Our insurance practice has longstanding experience in disputes arising from property insurance policies and claims, and provides legal services to insurers, insurance intermediaries, corporate clients, and individuals. We also handle life, health and personal accident insurance, surety insurance, marine insurance, and insurance matters involving transportation, logistics, engineering, and construction. Our team provides end-to-end legal support, from incident response, coverage and liability analysis, and claims negotiation through litigation, arbitration, and enforcement.

Our team combines experience in advising insurance institutions, resolving insurance disputes, and working within the insurance industry. Drawing on our capabilities in dispute resolution, shipping and logistics, real estate and construction, corporate governance and compliance, and financial services, we bring insights gained from disputes to bear at earlier stages, including policy wording, sales and claims-handling processes, evidence management, and internal risk controls. This enables us to help clients identify risks, strengthen their internal systems, and resolve disputes effectively.

Main service contents：

● Insurance Contracts and Risk Allocation
Review of policy wordings, insurance applications, and product-related legal documents; analysis of coverage, exclusions, insurable interest, the policyholder’s duty of disclosure, and the insurer’s duties to draw attention to and explain policy terms; and advice on insurance arrangements, indemnification mechanisms, and the allocation of liabilities in commercial contracts.

● Claims, Recoveries and Dispute Resolution
Response to insured events, evidence preservation, and coordination of site inspections, loss adjustment, and expert appraisal; analysis of coverage and liability, causation, the scope of loss, and the amount of compensation; claims negotiation, disputes arising from coverage denials, and subrogated recoveries; and litigation, arbitration, mediation, and enforcement.

● Property, Construction and Liability Insurance
Policy review, claims handling, recoveries, and dispute resolution involving commercial property insurance, motor insurance, construction and engineering insurance, public liability insurance, employers’ liability insurance, product liability insurance, and surety insurance.

● Shipping, Logistics and Marine Insurance
Policy review, claims handling, subrogated recoveries, and dispute resolution involving hull insurance, cargo insurance, freight forwarders’ liability insurance, non-vessel-operating common carrier (NVOCC) liability insurance, and shipbuilding insurance.

● Life, Health and Personal Accident Insurance
Policy interpretation and claims disputes involving life, health, and personal accident insurance; the status, rights, and interests of policyholders, insureds, and beneficiaries; and disputes concerning the duty of disclosure, exclusions, payment of insurance benefits, and policy validity.

● Insurance Operations and Compliance
Ongoing legal counsel, corporate governance, and internal controls for insurers and insurance intermediaries; compliance reviews of policy wordings, distribution channels, and claims-handling processes; advice on online insurance, financial consumer protection, customer complaints, and data compliance; investigations into suspected insurance fraud and internal fraud; and compliance reviews and related dispute resolution concerning the investment of insurance funds and insurance asset management projects.