Legal Practice Area

Insurance Law

Expert legal services for insurers, reinsurers, brokers, and policyholders — from NAICOM regulatory compliance and policy drafting to complex claims disputes and insurance litigation.

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Overview

Protecting interests across the insurance value chain

Our Insurance practice advises insurance companies, reinsurers, brokers, loss adjusters, and policyholders on all aspects of insurance law in Nigeria. We provide regulatory advice, transactional support, and litigation services across life, non-life, and reinsurance sectors.

Nigeria's insurance sector is regulated by NAICOM under the Insurance Act and related legislation. Our team advises on NAICOM licensing, capital compliance, market conduct regulations, and the evolving framework for microinsurance and takaful products.

We also represent clients in insurance coverage disputes, claims arbitration, and subrogation proceedings — bringing technical insurance knowledge to our litigation practice to deliver superior outcomes for our clients.

What We Handle

Key Areas of Practice

NAICOM Licensing & Regulatory

Insurance company licences, broker and agent registrations, NAICOM compliance programmes, and regulatory advisory for insurers and intermediaries.

Policy Drafting & Review

Reviewing and drafting policy wordings, endorsements, exclusion clauses, and conditions precedent to ensure clarity and enforceability.

Claims Disputes & Coverage

Advising on coverage issues, representing insurers and policyholders in claims disputes, and managing coverage litigation.

Reinsurance

Reinsurance treaty and facultative arrangements, retrocession agreements, claims under reinsurance contracts, and dispute resolution.

Insurance M&A

Due diligence, transaction structuring, NAICOM regulatory approval, and portfolio transfers for acquisitions of insurance companies.

Subrogation & Recovery

Managing subrogation claims, coordinating recovery proceedings, and advising insurers on rights of recovery after claims payment.

Our Methodology

Technical expertise meeting commercial pragmatism

Coverage Analysis

We analyse policy wording, conditions, exclusions, and endorsements to provide a clear view of coverage position before disputes escalate.

Claims Management

We advise on claims handling obligations, reservation of rights, and the legal aspects of claims investigation and quantum assessment.

Negotiated Resolution

We pursue negotiated settlements wherever appropriate, applying market knowledge and legal analysis to achieve commercially sensible outcomes.

Litigation & Arbitration

Where disputes proceed to hearing, we provide robust representation in courts and arbitral tribunals, leveraging deep insurance technical knowledge.