Insurance Advisory

Aligning Risk Transfer Strategies with Business Objectives

Effective Insurance Advisory goes beyond policy selection it is about aligning insurance coverage with enterprise risk management (ERM).
Our lawyers and insurance professionals advise on how risk transfer, self-insurance, and retention structures interact with corporate finance, compliance, and stakeholder expectations.

We work closely with boards, CFOs, and general counsel to assess coverage adequacy, identify gaps, and ensure that insurance supports operational continuity.
Our approach combines technical understanding of insurance market dynamics with legal insight into regulatory and contractual obligations.

By treating insurance as an integrated business tool, we help clients achieve both protection and performance.

Designing Efficient and Compliant Insurance Programs

Our Insurance Advisory team collaborates with brokers, underwriters, and risk managers to design programs that reflect each client’s specific risk profile.
We analyze coverage terms, exclusions, limits, and deductibles to ensure clarity and consistency across all lines—property, casualty, D&O, E&O, cyber, and specialty coverages.

We also assist clients in structuring multinational insurance programs that comply with local regulations while maintaining global alignment.
Our lawyers review fronting arrangements, reinsurance components, and cross-border policy issuance to ensure enforceability and tax efficiency.

Managing the Legal and Regulatory Landscape of Insurance Operations

Regulatory scrutiny in insurance markets has intensified globally.
Our Insurance Advisory practice helps companies comply with evolving frameworks governing solvency, capital adequacy, and market conduct.

We advise insurers, intermediaries, and corporate policyholders on compliance with state insurance departments, the National Association of Insurance Commissioners (NAIC), and international regimes such as Solvency II.
Our lawyers also assist financial institutions and fintechs navigating insurance-linked regulatory categories, including captive arrangements and embedded insurance models.

In addition, we develop governance frameworks that clarify roles and responsibilities for insurance oversight within corporate structures—helping boards and executives demonstrate accountability and transparency.

Developing Tailored Risk Solutions Beyond Traditional Markets

Captive insurance programs offer companies greater control over coverage, cost, and claims management.
Our Insurance Advisory lawyers counsel clients on forming, licensing, and managing captives across multiple jurisdictions, including the U.S., Bermuda, and the EU.

We evaluate feasibility studies, draft governance documents, and liaise with regulators to ensure compliance.
Our team also advises on protected cell companies, risk retention groups, and other alternative risk transfer (ART) mechanisms.

By integrating captives into broader ERM strategies, we help clients balance risk retention with financial optimization and regulatory requirements.

Mitigating Risk in Mergers, Acquisitions, and Investments

Insurance plays an increasingly central role in modern transactions.
Our Insurance Advisory lawyers advise on representations and warranties insurance (RWI), tax liability coverage, contingent risk insurance, and litigation buyout products.

We work with corporate deal teams to assess risk transfer options, negotiate coverage terms, and structure policies that support deal certainty.
Our team ensures that insurance aligns with purchase agreements, indemnification provisions, and disclosure obligations.

We also assist private equity sponsors and portfolio companies in post-acquisition integration of insurance programs, optimizing coverage consistency across global operations.

Guiding Clients Through Evolving Digital Risk Landscapes

As cyber threats and digital regulation evolve, Insurance Advisory has become critical to data-driven industries.
We advise clients on selecting and structuring cyber insurance policies that cover ransomware, data breaches, regulatory investigations, and reputational loss.

Our lawyers evaluate policy exclusions related to state-sponsored attacks, GDPR penalties, and business interruption.
We also coordinate with data privacy and incident response teams to ensure that insurance aligns with operational cybersecurity protocols.

Through our advisory work, clients gain a comprehensive risk transfer strategy that combines insurance coverage with compliance and resilience planning.

Integrating Environmental and Social Factors into Risk Programs

Environmental, Social, and Governance (ESG) considerations increasingly shape insurance underwriting and corporate disclosure.
We help clients design Insurance Advisory strategies that incorporate sustainability goals and climate risk assessment.

Our lawyers advise on insurance-linked securities (ILS), parametric coverage for climate events, and disclosure obligations under TCFD and SEC rules.
We also assist companies in obtaining coverage for carbon offset projects, renewable energy operations, and environmental remediation liabilities.

By aligning insurance programs with ESG objectives, clients can demonstrate accountability to investors and regulators while protecting long-term asset value.

Integrating Insurance into Organizational Resilience

Insurance is a critical pillar of business continuity.
We guide clients in developing insurance-backed crisis management plans that respond to natural disasters, cyber incidents, and political risk events.

Our Insurance Advisory team helps companies understand how coverage interacts with emergency response, supply chain resilience, and communications protocols.
We also coordinate with risk consultants to test recovery scenarios and update coverage limits accordingly.

Preventing Conflicts and Strengthening Partnerships

An essential component of Insurance Advisory is maintaining positive insurer relationships.
We advise clients on communication strategies, claim notifications, and contract renewals to avoid unnecessary disputes.

Our lawyers help negotiate midterm policy adjustments, clarify ambiguous wording, and resolve potential issues through cooperative engagement rather than litigation.
By fostering transparency and alignment with insurers, clients can preserve strong relationships and stable coverage terms even in challenging markets.

Coordinating Multinational Coverage and Regulatory Compliance

Global operations require coordinated Insurance Advisory across jurisdictions.
We help clients manage local policy issuance, admitted carrier requirements, and regulatory approvals.

Our lawyers design global master policies that harmonize coverage terms and claims procedures while respecting local compliance obligations.
We also advise on foreign tax considerations, currency controls, and fronting arrangements for multinational programs.

By aligning legal, operational, and financial elements, we ensure that international insurance programs function smoothly and consistently across regions.

Anticipating Change and Innovating in Risk Management

The insurance market continues to evolve with technology, regulation, and global risk dynamics.
We monitor trends in AI underwriting, digital policy platforms, and embedded insurance models that redefine how coverage is delivered.

Our Insurance Advisory lawyers evaluate how blockchain, smart contracts, and InsurTech solutions influence claims administration and compliance.
We also assess new policy structures—such as ESG-linked performance bonds and transaction-contingent insurance—to help clients leverage innovation responsibly and effectively.

Strategic Foresight. Legal Precision. Market Insight.

At SJKP LLP, our Insurance Advisory practice helps clients build resilience through intelligent, compliant, and customized insurance programs.
We combine legal, regulatory, and commercial insight to deliver solutions that protect against emerging risks while optimizing operational efficiency.
 

Whether structuring multinational insurance portfolios or advising on climate-related exposures, our goal is simple: to empower clients with the foresight, governance, and protection needed to thrive in a complex risk environment.