Insurance and Reinsurance

Insurance and Reinsurance Services

We offer specialized legal counsel to insurance and reinsurance companies, intermediaries, agents, and brokers, as well as to institutional and individual policyholders, ensuring that their operations are conducted within a sound and transparent legal framework aligned with regulatory standards. Our practice encompasses everything from the incorporation and authorization of insurance entities to the day-to-day operation of products and services, ensuring that each phase complies with the Law of Insurance and Bonding Institutions (LISF), the regulations of the National Insurance and Bonding Commission (CNSF), and the guidelines issued by the Ministry of Finance and Public Credit.

We advise on defining coverage, exclusions, indemnity clauses, risk retrocession, and reinsurance contracts in their facultative and proportional forms, as well as automatic contracts, optimizing protection structures and mitigating liabilities. We also provide support in developing general policy terms and conditions, registering products with the CNSF (National Insurance and Bonding Commission), and complying with user information requirements, in accordance with the transparency and financial consumer protection regulations issued by CONDUSEF (National Commission for the Protection and Defense of Financial Services Users).

We conduct legal audits and regulatory compliance reviews, both locally and internationally, including assessments related to Solvency II (when applicable to international groups), corporate governance guidelines, risk management, anti-money laundering and counter-terrorist financing (AML/CFT), and accounting standards applicable to technical reserves, minimum capital requirements, and solvency margins. These analyses ensure reliable, solvent, and secure operations within the insurance and reinsurance sector.

We represent clients in claims, contractual disputes, arbitration proceedings, and administrative appeals before regulatory and financial authorities. Our experience includes defending against claims disputes, policy interpretation, coinsurance and reinsurance disputes, compliance with contractual obligations, and challenging sanctions issued by the CNSF or resolutions issued by CONDUSEF regarding financial services users. We develop defense strategies that protect the solvency, reputation, and operational stability of insurers and reinsurers.

We advise on corporate transactions in the sector, including mergers and acquisitions of insurance companies, corporate restructurings, transfers of insurance or reinsurance portfolios, integration of cross-border operations, and strategic alliances with intermediaries or technology providers (InsurTech). We assess legal, contractual, regulatory, and competitive risks to ensure secure and viable strategic transactions.

We support the integration of compliance policies and best practices in corporate governance, incorporating international standards such as the IAIS (International Association of Insurance Supervisors) principles, commercial transparency standards, and cybersecurity protocols applicable to the protection of sensitive data, financial information, and operational continuity. This strengthens internal oversight, process integrity, and user confidence.

Our approach ensures sustainable strategic operations, comprehensive legal protection, and optimization of financial results for insurers, reinsurers, brokers, and institutional clients, enabling solid and responsible growth in a highly regulated and competitive sector.

Consulting for Mexican Insurance Companies

We represent local insurance companies, including subsidiaries of international insurers, in corporate, contractual, and regulatory matters. We provide support in obtaining authorizations, investment management, compliance with financial and solvency regulations, reporting to authorities, consumer protection, and the implementation of corporate practices and anti-corruption and anti-money laundering measures.

Consulting for Foreign Insurance Companies

We provide comprehensive support to international insurers in opening operations in Mexico, acquiring local companies, or structuring strategic alliances (joint ventures). Our services include legal due diligence, obtaining regulatory permits, preparing and negotiating contracts, and providing guidance on tax, labor, real estate, and securities matters. In this way, we offer complete legal coverage that facilitates the implementation of these operations and ensures compliance with applicable regulations at every stage.

Cross-border insurance

We advise on the structuring and execution of insurance transactions involving multiple jurisdictions, including evaluating the applicable regulatory framework, coordinating with foreign authorities and advisors, and designing schemes that allow for appropriate risk allocation. Our support ranges from reviewing global insurance policies and programs to implementing structures that comply with local and international requirements, ensuring efficient, secure operations that are fully aligned with the regulations of each country involved.

Insurance Product Development

We collaborate in the creation of insurance products and the implementation of direct marketing schemes, including programs with credit card companies and department stores. We advise on the drafting of reinsurance contracts, agent incentive plans, and agreements with hospitals for the provision of medical care under medical expense and accident insurance policies. Furthermore, we participate in the design, registration, and marketing of coverage for all types of risks, ensuring that the products are viable, comply with applicable regulations, and meet market needs.

Insurtech and New Technologies

We provide consulting services for the development and implementation of innovative technology projects applied to the insurance sector, including digital platforms, data-driven business models, and automated solutions for claims processing, management, and payment. We assist our clients in evaluating the applicable regulatory framework, obtaining necessary authorizations, and designing structures that integrate emerging technological tools, such as artificial intelligence, data analytics, and blockchain, ensuring their regulatory compliance and operational viability within the insurance ecosystem.

Claims and Coverage

We assist with claims management, detailed policy interpretation, and defining coverage scopes for various types of insurance. We support both insurers and policyholders in reviewing contractual terms, analyzing exclusions, and determining liability, as well as in preparing dispute resolution strategies. Our support aims to ensure clear, efficient processes aligned with applicable regulations, facilitating proper claims handling and resolution.

Litigation and Arbitration

We represent clients in litigation and arbitration proceedings, acting as counsel, arbitrators, or expert witnesses in Mexican and insurance law. Our team participates in all stages of the process, from the initial case assessment and development of defense strategies to conducting hearings, presenting evidence, and negotiating favorable resolutions. We have experience in complex disputes related to policy interpretation, compliance with contractual obligations, claims coverage, and regulatory disputes, offering robust, technical, and results-oriented support.

Corporate and Regulatory Consulting

We provide ongoing services to foreign reinsurers and their Mexican subsidiaries across a wide range of corporate, regulatory, and transactional matters related to the insurance industry. Our support includes the incorporation and operation of entities, compliance with regulatory obligations, updating of corporate structures, and review of internal policies. We also assist in the implementation of business strategies, the preparation and negotiation of contracts, and addressing regulatory requirements related to solvency, corporate governance, and market practices, ensuring that operations are conducted in accordance with applicable legal and compliance standards.

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