Insurance in United Arab Emirates

Clyde & Co LLP

Clyde & Co LLP is a top choice for all facets of insurance law and its sizeable UAE team provides additional support to the firm’s offices throughout the Middle East region. Insurers and reinsurers, regulators and brokers turn to the team for advice on matters relating to financial lines, marine, trade credit and political risks, cyber, health and insurtech, among others. Wayne Jones has expertise in medical malpractice and health matters; Mark Beswetherick leads on cyber insurance and Peter Hodgins has a varied practice that includes expertise in life insurance and corporate and regulatory issues. Michael Morris has a focus on trade credit and political risk insurance. Michael Ducker was recently promoted to partner.

Practice head(s):

Wayne Jones; Mark Beswetherick

Other key lawyers:

Peter Hodgins; Michael Morris; Alfred Thornton; Michael Ducker; Roshanak Bassiri Gharb

Key clients

Cigna International Corporation

Orient Insurance Company


Qatar Insurance Company

Jordan International Insurance Company

Walaa Cooperative Insurance Company

Orient UNB Takaful PJSC

Work highlights

  • Acting as lead counsel for Cigna in relation to the acquisition of 85% stake in Third Party Administrator with operations in the UAE, Saudi Arabia, Kuwait and Egypt.
  • Acting as non-US counsel for Walaa in relation to a coverage dispute that arises from a liability policy in relation to a claim arising from an energy project in Saudi Arabia.


HFW advises on all aspects of insurance and reinsurance operations across the region. Sam Wakerley is the regional head of insurance and reinsurance and advises clients in the energy, marine and construction sectors, among others. Riyadh practice head John Barlow heads up the firm's regulatory offering in Dubai. Justin Whelan is the go-to contact for cyber security and data protection-related insurance work. Managing partner Richard Gimblett and Charles Cockrell specialise in aviation insurance.

Practice head(s):

Sam Wakerley

Other key lawyers:

Richard Gimblett; John Barlow; Charles Cockrell


‘HFW listen and work collaboratively as though they are an internal business partner.’

‘Justin Whelan as our local partner in Abu Dhabi and provides exceptional client engagement with professional prowess but equally balanced. This is supported by speed of response at all times.’

Key clients


Oman Insurance

Emirates Insurance

Westford Limited

Work highlights

  • Acted for Westford Limited, a trade finance intermediary, in a trade credit insurance dispute against insurers (Archipelago Insurance Limited), following the insolvency of one of its insured buyers.
  • Acting on behalf of flydubai and its insurers in response to the loss of a Boeing 737-800 aircraft that crashed on approach to Rostov-on-Don Airport on 19 March 2016.
  • Instructed by various insurers, reinsurers and policy holders to advise on business interruption claims across 100+ major hotels, restaurants and entertainment venue brands across the UAE, KSA, Bahrain, Qatar and the Maldives arising out of the on-going COVID-19 global pandemic.


Kennedys has a broad contentious and non-contentious insurance practice and has expertise in handling matters involving aviation, cyber security, energy and healthcare. Resident managing partner Peter Ellingham advises insurers and reinsurers on matters ranging from fraud and theft, to claims avoidance and litigation. Nick Humphrey is the primary point of contact for aviation-related insurance work. Senior associate Rishi Sengupta is also noted.

Practice head(s):

Peter Ellingham

Other key lawyers:

Nick Humphrey; Rishi Sengupta


‘A practical team with extensive knowledge of GCC and European, UK and US jurisdictions. Helpful for both local and international business.’

‘I have worked very closely with Rishi Sengupta who has been a great help with a long and difficult case that has potentially many years ahead. He is happy to help with general legal queries and always puts in the time and effort for comprehensive, clear and helpful response.’

Rishi has a detailed market knowledge and is happy to help where he can and is appropriate.’

Key clients





The Oriental Insurance Company Limited (Dubai Branch)

Global Aerospace



The New India Assurance Company Limited (Dubai Branch)

Trust Re

Zurich Insurance Company

Work highlights

  • Instructed by various insurers and reinsurers, to provide coverage advice and representation should matters progress into litigation/arbitration, in relation to numerous claims, including business interruption claims, made by local companies and venues as a consequence of the COVID-19 pandemic.
  • Advising and representing (with local counsel) the Dubai Branch of an international insurer in proceedings brought by an insured claiming in excess of AED 200 million under various insurance policies following a January 2019 fire at a warehouse and plastic recycling factory in Dubai.
  • Representing insurers in proceedings before the ADGM courts brought by the alleged owner of a corporate jet aircraft bringing a policy claim in excess of $60m, in relation to alleged damage the aircraft sustained during a hail storm in Italy.

Pinsent Masons LLP

Pinsent Masons LLP's insurance practice in the Middle East is led by Thomas Bicknell. The practice has a broad scope of expertise which includes life insurance, general insurance, health, savings and investments. As practice head, Tom is a member of the DIFC Insurance Association and has a particular interest in financial regulatory matters, insurtech and life insurance regulation. Marie Chowdhry left the firm in 2021 for an in-house position.

Practice head(s):

Thomas Bicknell

Key clients

Coface Group

National Life and General

AU Group


Providence Life


Partner Re

Work highlights

  • Working to overhaul the flagship product wordings for Coface across all its Middle East markets.
  • Advising on AU Group’s corporate structuring across the region.
  • Advising Providence Life on its expansion plans into open-architecture funds management and digital distribution.

Al Zu’bi & Partners Legal Consultants

Al Zu’bi & Partners Legal Consultants advises a broad range of clients including insurance companies, brokers, underwriters, cargo handlers, airlines and banks. Raghad Hammad heads the practice and has been instrumental in the growth of the firm’s insurance offering. She is an experienced litigator and has an in-depth understanding of the insurance regulatory landscape in the region.

Practice head(s):

Raghad Hammad; Qays H Zu’bi

Key clients

Jordan Insurance Company

Lockton MENA Limited

Lockton Insurance Consultants

Lockton Insurance Brokers

Nasser Lootah Real Estate

Mitsui Sumitomo Insurance Company

Active Re

BSA Ahmad Bin Hezeem & Associates LLP

BSA Ahmad Bin Hezeem & Associates LLP has a broad, cross-border insurance practice and advises regulators and national governments on legislative developments for the insurance sector. Simon Isgar heads the practice and has specialist expertise in international private medical insurance and healthcare regulatory work. Senior associate Anand Singh has a strong background in corporate insurance and regulatory matters.

Practice head(s):

Simon Isgar

Other key lawyers:

Anand Singh


‘The team is diverse and they add great value to your day to day activity. They consult you on almost everything possible.’

‘Great knowledge and commitment to their clients.’

‘Anand Singh – He doesn’t stop at anything and is always looking to provide solutions. I will take my business wherever he goes.’

Key clients

Munich Re


Al Hilal Takaful

Assicurazioni Generali S.p.A. (Generali)

Oriental Insurance Company Limited, Dubai Branch

HDFC Life & Re

Policybazaar India

National Life & General Insurance Company

Berns Brett & Masood Insurance Brokers

Swan Insurance & Reinsurance Brokers

Work highlights

  • Acting on retainer for Policybazaar and advised on entering into a contract with a UAE-based insurance broker.
  • Advised Swan Insurance & Reinsurance Brokers Limited DIFC on licensing and incorporation.
  • Acted as regional counsel for Reynolds Porter Chamberlain (RPC) in respect of a large loss fire claim for London insurance/reinsurance market, including Lloyd’s Syndicates.


Ince has specialist insurance expertise that covers matters that involve property and liability, trade credit and political risks, marine and energy claims. Mohamed El Hawawy heads the insurance practice with Khalid Hamed and focuses on contentious insurance and reinsurance matters. Hamed specialises in marine insurance and handles coverage disputes, predominantly for hull and machinery and mariner cargo insurers.

Practice head(s):

Mohamed El Hawawy; Khalid Hamed

Other key lawyers:

Natalie Jensen


‘Ince is one of the reliable legal firms we deal with here in the UAE. The knowledge and know how along with their high level of professionalism is the main reason why we prefer working with them, specially on the Marine Claims. Also their fees are reasonable compared to the service they provide.’

‘Individuals very responsive, e-mails actioned promptly, regular updates are shared without the need to chase and follow up. We value their level of professionalism and the extended support provided, regardless if it’s a case they are handling or a general query. Our recent dealings with Natalie Jensen supported our view that our cases are well managed by Ince.’

‘Ince’s legal team has a competent and well experienced team of lawyers specialized in the area of admiralty practice which is international in character. They are very flexible in the area of negotiations billing ever ready for clients, emergency assistance and have helped us to meet with the legal challenges in many cases that are unique.’

Key clients

Union Insurance Company PSC

The New India Assurance Co Limited

Union Insurance Company PSC

Lamprell Energy Ltd

Orient Insurance PJSC

Al Sagr National Insurance Company

Work highlights

  • Advising Union Insurance on a AED26 million claim made by a contractor of Emaar (“Pillixy”) under a liability policy in relation to a contract to carry out landscaping work in the construction project of a building called “Burj Vista”.
  • Advising and representing insurers and their insured following a fire at a major shopping plaza in the UAE.
  • Providing comprehensive advice on the high profile EVER GIVEN matter involving the ultra large container ship, which ran aground on the Suez Canal in March 2021.

Norton Rose Fulbright

Norton Rose Fulbright‘s Adjou Ait Ben Idir heads the firm’s insurance offering in the Middle East; Adjou is a corporate insurance specialist and has substantial experience advising clients on cross-border transactions and cyber risk. Counsel Shabnam Karim heads the contentious insurance and liability claims practice and focuses on financial lines and cyber liability insurance.

Practice head(s):

Adjou Ait Ben Idir; Shabnam Karim


‘The Middle East team is well diversified and bring local expertise as well as global experience as part of a practice which deals with insurance matters across the world. Since Shabnam joined to develop the contentious practice, the team is dealing with financial lines and contentious cyber matters across the region. The team also plugs into a global cyber incident response offering where clients have a one hour 24/7 cyber response service.’

‘Shabnam is well respected for her areas of expertise, specifically financial lines and cyber. Shabnam is committed to the Middle East Region and is known for being instructed on high profile and high value Middle East D&O liability insurance cases. She has a good profile amongst the local and global reinsurance community. She is known for being proactive and results driven and a local expert.’

Key clients


American International Group (AIG)

Munich Re

Mediclinic Middle East

Beazley Group