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Insurance

Whether you are an insurer, broker, reinsurer or insured party, you face an increasingly unpredictable world. From day-to-day operational matters to strategic planning, liability and disputes resolution, policy drafting, coverage and regulatory issues, your world is changing rapidly as tougher capital and risk requirements impact your business. With 100 specialist lawyers in 33 countries, we are attuned to your commercial interests and can protect them in your home market and across borders. Our approach is based on strong local legal knowledge delivered to you on a European-wide basis by experts who truly understand the insurance sector.

Many of our lawyers have worked in the insurance sector which means we understand the complexities of your markets. Whether you require guidance on claims, regulation policy drafting, wider business disputes, M&A, capital raisings and restructurings, cyber liability, HR, tax, real estate or commercial issues, our multi-disciplinary specialists can help you. We have a recognised domestic and cross-border track record of delivering for clients on the most complex transactional and advisory engagements in this sector. Equally, In the event of a domestic or cross-border insurance or reinsurance dispute, we can guide you through the disputes process, striving to secure the best business outcome.

"The 'sharp', 'tenacious' and 'to-the-point' insurance practice at CMS demonstrates 'a modern-day, hands-on mentality and solution-driven approach' to the cross-border advice it provides for clients including insurers, reinsurers and brokers. Matters typically involve warranty and indemnity provisions, data protection or breach fallout, and rental agreements. Department head Virginie Frémat is praised for her 'high level of expertise' when providing coverage advice and drafting new policies to launch on the Belgian market, while associate Julie De Pauw has 'excellent technical and industry knowledge of complex liability cases'. Benoît Vandervelde made partner in January 2020."

Legal 500, 2021

"CMS is a highly skilled but very approachable and modern law firm. I would say they are more active in engaging in face-to-face contact with their clients than other firms."

Feedback from a client about the department - Legal 500, 2021

"CMS is a hands-on law firm that always seeks amicable solutions for its cases, rather than engaging in lengthy proceedings."

Feedback from a client about the department - Legal 500, 2021

"The individuals all show a modern-day, hands-on mentality and solution-driven approach to their cases."

Feedback from a client about the department - Legal 500, 2021

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11/10/2021
CMS Bel­gi­um as­sisted Howden Bel­gi­um with the ac­quis­i­tion of Sar­ton & As­so­ciés
CMS as­sisted Howden Bel­gi­um with the ac­quis­i­tion of the Bel­gian broker Sar­ton & As­so­ciés SA, along­side Moore, who ac­ted as fin­an­cial ad­visors. The team ad­vising Howden com­prised Vir­ginie Frémat and...
05/10/2021
Bel­gi­um in­tro­duces new in­sur­ance in­dustry cli­ent money and risk trans­fer...
Bel­gi­um re­cently amended le­gis­la­tion on cli­ent money rules ap­plic­able to Bel­gian in­sur­ance in­ter­me­di­ar­ies, bring­ing the law in line with reg­u­la­tions found in the EU­'s In­sur­ance Dis­tri­bu­tion Dir­ect­ive...
05/10/2021
Bel­gi­um in­tro­duces new in­sur­ance in­dustry cli­ent money and risk trans­fer...
Bel­gi­um re­cently amended le­gis­la­tion on cli­ent money rules ap­plic­able to Bel­gian in­sur­ance in­ter­me­di­ar­ies, bring­ing the law in line with reg­u­la­tions found in the EU­'s In­sur­ance Dis­tri­bu­tion Dir­ect­ive...
14/09/2021
CMS M&A European Out­look 2022: Road to re­cov­ery
Septem­ber 2021 We are pleased to provide you with this year’s edi­tion of the “European M&A Out­look”, pub­lished in co-op­er­a­tion with Mer­ger­mar­ket
31/08/2021
Dir­ect­ors of reg­u­lated firms can no longer be bound by an em­ploy­ment con­tract
Un­til re­cently, dir­ect­ors of reg­u­lated firms were per­mit­ted to serve as dir­ect­ors on a self-em­ployed basis and, at the same time, to per­form their op­er­a­tion­al func­tions as em­ploy­ees. Those days are now...
31/08/2021
Dir­ect­ors of reg­u­lated firms can no longer be bound by an em­ploy­ment con­tract
Un­til re­cently, dir­ect­ors of reg­u­lated firms were per­mit­ted to serve as dir­ect­ors on a self-em­ployed basis and, at the same time, to per­form their op­er­a­tion­al func­tions as em­ploy­ees. Those days are now...
11/06/2021
EDPB is­sues Re­com­mend­a­tion on cred­it card data stor­age for one-click pay­ments
The European Data Pro­tec­tion Board (EDPB) has ad­op­ted a new re­com­mend­a­tion on the leg­al basis for the stor­age of cred­it card data by e-com­merce mer­chants for the pur­pose of one-click pay­ment of fur­ther...
01/06/2021
Some leaks can­'t be fixed
“Con­fid­en­tial in­form­a­tion is like an ice cube... give it to the party who has no re­fri­ger­at­or or will not agree to keep it in one, and by the time of the tri­al you have just a pool of wa­ter.” This...
12/04/2021
EU Di­git­al Ser­vices Act gives new leg­al frame­work for plat­form eco­nomy
The European Com­mis­sion has is­sued the draft pro­pos­al for the Reg­u­la­tion on a Single Mar­ket for Di­git­al Ser­vices (Di­git­al Ser­vices Act or DSA), which cre­ates a new leg­al frame­work for di­git­al ser­vices...
21/04/2021
We­bin­ar Be­ne­lux In­sur­ance Bites
We are de­lighted  to in­vite you to our up­com­ing Be­ne­lux In­sur­ance Bites we­bin­ar tak­ing place vir­tu­ally on Wed­nes­day, April 21st from 12.00 – 12.45 CET. In this we­bin­ar, our ex­pert European in­sur­ance...
26/03/2021
Oil & Gas / Ship­ping – The Ever Giv­en
The Suez Canal opened in 1869. Along with the Panama Canal, it is one of the most im­port­ant mari­time “short­cuts” ever built. Today, the canal is 193km (120 miles) long and is one of the busiest wa­ter­ways...
04/02/2021
Law and reg­u­la­tion of force ma­jeure in Bel­gi­um
1. Is there le­gis­la­tion on force ma­jeure in your law sys­tem? Yes. 2. If so, what is the text of the force ma­jeure clause in your civil code? Art­icle 1148 of the Bel­gian Civil Code states: “No dam­ages...