-stakes litigation, arbitration and claims (life, health, property, surety, liability and business interruption), along with insurance-related corporate and regulatory advice. It also assists with the establishment of new insurance companies (both life and non-life). Heading up the firm, Roberto Ríos has over 25 years’ enviable experience in the Chilean insurance market. Fellow partner Alonso García is a labour liability insurance and medical liability claims specialist, while key associate support comes from litigator Mariela Schulze and Josu Otegui de Los Santos, whose practice encompasses insurance and reinsurance, along with associated corporate and regulatory matters.

Practice head(s):

Roberto Ríos Ossa


High-level knowledge of the insurance sector, which allows it to provide an excellent service when resolving complex conflicts.

Capacity for strategic analysis within the advice.

Roberto Ríos has high levels of specialisation and knowledge in this area.

Key clients

Zurich Chile Seguros Generales

Reale Chile Seguros Generales

Liberty Compañía de Seguros Generales

Zurich Chile Seguros de Vida

Chubb Seguros Chile

Consorcio Seguros Generales

Zurich – Santander Chile

Everest Compañía de Seguros Generales Chile

Contempora Compañía de Seguros Generales

Aseguradora Porvenir

Help Seguros de Vida

Penta Compañía de Seguros de Vida

Work highlights

  • Acted for Liberty Compañía de Seguros Generales in a claim concerning the Rio Mapocho overflow.
  • Defended Reale Chile Seguros Generales Chile against charges formulated by the Financial Market Commission for allegedly infringing the technical reserves and solvency rules.
  • Acted for Liberty Compañía de Seguros Generales in a lawsuit deriving from a work-related accident, which concerns the civil liability of BIOSAR (insured).

Vergara, Fernández, Costa & Claro

The highly experienced multidisciplinary insurance group at Vergara, Fernández, Costa & Claro covers major disputes involving insurance companies, negotiations with insurers, and the design and structuring of alternative forms of risk cover. The key practitioners are commercial group leader Sergio Fernández, who co-leads the firm’s insurance team alongside civil liability head Gloria Claro, a former senior vice-president at Marsh McLennan Companies; and counsel Manuel García de los Ríos, whose experience includes over 25 years at German insurance group Allianz. Within the associate ranks, Catherine Campbell and Andrés Schlack both maintain active insurance practices.

JJR Abogados

With ‘in-depth and excellent knowledge of the local and international legal framework', JJR Abogados' insurance and reinsurance group has significant experience in advising the London and worldwide reinsurance markets. The four-member team’s specialisms range from political risks, earthquakes and liability, to drafting insurance terms and conditions, Chilean compulsory adjustment procedures and regulatory work. Its expertise further covers major litigation and arbitration cases. The principal figures are founding partner Ricardo Rozas, ‘a well-known lawyer internationally', who has vast experience in shipping and logistics; and maritime transportation specialist Max Morgan. Key associate Stefano Perretta predominantly acts in insurance, reinsurance and transport-related disputes.

Practice head(s):

Ricardo Rozas; Max Morgan


In-depth and excellent knowledge of the local and international legal framework.

Great experience and pragmatic solutions.

Excellent support of clients’ interests.

An experienced and consolidated team, so clients don’t have to explain much to them since they know the business and the industry so well.

In addition to technological innovations, the team has a great network of contacts and a lot of know-how within the maritime business.

Ricardo Rozas is the public face of this firm, and a well-known lawyer internationally. His partner Max Morgan is also highly regarded by clients.

Max Morgan is a professional with exceptional experience – a brilliant and quick thinker.

Max Morgan has a very positive attitude. He manages even very complex situations with professionalism and ease. It is a pleasure to work with him.

Key clients


UK Club

North of England

The Steamship

The Standard

Japan P&I Club

XL Global Services


Hannover Group

Axis Group

The Shipowners Club

Atlantic Insurance & Reinsurance Brokers

Molina Ríos Abogados

The four-member insurance group at boutique law firm Molina Ríos Abogados, which ‘compares very favourably with other firms for construction insurance', is highly experienced in insurance sector-related negotiations and assessments, as well as substantial arbitration and litigation. The team’s expertise encompasses a range of insurance policy risks, such as international credit, all-risk, civil responsibility, guarantee and life insurance. The firm is also a key promoter of Chile’s Centre of Insurance Arbitration, ARIAS LatAm, which has specific procedures for insurance disputes, and intends to establish its presence across the region. Team head and Mapfre Chile’s current chair, Carlos Molina, is an arbitrator for the Chilean Insurance Association (AIDA-Chile), where fellow partner Felipe Correa is a member of the dispute resolution committee. In a significant development, since publication the firm has announced a strategic alliance with the UK-based Fenwick Elliott LLP - effective as of March 2024.

Practice head(s):

Carlos Molina


Very strong in the area of ​​guarantee insurance (performance bonds) due to its natural link with construction where the firm is a market leader.

Compares very favourably with other firms for construction insurance.

Construction and compliance insurance are specialised areas of ​​insurance law that few firms address – Molina Ríos does it with great quality and knowledge, thanks to the work of Carlos Molina and the strong support of Felipe Correa, one of the most relevant lawyers in this area.

Key clients


Banco Santander (Armas Construction Group)

Mapfre General Insurances

Sur Asistencia

Mapfre Life Insurance

Caja Reaseguradora de Chile

Emin Ingeniería y Construcción


Mainstream Renewable Power

Work highlights

  • Advised EMIN on the specific performance of a mining project-related insurance policy.
  • Acted for Banco Santander, ILC Investments and Armas Group in arbitration against Cesce Insurance Company.
  • Advising Mainstream on the insurance aspects of the development of six wind farms and a solar photovoltaic plant.

Peralta Sandoval Llaneza Gutiérrez

Launched during 2022, Peralta Sandoval Llaneza Gutiérrez’s eight-strong practice fields specialists in insurance and reinsurance-related regulations, compliance and litigation. The group, which ‘perfectly understands the nature of the insurance business‘, is experienced in advising insurers and reinsurers on complex cargo, property and adjustment of casualty matters. It is also regularly mandated for major insurance claim disputes involving losses and coverage issues. At name-partner level, Luis Sandoval is highly rated for his representation of insurers, reinsurers and brokers’ interests, and Ricardo Peralta is a renowned arbitrator of commercial matters. The associate to note, Mildred Barrientos advises on both insurance and litigation matters.

Practice head(s):

Luis Sandoval


An excellent team of professionals that makes PSLG one of the best law firms in the insurance field.

High-level professionals who provide an excellent service on time.

A team of lawyers with extensive experience and professionalism.’

Prieto Abogados

Prieto Abogados' seven-strong team has strong insurance regulatory credentials in relation to the formation of new (or the acquisition of) existing insurance companies. The group also has extensive experience in insurance product-related distribution agreements, such as bancassurance agreements, and mortgage-related, cell phone protection and extended warranty policies. It is additionally active in claims against insurance companies, as well as negotiating tailor-made insurance policies. The department’s principal adviser is insurance regulatory specialist Patricio Prieto L, who advises on insurance distribution agreements, policy drafting, and group policy-related matters. Former associate María Cristina Ríos exited the firm in May 2022 for Coca Cola Andina.

Practice head(s):

Patricio Prieto L

Key clients

Assurant Chile Compañía de Seguros Generales

American Bankers Life Insurance Company of Florida

HDI Global Network

HDI Global


Seguros Generales Suramericana

Southbridge Compañía de Seguros Generales

Chubb Seguros de Vida Chile

HDI Seguros

Seguros Generales Suramericana

Work highlights

  • Acted for Seguros Generales Suramericana in judicial proceedings concerning a claim made by Inversiones Futuro.
  • Advised Delivery Hero E-Commerce Chile on the review and analysis of its Chilean insurance policy programme.
  • Assists American Bankers Life Assurance Company of Florida (on a daily basis) on every aspect of its operations in Chile.

Barros & Errázuriz

Barros & Errázuriz's insurance team routinely assists major insurance companies with both corporate and regulatory matters. Its workload ranges from the incorporation of insurance companies, to corporate governance issues and share participations in insurance companies. The team also assists with the regulatory aspects of technical reserves, investment rules, and risk management and internal control systems. It additionally acts in contentious administrative procedures. The practice is co-headed by corporate law specialist Carlos Ducci; and Javier Díaz, a former lawyer for the Securities Prosecutor’s Office of the Superintendency of Securities and Insurance. Senior associate Albert Harsch also advises on insurance work.

Practice head(s):

Carlos Ducci; Javier Díaz


Excellent knowledge of local market and regulator, as well as the international insurance market.

Carlos Ducci and Albert Harsch provide excellent, prompt, professional advice.

The experience of the team led by Javier Diaz is undoubtedly the strong point of the insurance practice of Barros & Errazuriz. Practical and updated approach with depth of knowledge and also due to his experience in the relationship with regulatory bodies make the service first class.

The partner Javier Díaz, delivers an exceptional service. With deep knowledge but an eminently practical application, he is capable of analyzing complex topics and synthesizing them simply and clearly. Great analytical skills and very up-to-date with the challenges of the industry.

Key clients

Mapfre Compañía de Seguros de Vida

SAVE BCJ Compañía de Seguros de Vida

Fidelis Underwriting


Consorcio Compañía de Seguros de Vida

Work highlights

  • Provides ongoing legal regulatory advice to Fidelis Underwriting.
  • Advising SAVE BCJ Compañía de Seguros de Vida on regulatory issues.
  • Provided legal regulatory advice to both Endurance Worldwide Insurance and SI Insurance (Europe).

Cariola Díez Pérez-Cotapos

A law firm with extensive experience and knowledge in the insurance space‘, full-service firm Cariola Díez Pérez-Cotapos focuses on the construction and retail sectors, particularly in relation to fire, earthquake, robbery and civil liability insurance. The five-strong team’s recent highlights further comprise cases involving credit insurance and cybercrime. The group also advises insurance companies and insurance brokers on the development of new businesses, as well as insurance-related M&A deals. Litigation head Florencio Bernales routinely acts in high-stakes insurance disputes. At associate level, Trinidad Torres is an insurance litigator, and Daniel Washington advises on insurance policies.

Practice head(s):

Florencio Bernales


A law firm with extensive experience and knowledge in the insurance space.

A firm that is characterised by its provision of personalised service to clients.

Clients highlight the commitment of the firm’s insurance and corporate partners to carry out new and strategically-relevant projects for clients.

A lot of knowledge of the matters on which they advise and permanent availability.

Takes the initiative to propose solutions that allow progress.

Great personal commitment and great knowledge from associate Daniel Washington.

Key clients

Ripley Corp

Banco Ripley

Isapre Banmédica

Marsh Corredores de Seguros

Guy Carpenter & Company Corredores de Reaseguros

Isapre Vida Tres


Campbell Global Group

Work highlights

  • Defended Isapre Vida Tres before the Courts of Appeal and the Supreme Court against constitutional actions by its affiliates, which concerned an increase in the base price of health plans.
  • Advised Banco Ripley on the tender of mortgage insurances, which included regulatory advice.
  • Advised Bosques León, an affiliate of Campbell Global Group, on the renewal of business insurance policies.

Contreras y Cia

Specialised in insurance law, Contreras y Cia's longstanding practice focuses on the representation of policyholders and insurance brokers. Recent matters for the ‘powerful work team' cover the preparation of legal reports for insurance disputes; out-of-court advice and judicial representation of policyholders during coverage conflicts with insurers; and assisting insurance brokers with policy analysis. Founding partner Osvaldo Contreras S currently acts as an arbitrator in international insurance trials, while José Manuel Madero and Osvaldo Contreras B co-lead the firm’s insurance litigation practice.

Practice head(s):

Osvaldo Contreras S; José Manuel Madero; Osvaldo Contreras B


Up to date with changes and legal modifications that relate to clients’ interests. They also reports events in a timely manner.

A highly experienced technical team that constantly provides analysis of the laws that impact the market.’

‘A powerful work team that has vast experience, which is recognised by the market.

Key clients

Grupo Patio

Colegio de Corredores de Seguros y Asesores Previsionales de Chile

Asociación de Corredores de Seguros


SIED Chile

Grupo Concretos


Transportes Tansmart Chile y Argentina

Ursus Trotter

AZVI Chile

Hotel Panamericano

Montajes Almonacid

Moveis Chile

Corpstrada Ingenieria

Work highlights

  • Advised insurance brokers (affiliated to Colegio de Corredores de Seguros y Asesores Previsionales de Chile, ACOSEG and ANS) and their policyholders on insurance law and policy coverage conflicts.
  • Assisted several construction companies with claims concerning guarantee policies.
  • Assisted SIED Chile with the settlement process for a claim involving one of its hydroelectric generators.