This sector combines heavy SAMA regulatory oversight with the litigation that arises from claims disputes between insurers and policyholders, meaning insurance businesses genuinely need both regulatory compliance expertise and dispute resolution capability handled by the same firm.
We work with both insurers and, separately, policyholders pursuing legitimate claims, giving us a genuinely complete picture of how coverage disputes actually unfold from both sides of the relationship.
Our Insurance Law service within Finance, Banking & Tax covers both insurer and policyholder representation, and for insurance companies and brokers specifically, ongoing SAMA compliance touches everything from capital adequacy requirements to product approval processes before a new insurance product can actually be sold.
This falls within the same Insurance Law practice, and we help insurers navigate both routine compliance and the specific regulatory questions that arise when launching a genuinely new product category.
Claims disputes arise when an insurer denies or underpays a claim a policyholder believes is legitimately covered, and we represent both insurers defending against claims they believe are genuinely outside policy coverage and policyholders pursuing claims they believe were wrongly denied.
Understanding both perspectives means we can give an honest, realistic assessment of a claim's strength regardless of which side of the relationship a specific client sits on.
Insurance companies face governance requirements that go beyond standard corporate governance, given SAMA's specific expectations around board composition, risk management functions, and actuarial oversight, and our Corporate & Commercial practice coordinates this specialized governance work alongside general corporate compliance.
Getting this governance structure right matters not just for regulatory compliance but for genuinely sound risk management within the insurance business itself.
Takaful, the Islamic alternative to conventional insurance, operates on a cooperative risk-sharing model that needs to be understood differently when structuring or reviewing a takaful product, satisfying both SAMA's regulatory requirements and Sharia board approval simultaneously.
We help takaful operators navigate this dual compliance requirement, coordinating with Sharia scholars where a product's structure needs specific religious approval alongside standard regulatory sign-off.
Larger insurance risks often involve reinsurance arrangements that transfer part of the risk to another insurer, and structuring these relationships correctly matters for both the primary insurer's balance sheet and its ability to actually honor claims if a major loss event occurs.
We help insurers structure these arrangements with genuine attention to how they'll actually perform if a significant claim scenario materializes, not just how they read on paper.
Where a claims dispute genuinely can't be resolved through negotiation, our Disputes & Litigation practice handles formal proceedings, coordinating closely with our Insurance Law team so the litigation strategy reflects genuine insurance-specific expertise rather than generic commercial litigation approach.
This integrated approach matters since insurance coverage disputes often turn on policy interpretation questions that benefit from attorneys who work these files regularly.
Message the firm on WhatsApp to talk through your specific situation, whether you're an insurer facing a regulatory question or a policyholder pursuing a claim.
We give an honest assessment regardless of which side of the relationship you're on.
Yes — our Insurance Law service within Finance, Banking & Tax covers both insurer and policyholder representation.
Yes — this falls within the same Insurance Law practice.
Yes — we help takaful operators navigate the dual compliance requirement of satisfying both SAMA regulation and Sharia board approval.
Yes — we structure these with attention to how they'll actually perform if a significant claim scenario materializes, not just how they read on paper.
Yes — we represent policyholders pursuing claims believed to be wrongly denied, giving you an honest assessment of your claim's actual strength.
Expert Riyadh