Insurance in Pakistan

AHM & Co

AHM & Co handles issues from insurance disputes and transactions to regulatory compliance, reinsurance matters in addition to agency and brokerage arrangements. The firm represents clients on a whole of contentious matters too before the Superior Courts, insurance tribunals and at other bodies such as the Securities and Exchange Commission of Pakistan. The firm has its head office in Lahore with corresponding offices in Karachi and Islamabad. Adam Hassan Malik - who is admitted both in Pakistan and England and Wales as a barrister - leads the able team and is praised for 'his strategic and excellent advice to clients'. 

Practice head(s):

Adam Hassan Malik


‘The team at AHM keeps your best interests at heart, they ensure that they provide clear and concise opinions, follow litigation with integrity and dedication. Adam is a honest and dedicated individual to work with, his organised approach and reminder system make it efficient to work with him’.

‘AHM & Co is a professional firm with a team of good lawyers. Our work is mostly with Adam Hassan Malik who leads the AHM & Co team. He has an excellent understanding of The Insurance Ordinance and The Company Act. He has represented us in Superior Courts on various matters of insurance and company law’.

‘AHM & Co. are field leaders in the area of insurance law. They are the only firm we have come across in Pakistan that focus solely on insurance practice and therefore are better versed in the law, most recent judgments and generally how to manage regulators in the insurance sector. This is invaluable for the company, as it allows us to get top quality legal services for insurance whilst being a top priority client due to the focused practice despite not having to pay exorbitant legal fees. The biggest strength of the firm is its prompt correspondence and automated updating on all matters provided to them for their service. Due to their tech savvy approach, they have helped us understand how to improve our internal processes, including taking direct online updates through the civil courts e-system which they helped us gain access to and learn how to operate’.

‘Adam Hassan Malik is an outstanding litigator who includes us in all case strategy and keeps us apprised of all court proceedings, including conveying legal technicalities in very easy to understand terms’.

‘Knowledgeable team, one can’t find a better insurance law firm in Pakistan. AHM & Co has top flight expertise and  the response time is efficient. Adam Hassan Malik is a stand out partner in the insurance domain. Determined, responsive and with a keen eye for detail. Always looking for a solution rather than problems, and with client’s best interest always to the fore’.

‘Vigilant and agile in dealing in litigation, timely responses and highly capable’.

‘Adam Hassan Malik is an outstanding lawyer. He studies each case very deeply’.

‘Adam Hassan Malik has vast knowledge of insurance practices in Pakistan, he is well aware of the insurance ordinance, insurance rules, Takaful rules, and other laws made thereunder’.

Key clients

Munich Re

Pak Qatar Family Takaful Limited

Pak Qatar General Takaful Limited

Adamjee Life Assurance Co Ltd

Crescent Star Insurance Limited

Salaam Pakistan (Formerly Takaful Pakistan)

PICIC Insurance

Pak Qatar Investment (Private) Limited

Jubilee General Insurance Company

Asia Insurance Company Limited

State Life Insurance Corporation of Pakistan

Pakistan Institute of Insurance

Work highlights

  • Before the Islamabad High Court, successfully challenged a direction under Section 63 of Insurance Ordinance 2000 issued by SECP requiring its client, Crescent Star Insurance Limited, to cease entering into insurance contract.
  • Challenged for its client the SECP’s refusal to allow the withdrawal of excess statutory deposit amount before the Islamabad High Court.
  • Advised a major life insurance company in introducing a plan allowing the government and public companies to delegate governance of employee provident fund to a life insurance company.

FGE Ebrahim Hosain

FGE Ebrahim Hosain is skilled at advising on all aspects of insurance from the legal and regulatory aspects through to advising on insurance policies and claims. The agile team also frequently represents corporate clients in the Superior Courts of Pakistan as well as the Securities and Exchange Commission. Other areas of expertise include representing clients before the Federal Insurance Ombudsman. Notable members of the team include Khwaja Ahmad Hosain, Zaki Rahman and Chaudhary Muhammad Usman .


‘I have recently instructed Khwaja Ahmad Hosain in respect of an insurance coverage dispute. I found Mr Hosain to be very knowledgeable about Pakistani insurance law and he produced a very detailed, thorough and well-written report on some complex and quite technical questions relating to that area of Pakistani law. I found Mr Hosain to be very service-minded and responsive. Mr Hosain was also very reliable in terms of complying with deadlines. I would have no hesitation in instructing him again if I needed Pakistani law advice‘.

Key clients

Zurich International (Pvt.) Limited

Kilam Law

The insurance practice at Kilam Law is led by Ali Ibrahim , who advises on a whole host of contentious and non-contentious insurance related issues. Ibraham regularly advises insurance companies on the regulatory framework as well as also advising insurance companies on issues such as show cause notices or appeals before Pakistan's Securities and Exchange Commission. The team is skilled at advising on conventional insurance as well as takaful.

Practice head(s):

Ali Ibrahim


‘The firm has evolved as our go-to firm in the recent years, in particular for matters in the Punjab province, given their partner availability, responsiveness and ability to provide out of the box solutions. Their fee structure is more flexible compared to other law firms and they continue to consistently exceed expectations and gain our and the clients’ confidence’.

‘In relation to insurance work, they are one of only two firms in Pakistan that we, as a leading international firm in this sector, would currently recommend to our clients.

‘Ali Ibrahim is a leading practitioner in relation to the Insurance sector and has deep knowledge of the legal issues related to Insurance sector in Pakistan. He has advised our international clients on a number of insurance matters, including many with cross-border aspects. His associates are also better versed with insurance matters compared to other firms’.

‘The team comprises of energetic and professional lawyers who have a sound knowledge of local laws and practice. We work with Ali Ibrahim on an insurance claim dispute.  Ali not only has sound knowledge of insurance law but also he has an ability to understand insurance contract terms. He did a very careful review and thorough reflection on the facts of the case and advised on a reasonable road map to proceed with the case‘.


Key clients

Towers & Hamlins LLP (London)

EFU General Insurance Company Limited

United Insurance Company of Pakistan Limited

Century Insurance Company Limited

SPI Insurance Limited

Interloop Limited

SPI Window Takaful

United Insurance Company of Pakistan Window Takaful Operations

Clyde & Co.

Work highlights

  • Ali Ibrahim is currently representing the United Insurance Company of Pakistan Limited in a Rs.200m insurance guarantee dispute before the Islamabad High Court, Islamabad and the National Accountability Bureau in Quetta.
  • Ali Ibrahim is currently representing the United Insurance Company of Pakistan Limited in a Rs.5bn insurance guarantee dispute.
  • Ali Ibrahim is currently representing EFU General Insurance Company Limited in an appeal that is pending before the Lahore High Court, filed against an order of the Insurance Tribunal concerning a fire insurance claim.

Cornelius, Lane & Mufti

Under the leadership of Salman Butt, the team at Cornelius, Lane & Mufti advises various insurance companies on the full spectrum of contentious and non-contentious matters. Munawar Us-Salam and Shehzad Elahi are also well-regarded for their work in this practice area.

Practice head(s):

Salman Butt

Other key lawyers:

Munawar Us-Salam ; Shehzad Elahi

Key clients

IGI Insurance Limited

EFU General Insurance Limited

Asia Insurance Limited

United Insurance Limited

Work highlights

  • Successfully represented EFU General Insurance Limited in the Supreme Court in a claim for encashment of a mobilisation advance guarantee.
  • Representing a leading insurance company in a claim under a credit insurance policy before the Insurance Tribunal.
  • Representing a leading insurance company in a challenge to the vires of Provincial Stamp Duty on insurance policies before the Lahore High Court.