Insurance & Reinsurance


Today’s challenging, competitive and constantly evolving insurance and reinsurance industries have been determined by the market participants that sectorial professionals are needed for commercial, corporate and regulatory advice. Likewise, one of the greatest challenges faced by insurance companies is the regulatory change in the global insurance and reinsurance sectors. A&T effectively responds to these necessities by offering in-depth industry knowledge as well as the commercial and legal expertise.

We advise our clients how to achieve their outcomes in an efficient and effective manner whether they are sector-related companies or individuals. We also advise on the development of regulatory changes by anticipating market requires in the light of the latest legal and commercial trends in order for our clients to create business opportunities as well as building a vision of the future.

We have an in-depth understanding of our clients’ business routes and the ability to assist them with the regulators and the market fluctuations. That ability enables us to address and respond to any potential risks before they occur since early identification of insurance matters has impacts on business strategy, underlying processes, system management and any other fundamental aspects of the sector.

In addition, we have an extensive global network of legal and commercial contacts, consultants and correspondents whom we are easily able to co-ordinate so that any risky situations of our clients can be avoided in advance. Our global approach also enables our clients to benefit from our risk mitigation strategies as well as the experience of dealing with disputes within the sector.

As one of the main objectives of A&T, we are dedicated ourselves to provide not only a broad range of local approaches to respond our clients’ legal needs within their operational region, we also work with our clients by comparing global insurance business and provide a window of opportunity to monitor, take precautions and navigate within the sector.    

Our Clients

We advise and act for a broad range of clients across the industry, including: banks, business owners, commodity traders, financial institutions, global and local insurers/reinsurers, governmental entities, insurance and reinsurance brokers and other intermediaries, managing and underwriting agencies, marine intermediaries and service providers, ship and cargo owners, policyholders, protection and indemnity clubs (P&I Clubs), specialist advisers to the insurance industry and syndicates.

What we do in Insurance & Reinsurance

We cover all aspects of Insurance & Reinsurance sector, including:


  • Advising, drafting and negotiation of all types of marine policies, e.g. time/voyage policies, fix/declaration policies
  • Builders’ risk
  • Cargo and freight insurance 
  • CMR policy issues
  • Collision and salvage risks
  • Casualty investigation practice
  • General average
  • Hull and machinery insurance 
  • Lloyd’s market practice 
  • Mortgagees’ interest 
  • Protection and indemnity (P&I Clubs) insurance and third party claims against P&I clubs
  • Resolution of all marine insurance/reinsurance disputes through arbitration, litigation or mediation
  • Ship broking and surveying
  • Strikes 
  • Subrogation

Marine Liability Insurance

  • Charterers’ liability insurance 
  • Freight forwarders’ liability (FFL) insurance 
  • Marine operators’ legal liability insurance 
  • Port authority liability insurance 
  • Shipowners’ liability insurance
  • Shiprepairers’ liability insurance 

Yacht Insurance

  • Fire, lightning, explosion
  • Perils of the sea i.e. capsizing, collision, grounding, storm etc.)
  • Theft of yacht, boat services, machinery or equipment by force
  • Yacht chartering insurance 


  • Accident, sickness, and unemployment insurance 
  • Advising, drafting and negotiation for all insurance/reinsurance related contracts and policies 
  • Allocation issues 
  • All type of property insurance, e.g. earthquake, fire, flood, home insurances, etc.
  • Analysis and resolution of coverage issues
  • Business interruption insurance 
  • Car insurance and claims
  • Collateral protection insurance (CPI) 
  • Commercial and corporate insurance 
  • Coverage, rescission and fraud claims
  • Deal with reinsurance structures 
  • Energy insurance
  • Fidelity and surety bonds
  • Industry loss warranties (ILWs) 
  • Insurance/reinsurance company insolvencies and run-offs
  • Insurance transactions on mergers & acquisitions 
  • Islamic insurance
  • Legal expenses insurance 
  • Life and health insurance and claims 
  • Mortgage insurance 
  • Natural and man-made catastrophes
  • Political risks insurance 
  • Risk and capital management
  • Resolution of all insurance/reinsurance disputes through arbitration, litigation or mediation
  • Social security and national insurance 
  • War and terrorism insurance 
  • Trade credit insurance 
  • Travel insurance 

Liability Insurance

  • Directors and officers liability insurance (D&O) 
  • Environmental liability insurance 
  • Errors and Omissions insurance (E&O) e.g. agents, brokers, third party administrators (TPAs) 
  • Financial institutions 
  • General liability policies
  • Management and fiduciary insurance 
  • Medical malpractice insurance, pharmaceutical and healthcare claims, e.g. claims of doctors, physicians, surgeons and any other healthcare professionals 
  • Professional liability (indemnity) insurance (PI) e.g. accountants and lawyers in negligence, architects and engineers in construction claims 
  • Public liability insurance 

Aviation Insurance 

  • Airport, air traffic control and ground handling insurance 
  • Insurance claims of death, injury and property damages
  • Insurance matters of carriage of passengers and cargo 
  • Policy coverage claims
  • Subrogation recoveries 
  • Supply of products and services liability insurance 


  • Captives
  • Coverage disputes
  • Credit risks 
  • Critical illness business
  • Drafting and interpretation of policy wordings 
  • Insolvency issues
  • Medical trusts 
  • Overseas warranty business
  • Regulatory matters
  • Scrutiny of documents