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Insurance

Insurers and/or reinsurers, as well as brokers and insurance sector professionals in general, require specific legal advice from those who are well-versed in the industry and its requirements. From day-to-day operations to strategic planning, liability, dispute resolution and market regulation, the insurance sector demands highly-specialised legal advice.


For over 15 years, our Insurance, Reinsurance and Innovation department has advised local and international insurance companies operating in Spain on the organisation and supervision of their activity, the launch and distribution of insurance-based products in the Spanish market and regulatory issues, as well as on insurance agreements, claims, the drafting of conditions, M&A transactions, capital increases and restructuring, cyber-attacks, human resources, taxation, real estate and commercial matters.


On the regulatory front, the team boasts unparalleled experience in the Spanish legal sector when it comes to applications for authorisation from the Spanish Directorate-General of Insurance and Pension Funds, inspections and complex insurance distribution arrangements.


What's more, the ability to provide fully-loaded advice to the insurance sector also calls for experience in litigation. Our experts have been involved in advising insurers and reinsurers on some of the most salient proceedings in the sector, including complex international cases and covering all types of matters – such as D&O, civil liability, surety bonds, credit and industrial damages or risks.


Our 130-plus insurance lawyers in 44 countries across the globe enable us to guarantee the most beneficial outcome for clients in both domestic and cross-border matters. We adapt to our clients' commercial interests in order to protect them in local and international markets.
 

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FinTech
CMS' FinTech practice is home to one of Spain's most renowned teams given its participation in the development of the sector in the country from the v
Payment Services
The members of CMS' Payment Services team are able to draw on extensive experience advising the industry's key players for over 15 years. From large c

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31/01/2023
New European Reg­u­la­tion on the di­git­al op­er­a­tion­al re­si­li­ence of the fin­an­cial...
Ri­cardo Plasen­cia & Lucía Es­cauriaza­On 27 Decem­ber 2022, Reg­u­la­tion (EU) 2022/2554 of the European Par­lia­ment and of the Coun­cil of 14 Decem­ber 2022 on the di­git­al op­er­a­tion­al re­si­li­ence of the fin­an­cial...
23/12/2022
EIOPA re­leases an­nu­al re­port on sanc­tions un­der IDD in 2021
On 20 Decem­ber, the European In­sur­ance and Oc­cu­pa­tion­al Pen­sions Au­thor­ity (EIOPA) re­leased the an­nu­al re­port on sanc­tions im­posed by na­tion­al com­pet­ent au­thor­it­ies un­der the In­sur­ance Dis­tri­bu­tion Dir­ect­ive...
29/09/2022
Boom & Gloom? CMS European M&A Out­look 2023
We are pleased to share with you the 2023 edi­tion of the European M&A Out­look pub­lished by CMS in as­so­ci­ation with Mer­ger­mar­ket.
02/08/2022
Leg­al is­sues in the meta­verse / Part 4 - Ex­pec­ted im­pact of the EU Ar­ti­fi­cial...
Part 4 - Ex­pec­ted im­pact of the EU Ar­ti­fi­cial In­tel­li­gence Reg­u­la­tion, the meta­verse as a work­place In our first art­icle, we ex­amined the nature of the meta­verse, the shared vir­tu­al world. The emer­gence...
27/07/2022
Leg­al is­sues in the meta­verse / Part 3 - Data pro­tec­tion chal­lenges, the...
Part 3 - Data pro­tec­tion chal­lenges, the im­port­ance of cy­ber­se­cur­ity, ad­vert­ising reg­u­la­tion in the meta­verse In our first art­icle, we ex­amined the nature of the meta­verse, the shared vir­tu­al world...
19/07/2022
Leg­al is­sues in the meta­verse / Part 2 - Trade­marks and copy­right, NFTs...
Part 2 - Trade­marks and copy­right, NFTs and civil law prin­ciples in the meta­verse In our first art­icle, we ex­amined the nature of the meta­verse, the shared vir­tu­al world. In the meta­verse, trade in vir­tu­al...
08/07/2022
CJEU gives pre­ced­ence to Span­ish court judg­ment over Eng­lish Com­mer­cial...
On 20 June 2022, the Court of Justice of the European Uni­on (“CJEU”) de­livered a “pre­lim­in­ary rul­ing”[1] that an Eng­lish Com­mer­cial Court judg­ment[2] en­for­cing an ar­bit­ral award (the “Eng­lish...
13/06/2022
Spain: CN­MV cir­cu­lar con­cern­ing no­ti­fic­a­tion forms for sig­ni­fic­ant share­hold­ings
On 8 June 2022 the Span­ish Na­tion­al Se­cur­it­ies Mar­ket Com­mis­sion (“CN­MV”) pub­lished a Cir­cu­lar in the Of­fi­cial State Gaz­ette (“BOE”), ap­prov­ing the no­ti­fic­a­tion forms con­cern­ing sig­ni­fic­ant share­hold­ings...
01/06/2022
CMS Next
What’s next? In a world of ever-ac­cel­er­at­ing change, stay­ing ahead of the curve and know­ing what’s next for your busi­ness or sec­tor is es­sen­tial.At CMS, we see ourselves not only as your leg­al ad­visers but also as your busi­ness part­ners. We work to­geth­er with you to not only re­solve cur­rent is­sues but to an­ti­cip­ate fu­ture chal­lenges and in­nov­ate to meet them.With our latest pub­lic­a­tion, CMS Next, our ex­perts will reg­u­larly of­fer you in­sights in­to and fresh per­spect­ives on a range of is­sues that busi­nesses have to deal with – from ESG agen­das to re­struc­tur­ing after the pan­dem­ic or fa­cing the di­git­al trans­form­a­tion. We will also share with you more about the work that we are do­ing for our cli­ents, help­ing them in­nov­ate, grow and mit­ig­ate risk.To be able to provide you with the best sup­port, we im­merse ourselves in your world to un­der­stand your leg­al needs and chal­lenges. However, it is equally im­port­ant that you know who we are and how we can work with you. So, we in­vite you to meet our ex­perts and catch a glimpse of what is hap­pen­ing in­side CMS.En­joy read­ing this pub­lic­a­tion, which we will up­date reg­u­larly with new con­tent.CMS Ex­ec­ut­ive Team
26/05/2022
Schrems II: Re­ac­tions to the judge­ment and the su­per­vis­ory au­thor­it­ies'...
“Schrems II”: Opin­ions of the su­per­vis­ory au­thor­it­ies on Schrems II and re­com­mend­a­tions on the im­ple­ment­a­tion of the judge­ment in in­ter­na­tion­al data trans­fers On 16 Ju­ly 2020, the Court of Justice...
11/05/2022
SF­DR con­tin­ues to evolve: more gran­u­lar dis­clos­ures to be pro­posed on in­vest­ments’...
Fin­an­cial products with ex­pos­ures in fossil gas and nuc­le­ar en­ergy are likely to have more gran­u­lar re­port­ing re­quire­ments un­der the Sus­tain­able Fin­ance Dis­clos­ure Reg­u­la­tion (“SF­DR”). The European...
11/05/2022
SF­DR’s Prin­cip­al Ad­verse Im­pacts In­dic­at­ors on course to change
The European Com­mis­sion has giv­en the European Su­per­vis­ory Au­thor­it­ies (“ES­As”) a man­date to re­view the SF­DR Del­eg­ated Reg­u­la­tion in­dic­at­ors for prin­cip­al ad­verse im­pact and the fin­an­cial product...