Insurance & Reinsurance

Contentious Insurance, Coverage, and Regulatory Disputes under Pakistani Law

JuristiQ Chambers advises insurers, reinsurers, financial institutions, and corporate insureds in complex insurance and reinsurance disputes governed by Pakistani law, with a particular focus on coverage litigation, recovery actions, and regulatory enforcement. Our work is rooted in the Insurance Ordinance, 2000, SECP regulatory framework, and Pakistan’s civil and constitutional jurisprudence.

We regularly appear before District Courts, Commercial Courts, Banking Courts, High Courts, and arbitral tribunals, and act in matters where insurance disputes intersect with banking, energy, construction, and public law.

Insurance Coverage & Policy Construction Disputes

We act in disputes concerning the interpretation, enforcement, and repudiation of insurance contracts, including:

• Property, fire, burglary, and industrial all-risk policies

• Engineering, CAR/EAR, and machinery breakdown policies

• Marine insurance and cargo claims under Pakistani maritime practice

• Business interruption and consequential loss claims

• Policy exclusions, warranties, conditions precedent, and disclosure obligations

Our advocacy is grounded in contractual interpretation principles under Pakistani law, supported by English insurance jurisprudence where persuasive.

Repudiation, Claims Handling & Recovery Actions

JuristiQ Chambers advises on disputes arising from:

• Repudiation or delayed settlement of insurance claims

• Allegations of non-disclosure, misrepresentation, or breach of warranty

• Disputes involving surveyors, loss adjusters, and technical experts

• Subrogation actions and recovery proceedings against third parties

• Contribution disputes between co-insurers

We regularly seek and resist interim relief, appointment of commissioners, and preservation of evidence, particularly in high-value commercial losses.

Reinsurance & Cross-Border Insurance Disputes

We represent cedants and reinsurers in disputes involving:

• Treaty and facultative reinsurance arrangements placed through international markets

• Back-to-back coverage and follow-the-settlements issues

• Jurisdiction and arbitration clause enforcement

• Recognition and enforcement of foreign arbitral awards in Pakistan

• Parallel proceedings involving foreign reinsurers and local insurers

Our experience includes managing Pakistan-seated litigation alongside offshore arbitrations, ensuring procedural coherence and enforceability.

Insurance Regulatory & SECP-Centric Litigation

We advise insurers, intermediaries, and directors on disputes arising from SECP regulatory oversight, including:

• Challenges to inspections, directions, and enforcement orders

• Penalties, licence suspension, and compliance proceedings

• Fit and proper criteria disputes for directors and key officers

• Policyholder complaints escalating into regulatory or constitutional litigation

We routinely invoke constitutional remedies under Article 199 where regulatory action exceeds jurisdiction or violates due process.

Insurance in Construction, Energy & Infrastructure Projects

We regularly act in insurance disputes arising from major Pakistani projects, including:

• CAR/EAR and delay-related insurance disputes in construction contracts

• Insurance issues in power, oil & gas, LNG, and infrastructure projects

• Allocation of insured risk between employers, contractors, and lenders

• Claims linked to defects, force majeure events, and catastrophic losses

These matters often involve multi-party proceedings, expert evidence, and regulatory scrutiny, requiring coordinated dispute strategy.

Our Approach

Insurance disputes in Pakistan demand procedural precision, regulatory awareness, and forensic handling of evidence. We offer:

• Strong trial and appellate advocacy in insurance coverage litigation

• Integrated expertise across insurance, banking, construction, and energy disputes

• Experience in SECP-driven enforcement and compliance litigation

• Commercially focused dispute resolution strategies

Our objective is to secure predictable outcomes and enforceable relief within Pakistan’s legal and regulatory framework.

Related Expertise

Construction & Projects · Energy & Resources · Banking & Finance · Commercial Arbitration · Civil Fraud & Asset Recovery