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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.  Our Insurance team has a sound experience working on all kinds of insurance matters which means we understand the complexities of the Luxembourg 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.

With 100 specialist lawyers in 33 countries, many of which have worked in the insurance sector, we are attuned to your commercial interests and can protect them not only in Luxembourg but also across borders. Our approach is based on strong local legal knowledge delivered to you on a worldwide basis by experts who truly understand the insurance sector.

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, our Insurance team in collaboration with our litigation department can guide you through the disputes process, striving to secure the best business outcome.

"The team has detailed technical knowledge of insurance-related legal matters and regulatory requirements. It always endeavours to provide solutions that are tailor-made to our business and its size brings a welcomed personal touch."

Legal500, 2022

"This is a capable and efficient team with great knowledge of the local legal requirements in respect of drafting insurance policy conditions."

Legal500, 2022

"The team has detailed technical knowledge of regulatory requirements which they apply in a highly commercial way."

Legal500, 2021
31/01/2018
re­dir­ect-Ten things every in­surer should know
Cov­er­ing key jur­is­dic­tions, this land­mark pub­lic­a­tion com­pares and con­trasts es­sen­tial is­sues that (re) in­sur­ance com­pan­ies and in­sureds should con­sider to man­age claims, such as:Over­view and gov­ern­ing...

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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.
25/08/2022
CAA spe­cific­a­tions re­gard­ing the no­ti­fic­a­tion re­gime for out­sourcings of...
On 19 Au­gust 2022, the Com­mis­sari­at aux As­sur­ances (the “CAA”) pub­lished a new Cir­cu­lar-Let­ter 22/16 (the “CL”) on out­sourcing of sig­ni­fic­ant or crit­ic­al op­er­a­tion­al activ­it­ies or func­tions in...
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...
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...
04/04/2022
Lux­em­bourg law on in­act­ive ac­counts, in­act­ive safe-de­pos­it boxes and un­claimed...
On 1 April 2022, the new law of 30 March 2022 on in­act­ive ac­counts, in­act­ive safe-de­pos­it boxes and un­claimed life-in­sur­ance con­tracts (the “Law”) was pub­lished. The Law sets out three key meas­ures:...
14/03/2022
Lux­em­bour­g's CAA note fol­low­ing the Rus­sia/Ukraine crisis
On 10 March 2022, the Lux­em­bourg Com­mis­sari­at aux As­sur­ances (the “CAA”) pub­lished note 22/5 (the “Note”) provid­ing for meas­ures to be taken by all en­tit­ies su­per­vised by the CAA (the “En­tit­ies”)...
07/03/2022
CMS Lux­em­bourg 2022 pro­mo­tions
Fol­low­ing the pro­mo­tion of a new part­ner, CMS is pleased to an­nounce the pro­mo­tion of two sup­port­ing staff and 18 law­yers across all de­part­ments in­clud­ing Bank­ing & Fin­ance, Cor­por­ate/M&A, Dis­pute Res­ol­u­tion...