Insurance Lawyers – Global law firm Hogan Lovells

We can help you stay ahead of rapid changes in the insurance sector. Digitalization, the increased threat of cyberattacks, ever-changing regulation, and the wave of new market entrants all provide risks and opportunities alike. We take a proactive and holistic approach to industry challenges, drawing on our 30+ years in the sector.

Whether you are a life or non-life insurer, whether you are primary insurer, reinsurer, or intermediary, or a public limited company (PLC), mutual society or public insurer, we can help you, whatever the opportunity or challenge.

Covering a broad range of issues, we can help you reshape your business, stimulate growth and take advantage of consolidation in the insurance market through M&A opportunities. We can assist you with litigation and arbitration, regulatory investigations and sanctions issues. Our global team of more than 200 lawyers can support you throughout your business lifecycle, in good times and bad, and wherever you are located.

With the burden of compliance continuing to increase along with the speed of regulatory developments, we can provide you with world-class regulatory insight, shaped by our strong working relationships with government bodies across the world.

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Our capabilities at a glance

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We have advised 100+ insurance and reinsurance groups

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We have 200+ insurance sector lawyers around the world

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We have been at the forefront of the insurance sector for 30+ years.

Resources

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InCrowd

Insurance Essentials for Corporates | Watch our Insurance Essentials video series to find out more about some of the ways that insurance helps your business thrive

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Insurance Horizons 2025-2026

This publication provides our thoughts on some of the key trends that are impacting the insurance sector

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Solvency II Divergence Hub

This hub brings together our insights to help you keep track of the proposed changes to Solvency UK and Solvency II

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Hear from our clients and industry leaders

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I have peace of mind working with this team of experts. We have full confidence in Hogan Lovells.

Chambers Europe, Insurance

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The responsiveness and technical knowledge is second to none.

Legal 500 UK, Insurance: Corporate & Regulatory

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Hogan Lovells has a broad team who can handle intense work in insurance matters.

Chambers Global, Insurance

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There is always someone there with the right skill set.

Chambers Global, Insurance

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It is a multidisciplinary team with a strong knowledge of the financial and insurance sectors. The lawyers provide high-quality and pragmatic technical support.

Chambers France, Insurance

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The team has huge depth of experience in insurance and their support has been invaluable.

Chambers UK, Insurance: Non-contentious

Key contacts

Nicola Evans
Partner

Nicola Evans

Partner

London

Dr. Patrick Ayad, M.Jur. (Oxford)
Partner

Dr. Patrick Ayad, M.Jur. (Oxford)

Partner

Munich, Berlin

Phoebe A. Wilkinson
Partner

Phoebe A. Wilkinson

Partner

New York

Meet the Insurance team

Representative experience

Enstar Group on its acquisition by Sixth Street for $5.1 billion.
Defending a global bank in litigation relating to long-running allegations of insurance mis-selling, including defense of group proceedings and appeals to the UK Supreme Court.
BNP Paribas Cardif on setting up a strategic bancassurance partnership in life insurance sector
The Trustee of the Gallaher DB Pension Scheme on the legal aspects of its £1.7 billion pension insurance buy-in with Standard Life.
Energy producers and contractors around the world in large insurance claims arising from damage to turbines, refineries, battery plants and other power generation facilities.
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Awards and recognitions

Tier 1 – Insurance: Corporate & Regulatory

Legal 500 UK

2025

Band 2 – Insurance

Chambers Global

2025

Band 1 – Dispute Resolution

Chambers Global

2025

Winner – Corporate and Regulatory Insurance Firm of the Year

Legal 500 UK

2020

Band 2 – Insurance, Spain

Chambers Europe

Band 2 – Insurance, Germany

Chambers Europe

Winner – Best Law Firm in the Insurance Sector

Expansión Jurídico Awards

2024

Your questions answered

What are the key global regulatory trends that insurers and reinsurers are currently seeing?

Global regulators are emphasizing capital adequacy, ESG integration, and cross-border harmonization, notably through the Insurance Capital Standard (ICS). The EU’s Solvency II reforms focus on proportionality and sustainability, while the UK’s Solvency UK regime introduces more flexibility. Regulatory agility and transparency are now strategic imperatives amid rising climate and tech-related risks. Enhanced disclosure and risk management expectations are reshaping compliance strategies.

What impact is AI having on the insurance sector?

AI is having a transformative impact on the insurance sector, reshaping everything from underwriting and claims processing to customer engagement and product innovation.

What impact is climate change litigation having on the insurance sector?

Climate change litigation is increasing insurers’ exposure to liability and reputational risks, especially through subrogation claims targeting major emitters. Insurers are re-evaluating underwriting strategies, tightening policy wordings, and adjusting pricing models in response to heightened legal and regulatory scrutiny. At the same time, they are placing greater emphasis on monitoring their own investment portfolios and climate-related disclosures.

Can AI help insurers manage the climate crisis?

For the insurance sector, the impact of climate change is profound, and AI may offer solutions to some of the most pressing challenges for insurers. AI solutions for assessing and pricing risk will be critical to insurers offering products in areas where environmental events present significant risk. For example, AI can be leveraged to better assess the risk of (and even predict) the occurrence of floods or forest fires. Claims automation capabilities powered by AI can also assist insurers to manage large volumes of claims arising from adverse weather events. At a portfolio level, insurers can use AI to more effectively stress-test their exposure to climate risk and adapt their products and their business models accordingly. However, AI is extraordinarily energy intensive. A generative AI system is estimated to use around 33 times more energy than simple task-specific software and the consumption of electricity by data centers has dramatically increased in recent years. Insurance companies will need to find a way to balance the benefits of AI with their sustainability objectives to ensure that the adoption of this powerful technology does not come at the expense of climate commitments.

What are the current trends in the reinsurance market, including capacity and pricing?

Pricing has stabilized due to increased capacity and softening rates. Property reinsurance pricing has steadied due to lower catastrophe losses in key areas, while casualty lines face increased pressure from inflation, although on average, market conditions have been more favorable to buyers with greater availability of cover, more flexible terms, and competitive pricing. However, due to systemic threats such as climate and infrastructure risk, geopolitical uncertainty and inflation, any major event can change this position.

What are the implications of the new Solvency II (EU) and Solvency UK regime for global insurers?

Solvency II reforms in the EU are encouraging long-term investments and easing capital charges for certain asset classes, such as infrastructure and private equity. Solvency UK introduces reforms like expanded Matching Adjustment eligibility and greater flexibility in internal models, aiming to boost competitiveness post-Brexit. Both regimes support ESG integration and capital efficiency. You can find out more on our Solvency II Divergence Hub.

What are the emerging cyber threats facing insurers and policyholders?

The cyber threat landscape is in a state of constant evolution, with new vulnerabilities and attack vectors constantly appearing. In recent years, we've seen a marked increase in both the frequency and sophistication of cyber incidents, making it clear that the stakes are higher than ever. Compounding this issue is the rise of ransomware, AI-driven attacks and the complex interplay between geopolitics and cyber risk, which together add layers of difficulty to an already challenging environment. These complex cyber-attacks have targeted a range of industries including insurers, retailers and more. Regulatory scrutiny is increasing, pushing firms to enhance cyber resilience and transparency.

What are the key trends in the UK pensions de-risking market?

The UK pensions de-risking market remains highly active, with bulk annuity volumes expected to match or exceed 2024’s £50 billion. Improved funding levels and surplus positions are enabling more schemes to pursue buy-ins, buyouts, and longevity swaps. New market entrants are increasing competition, while the focus is shifting to efficient transitions from buy-in to buyout. Governance and regulatory compliance are also gaining prominence.

What is embedded insurance?

Embedded insurance doesn’t have a single meaning but broadly refers to the integration of insurance products directly into the sale of the distributor’s ‘core’ non-insurance goods and services. This can be achieved through a separate and distinct ‘add-on’ insurance sales process by the distributor of the core good or service (i.e., sold separately but at the same time as the core good or service) or by way of fuller integration of the insurance into the core good and service itself.

What is political risk insurance?

Political risk insurance is a specialized form of first-party insurance designed to protect investors from loss to their investments due to government conduct. The most common types of cover include: (i) confiscation, expropriation or nationalization; (ii) forced abandonment (typically after a waiting period); (iii) deprivation (i.e. loss of use and possession of assets, which also typically applies after a waiting period); (iv) currency inconvertibility; and (v) political violence.

Why would a company use captive insurance?

Captive insurance is a subject which has attracted quite a lot of attention recently. Interest in this area is increasing for a few reasons, including as a consequence of: rising rates for reinsurance coverage; a limited supply of insurance coverage in some areas; and possible upcoming regulatory interventions including the proposal for a new regulatory regime in the UK. A captive insurance company is an insurance company established by another (usually non-insurance) company (or group of companies) to provide insurance coverage exclusively for the risks of its shareholder and/or of the affiliated companies of its shareholder. Captive insurance companies are mainly used to: optimize insurance cover; reduce costs for insurance coverage; have tax deductible insurance premiums (as opposed to non-deductible contributions to the capital reserves) at the insured company; get access to the reinsurance market; get better rates in the reinsurance market; deal with restrictions such as sanctions; or find insurance cover for 'hard-to-place risks', such as cyber risks, elementary risks, or risks which are excluded in the existing insurance coverage.

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