Insurance is a promise to pay later, and most disputes in the sector turn on what exactly was promised. We advise insurers, reinsurers, brokers and corporate policyholders on both sides of that promise. For insurers and intermediaries, we handle licensing, regulatory compliance, product approvals, and the drafting of policy wordings that say clearly what is and is not covered. We also advise on bancassurance and distribution agreements, reinsurance arrangements and the acquisition or restructuring of insurance businesses. For policyholders, we review cover before a loss and pursue claims after one. When claims are disputed, we act on coverage disagreements, subrogation and recovery actions, and the arbitration or litigation that may follow.